How UAE residents can now buy Islamic government bonds from Dh4,000
Nov 4, 2025
UAE government opens Islamic, Sharia-compliant bonds to all — a new way to invest safely
The UAE has just opened a major new investment channel for individuals. For the first time, citizens and residents can now buy government-backed Islamic Treasury Sukuk, known as Retail Sukuk — a safe, Shariah-compliant savings and investment option starting from Dh4,000.
What is UAE's retail sukuk?
Launched by the UAE Ministry of Finance, the Retail Sukuk programme lets individuals invest directly in federal government sukuk through digital, fractional platforms operated by UAE banks.
Until now, these Treasury Sukuk were available only to institutions.
Now, retail investors can join, making government sukuk part of their personal savings and investment plans.
- Minimum investment: Dh4,000
- Shariah-compliant: fully aligned with Islamic finance principles
- Dirham-denominated: no foreign exchange risk
- Backed by the UAE government: low-risk profile
- Digital access: invest easily through licensed UAE banks