The UAE Ministry of Finance has launched ‘Retail Sukuk’, a new initiative that allows citizens and residents to invest in Shariah-compliant, government-backed Treasury Sukuk through digital investment platforms operated by participating banks.
The move marks a major step toward expanding access to secure, high-quality financial instruments that were previously available only to institutional investors. With a minimum investment of AED 4,000, the Retail Sukuk aims to promote financial inclusion and strengthen individual participation in the nation’s economic growth.
H.H. Sheikh Maktoum bin Mohammed bin Rashid Al Maktoum, First Deputy Ruler of Dubai and Minister of Finance, said the initiative reflects the UAE’s commitment to empowering the community and enhancing participation in the country’s development journey. He noted that it supports the objectives of the ‘Year of Community’ by opening new opportunities for citizens and residents to invest in sustainable, government-backed assets.
Mohamed bin Hadi Al Hussaini, Minister of State for Financial Affairs, described Retail Sukuk as a “qualitative leap” in developing government investment instruments. He said it promotes responsible saving habits, strengthens financial awareness, and supports cooperation between the public and private sectors in fostering a balanced and sustainable economy.
The Ministry confirmed that Retail Sukuk will be available through participating banks, with the first bank to be announced on November 3, 2025. Denominated in UAE Dirhams, the Sukuk are linked to sovereign-backed T-Sukuk already traded in the market, offering retail investors a safe and accessible avenue for savings and portfolio diversification.
News Source: Emirates News Agency
