The UAE Ministry of Finance has announced the launch of a new initiative called “Retail Sukuk”, designed to give individual investors access to Shariah-compliant, government-backed Treasury Sukuk (T-Sukuk). The bonds will be available through digital platforms operated by local banks, making investment in Islamic financial instruments more inclusive and accessible.
Previously, T-Sukuk were available only to institutional investors such as banks and large financial entities. Under the new framework, individuals can now invest in fractional amounts starting from AED 4,000, opening new opportunities for citizens and residents to participate in secure, government-backed investments.
The introduction of Retail Sukuk supports the UAE’s financial inclusion and economic empowerment goals. It also aligns with the “Year of Community” initiative, which aims to promote savings, sustainable investment, and greater participation in the country’s economic development.
According to the Ministry of Finance, the Retail Sukuk will be offered through selected participating banks, with the first bank to be announced on November 3, 2025. The Sukuk will be denominated in UAE Dirhams and will provide a reliable and stable investment option for individuals seeking to diversify their savings portfolios with Islamic-compliant financial products.
His Highness Sheikh Maktoum bin Mohammed bin Rashid Al Maktoum, First Deputy Ruler of Dubai, Deputy Prime Minister, and Minister of Finance, emphasized that the initiative aims to transform investment in government bonds into a fully digital and inclusive experience. “The Ministry of Finance seeks to make high-quality financial instruments, which were once limited to institutional investors, available to all segments of society,” His Highness said.
The Retail Sukuk initiative marks a major step forward in the UAE’s efforts to strengthen its domestic capital markets, enhance financial literacy, and expand access to sustainable Islamic investment opportunities. By bridging the gap between institutional and individual investors, the government continues to position the UAE as a leader in innovation and inclusivity within the global Islamic finance sector.