UAE expands access to government bonds with 'Retail Sukuk' initiative

The UAE Ministry of Finance has launched an initiative called 'Retail Sukuk', allowing individual investors to access Shariah-compliant, government-backed Treasury Sukuk (T-Sukuk) through digital platforms operated by local banks.

Previously available only to institutional investors, the T-Sukuk can now be purchased in fractional amounts starting from AED 4,000, opening the door for citizens and residents to invest securely in government-backed Islamic financial instruments.

The move supports the UAE’s financial inclusion goals and aligns with the 'Year of Community', promoting economic empowerment, savings and sustainable investment opportunities.

Investments will be available through participating banks, with the first bank to be announced on November 3, 2025.

Retail Sukuk are denominated in UAE Dirhams and offer a secure way for individuals to diversify their savings while investing in high-quality, Islamic financial assets.

"The Ministry of Finance seeks to transform investment in government bonds into an accessible, comprehensive digital experience, enabling all segments of society to access high-quality financial instruments that were previously limited to institutional investors," said His Highness Sheikh Maktoum bin Mohammed bin Rashid Al Maktoum, First Deputy Ruler of Dubai and the UAE's Deputy Prime Minister and Finance Minister.

The Ministry of Finance announces the launch of ‘Retail Sukuk’, a new initiative that enables individual investors to invest in Shariah-compliant, government-backed Treasury Sukuk (T-Sukuk) through fractionalised digital investment platforms operated by participating banks in the… pic.twitter.com/5WTOggI0h3

— Dubai Media Office (@DXBMediaOffice) October 24, 2025