NEWS: UAE Ministry of Finance Launches “Retail Sukuk” Initiative — Opening Islamic Investments to All Residents

 


UAE Ministry of Finance Launches “Retail Sukuk” Initiative  Opening Islamic Investments to All Residents

The UAE Ministry of Finance has launched the Retail Sukuk (T-Sukuk) initiative, marking a milestone in the country’s journey toward financial inclusion and sustainable investment. This program enables both citizens and residents to directly invest in Shariah-compliant government bonds, previously accessible only to institutional and high-net-worth investors. With a starting point as low as AED 4,000, it opens the door for everyday investors to participate in the nation’s growth through secure, government-backed instruments.

The initiative reflects the UAE’s broader economic vision to diversify savings channels, deepen domestic capital markets, and promote ethical, asset-based financing in line with Islamic principles. Retail Sukuk offer investors stable, predictable returns derived from tangible assets rather than interest, aligning financial growth with moral values. The bonds can be purchased through participating banks and digital platforms, reinforcing the UAE’s commitment to digital transformation and accessible financial participation.

Beyond empowering individuals, this development strengthens the country’s fiscal ecosystem by channeling local liquidity into productive, government-linked projects. It supports national objectives under “We the UAE 2031”, which seeks to enhance investor confidence, encourage responsible savings, and attract a new generation of financially active residents. For corporate service providers, wealth managers, and advisors, the Retail Sukuk framework presents an opportunity to integrate Islamic debt instruments into diversified investment portfolios — further solidifying the UAE’s standing as a global hub for ethical and inclusive finance.

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