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Start investing from AED 4,000
The Ministry of Finance (MoF) has introduced the Retail Sukuk Initiative, allowing UAE citizens and residents to invest directly in Shariah-compliant, Treasury Sukuk (T-Sukuk).This marks a significant step in expanding inclusive access to sovereign investment instruments, offering individuals the opportunity to invest in the same secure, high-quality Sukuk that were previously limited to institutional investors.
The initiative reflects the UAE’s commitment to financial inclusion, innovation, and long-term savings, in line with its vision to deepen domestic capital markets and strengthen the Islamic finance ecosystem.
Broaden access to sovereign investment opportunities for citizens and residents.
Encourage financial literacy and long-term savings among individuals.
Support the development of the domestic capital market and the AED yield curve.
Promote inclusive participation in government-backed Islamic financial instruments.
Strengthen the UAE’s position as a global hub for Islamic finance and innovation.
AED 4,000 per fractional unit.
Less than 1 year up to 5 years (depending on the specific Sukuk tranche available).
Semi-annual, on a pro-rata basis according to ownership and time held.
Note: Applicable taxes (e.g., VAT) may apply to transaction fees as per UAE law.
The participating banks’ digital platforms provide investors with:
Real-time accessto holdings, accrued profits, and maturity schedules.
Transparent pricing linked directly to secondary market rates.
Two-sided quotes (buy and sell) at all times to ensure liquidity and fair pricing.
The UAE does not impose personal income tax; therefore, investors are not subject to any tax on profits or principal.
However, applicable taxes prescribed under UAE law (such as VAT) will apply to transactions or custody fees charged by participating banks.
Investors should refer to the participating banks’ digital platforms for detailed terms, risk disclosures, and account requirements. The T-Sukuk offered through these platforms are non-transferable to other institutions and are subject to market conditions.
The Retail Sukuk Initiative is being implemented in collaboration with local participating banks.
Note: All fields marked with an asterisk (*) are mandatory.
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