The UAE Ministry of Finance has announced the launch of the first Government Treasury Sukuk program for individuals, through a subscription mechanism similar to initial public offerings used by the Dubai Financial Market and Nasdaq Dubai. The initiative aims to widen participation in government investment instruments and give individuals and families access to government-backed financial products.

The new program represents an important step in the UAE’s ongoing efforts to develop its financial system, strengthen financial inclusion, and promote a culture of saving and long-term investment. It also supports the country’s broader direction toward building a more diversified, flexible, and sustainable economy.

The program targets individuals across the UAE by offering a government investment instrument aligned with Islamic finance principles, with a minimum subscription amount of AED 1,000. This makes it accessible to a broad segment of investors seeking to enter this type of investment in a clear and regulated way.

Supporting Wider Public Participation in Investment

The launch of Government Treasury Sukuk for individuals is a strategic step that reflects the UAE’s commitment to expanding public participation in government financial instruments, rather than limiting such products to institutions or specific categories of investors.

The program enhances individuals’ ability to access investment opportunities that are well regulated and transparent. It also supports the government’s efforts to raise financial awareness and encourage long-term planning among individuals and families.

This direction is also in line with the UAE’s Year of the Family 2026 initiative, by offering tools that help families manage their savings more sustainably and build more stable financial plans for the future.

A More Supportive and Diverse Financial Environment

According to the Ministry of Finance, the program forms part of the country’s efforts to develop the financial sector and broaden the investor base in government instruments, contributing to a more diverse and sustainable economy.

The launch also reflects the UAE’s focus on creating a supportive environment that enables individuals to strengthen their financial capabilities and improve their awareness of responsible investment and long-term financial planning.

In addition, the program reinforces the UAE’s position as a leading global financial hub by introducing innovative and varied investment products that meet the needs of different investor segments and align with best practices in financial markets.

Potential Returns Within a Regulated Framework

Since the Sukuk are backed by the government, they are expected to appeal to individual investors looking for clear investment options away from the higher volatility seen in some markets.

Investors will also be able to trade the Sukuk on Nasdaq Dubai after listing, giving them greater flexibility in managing their investments, whether by holding them or trading them according to their financial needs and market conditions.

Full Details of the First Issuance to Be Announced Next Week

The full details of the first issuance under the program are expected to be announced next week, including the profit rate, Sukuk tenor, and subscription period.

These details will be important for investors interested in participating, as they will help them assess the investment opportunity and understand the main terms before making a subscription decision.

The first issuance is expected to attract interest from individuals looking to diversify their savings through a regulated government instrument, especially with the minimum subscription set at only AED 1,000.

Banks Taking Part in the Subscription Process

The program has been launched in cooperation with the Dubai Financial Market, Nasdaq Dubai, and a number of receiving banks, with the aim of making the subscription process simple and accessible for investors.

Emirates NBD has been appointed as the lead receiving bank, while Emirates Islamic Bank, Abu Dhabi Islamic Bank, Ajman Bank, and Mashreq Bank will also receive subscription applications.

Investors will be able to subscribe through the digital platforms of the participating partners, in addition to dedicated subscription channels. This is expected to make access to the program easier and provide individuals with a smoother experience when submitting their applications.

Sukuk to Be Listed on Nasdaq Dubai

Nasdaq Dubai will act as the central securities depository and provide the settlement platform for the program, supporting the efficiency of the procedures related to issuance, listing, and trading.

The Sukuk are scheduled to be listed on Nasdaq Dubai and made available for trading after the completion of the offering process. This will support wider participation by individual investors in local capital markets.

The listing will also give individuals the ability to trade the Sukuk within a regulated financial market, offering greater flexibility in managing their investments after the subscription and allocation stages.