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UAE Launches Retail Sukuk to Open Sovereign Islamic Bonds to Individual Investors

The move targets broader financial inclusion through low-minimum, dirham-denominated sukuk offered via bank digital platforms.

Overview

  • Citizens and residents can subscribe to government-backed T‑Sukuk on fractionalised platforms run by participating banks.
  • The minimum investment is AED 4,000, expanding financial inclusion through retail access to Shariah‑compliant sovereign assets.
  • The retail offering is linked to existing dirham-denominated federal T‑Sukuk already traded in the market.
  • The first participating bank will be announced on November 3, 2025, with subscriptions to proceed through banks thereafter.
  • Institutional appetite has been strong, with a July issuance raising Dh1.1 billion on orders of about Dh5.35 billion.