UAE Launches First Retail T-Sukuk Subscription: Minimum Investment 1,000 Dirhams
The United Arab Emirates (UAE) has launched its first T-Sukuk retail subscription program to expand individual investors’ access to government-backed investment instruments. Announced by the Ministry of Finance, the program was implemented in close cooperation with the Central Bank of the UAE. The program offers UAE citizens and resident investors direct access to a sovereign investment instrument fully backed by the government and compliant with Islamic Sharia principles.
Minimum Investment for T-Sukuk: 1,000 Dirhams
The first issuance will have a total size of 50 million dirhams. The subscription process will be carried out through approved digital channels between June 24-30, 2026. Investors will be able to participate in the program with a minimum of 1,000 dirhams. The first T-Sukuk issuance will have a two-year maturity and will offer an annual profit rate of 4.30%. Profit payments will be made every six months throughout the term of the investment instrument.
Fully Digital Subscription Process
The Ministry of Finance announced that the program was designed on a fully digital T-Sukuk subscription model to facilitate access for individual investors. Approved channels include Dubai Financial Market’s subscription platform, the DFM app, the iVestor app and the digital banking platforms of Emirates NBD, which has been appointed as the lead receiving bank. Emirates Islamic Bank, Abu Dhabi Islamic Bank, Ajman Bank and Mashreq Bank are also among the receiving banks participating in the program.
To Be Traded on Nasdaq Dubai
The issuance process is expected to be completed on July 1, 2026, while the T-Sukuk are expected to begin trading on Nasdaq Dubai as of July 2, 2026. Excess subscription amounts are planned to be refunded by July 7, 2026, at the latest. After allocation, investors will be able to hold their sukuk until maturity or sell them in the secondary market through licensed members on Nasdaq Dubai.
The UAE’s Sovereign Investment Ecosystem Is Strengthening
Minister of State for Financial Affairs Mohamed bin Hadi Al Hussaini described the opening of subscriptions as an important milestone that strengthens the readiness of the UAE’s sovereign investment ecosystem. Al Hussaini stated that the program offers structured digital channels that enable individual investors to access government investment products efficiently and transparently through approved platforms.
The program is considered part of the UAE’s strategy to deepen capital markets, increase individual investor participation and offer accessible, innovative and Sharia-compliant investment products to wider segments of society.