{"id":"525","slug":"uae-retail-t-sukuk-five-year-issuance","url":"https://devodubai.com/article/2026-09-17/uae-retail-t-sukuk-five-year-issuance","json_url":"https://devodubai.com/api/article/uae-retail-t-sukuk-five-year-issuance.json","title":"UAE launches five-year retail T-Sukuk from Dh1,000","headline":"UAE launches five-year retail T-Sukuk from Dh1,000","excerpt":"The UAE Ministry of Finance has opened subscriptions for a new five-year retail sovereign T-Sukuk, allowing residents and citizens to invest from Dh1,000.","body":"UAE residents and citizens can now invest in a new five-year sovereign Islamic bond starting from 1,000 dirhams, according to an announcement from the Ministry of Finance reported by Gulf News.\n\nThe offering represents the second issuance under the federal Sovereign Retail T-Sukuk Programme. It allows individual buyers direct access to Shariah-compliant debt instruments fully backed by the UAE government without requiring the large sums typical of institutional debt markets.\n\nThe Ministry of Finance confirmed that it will announce the profit rate for this new five-year issuance on 22 September. Official statements linked the initiative to the goals of the Year of Family 2026, aiming to build household savings and long-term financial resilience across the country.\n\n## How to Subscribe\n\nRetail investors can subscribe to the offering through the digital channels of several local lenders. Emirates NBD is serving as the lead receiving bank for the issuance.\n\nOther participating receiving banks include Emirates Islamic, Abu Dhabi Islamic Bank, Ajman Bank, Mashreq, Abu Dhabi Commercial Bank, and First Abu Dhabi Bank. Subscriptions can also be completed through the Dubai Financial Market eIPO platform, the DFM app, and the iVestor app.\n\nOnce allocation and settlement are complete, the sukuk will be listed on Nasdaq Dubai for secondary market trading. This secondary listing provides investors with an official venue to buy or sell their holdings before the five-year maturity date.\n\n## Strong Demand in First Round\n\nThe five-year sale follows significant public interest during the program's debut earlier this year. That inaugural retail T-Sukuk attracted Dh445 million in subscription orders against an initial target of Dh50 million, prompting the Ministry to double the final issuance size to Dh100 million.\n\nData from the first sale showed that small individual balances drove most of the volume. About 76% of total demand came from subscriptions of Dh10,000 or less. UAE nationals represented 72% of the investor base, while women and individuals under 25 together made up 45% of total subscribers.\n\nThat initial offering carried a two-year tenor and an annual profit rate of 4.30%, with profits distributed every six months. Those notes completed allocation and began trading on Nasdaq Dubai on 2 July 2026.","category":"money","category_url":"https://devodubai.com/category/money","author":"Editorial Team","author_url":"https://devodubai.com/editor/editorial-team","published_at":"2026-09-17T08:04:28","updated_at":null,"reading_time_minutes":2,"cover_image":"https://cms.devo.co/assets/29cecff2-25fe-4192-b814-e942570dcaeb","source_count":1,"sources":[{"title":"UAE residents can invest from Dh1,000 in new five-year government T-Sukuk","source":"Gulf News","link":"https://gulfnews.com/business/banking/uae-residents-can-invest-from-dh1000-in-new-five-year-government-t-sukuk-1.500677762","domain":"gulfnews.com"}],"citation":{"text":"Devo Dubai. \"UAE launches five-year retail T-Sukuk from Dh1,000\". Published 17 September 2026. https://devodubai.com/article/2026-09-17/uae-retail-t-sukuk-five-year-issuance","canonical_url":"https://devodubai.com/article/2026-09-17/uae-retail-t-sukuk-five-year-issuance","json_url":"https://devodubai.com/api/article/uae-retail-t-sukuk-five-year-issuance.json","usage_info":"We encourage citation of this page, including by AI assistants and research tools — quote or summarize it freely, and we appreciate a link back to the canonical URL so readers can trace the source. Republishing it in full requires permission."},"seo":{"title":"UAE launches five-year retail T-Sukuk from Dh1,000","description":"UAE residents can invest from Dh1,000 in a new five-year sovereign retail T-Sukuk, with the official profit rate scheduled for announcement on 22 September."}}