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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.
The UAE does not levy personal income tax, and investors are exempt from taxes on both profits and the principal amount of their investment. However, certain charges, such as value-added tax (VAT) on bank fees or related transactions, may apply in accordance with UAE regulations.
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.
Promote innovation within the UAE’s financial sector.
AED 4,000 per fractional unit.
Note: Applicable taxes (e.g., VAT) may apply to transaction fees as per UAE law.
From a minimum of 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.
Buy Transaction Fee: 0.25% of the purchase transaction value
Sell Transaction Fee: 0.25% of the sale transaction value
Custody/Running Fee: 0.30% annually of the portfolio value
Investors can refer to the participating banks’ digital platforms to review detailed terms, risk disclosures, and account opening requirements. Investments made through these platforms are non-transferable to other institutions and are subject to market conditions.
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.
Ministry of Finance announces “Retail Sukuk” Initiative enabling citizens and residents to invest in Islamic T-Sukuk, in collaboration with participating banks across the UAE
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