Abu Dhabi, UAE: The Ministry of Finance has announced the launch of the UAE’s first Sovereign Retail T-Sukuk Programme, introducing a Sharia-compliant investment instrument tailored for individual investors.The initiative, described as a first-of-its-kind in the UAE, allows individuals and families to participate directly in government-backed investment opportunities through an IPO-style subscription framework similar to the Dubai Financial Market (DFM) and Nasdaq Dubai.Promoting financial inclusionThe programme aims to broaden access to government investment instruments, encourage long-term saving habits, and enhance financial awareness across the community. It aligns with the UAE’s “Year of Family 2026” initiative, which focuses on building a financially resilient and future-ready society.Mohamed bin Hadi Al Hussaini, Minister of State for Financial Affairs, said the launch represents a strategic step to strengthen the UAE’s financial ecosystem and expand community participation.“This initiative reflects our commitment to fostering financial inclusion and empowering individuals and families to contribute to the nation’s economic development,” he said.Accessible investment opportunityThe T-Sukuk programme offers a minimum subscription amount of AED1,000, making it accessible to a broad segment of the population. It provides potential risk-free returns within a transparent and regulated investment framework.Following issuance, the sukuk will be listed on Nasdaq Dubai, allowing investors to trade them in a regulated market and benefit from enhanced liquidity.Full details of the first issuance, including profit rates and subscription timelines, are expected to be announced soon.Collaborative frameworkThe programme is being launched in collaboration with key financial institutions, including Dubai Financial Market, Nasdaq Dubai, and several banks.Emirates NBD has been appointed as the Lead Receiving Bank, while Emirates Islamic Bank, Abu Dhabi Islamic Bank, Ajman Bank and Mashreq Bank will serve as receiving banks, enabling seamless subscription through digital platforms.Nasdaq Dubai will also act as the central securities depository and settlement platform.Strengthening capital marketsOfficials said the programme will support the development of local capital markets by providing individuals with access to diversified investment options backed by the government.It also reinforces the UAE’s position as a global financial hub offering innovative and diversified products.Supporting long-term growthThe Ministry of Finance emphasised that the initiative forms part of broader efforts to expand investment opportunities, promote a culture of saving, and integrate government financing tools with local markets.By enabling individuals to invest in sovereign instruments, the programme is expected to strengthen participation in the financial system and support sustainable economic development.
