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.
The 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.
The 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.
How to Subscribe
Retail 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.
Other 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.
Once 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.
Strong Demand in First Round
The 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.
Data 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.
That 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.