The UAE Ministry of Finance introduces “Retail Sukuk,” offering Shariah-compliant, government-backed bonds to individual investors through digital platforms.
Major Good News for Retail Investors, the UAE Ministry of Finance has launched the “Retail Sukuk” program under which citizens and residents can invest now in government-backed Islamic Treasury Sukuk with an investment as low as AED 4,000.
What Is Retail Sukuk?
Retail Sukuk are Shariah-compliant government bonds issued by the UAE government, which allow investors to receive returns in the form of profit-sharing or lease-based contracts rather than interest. The bonds are denominated in UAE dirhams. The program is designed to promote wider public participation in the country’s financial markets and instill a culture of investment and saving.
Principal Features of Retail Sukuk:
Minimum Investment: AED 4,000
Shariah-Compliant: Compliant with Islamic finance principles
Dirham-Denominated: No foreign exchange risk
Government-Backed: Low-risk profile
Digital Access: Invest with ease via licensed UAE banks
Advantages to UAE Residents:
Safe Investment: Retail Sukuk are backed by the government, making them one of the safest forms of investments for residents.
Shariah-Compliant Returns: Ideal for investors seeking Islamic investments, as returns are arranged on profit-sharing or rent-based terms.
Affordable Entry Price: AED 4,000 is affordable for middle-income residents and young professionals who must start saving and investing.
Easy Digital Access: Invest through UAE banks’ digital platforms—without the hassle-ridden brokerage accounts or large upfront capital outlays.
Looking Ahead:
The name of the participating first bank will be announced by the UAE Ministry of Finance on November 3, 2025. The initiative is revolutionary in UAE investment history, with accessibility, digital ease, and government-level security—three dimensions that will draw conservative savers and novice investors.
