UAE Ministry of Finance Opens Second Retail T-Sukuk With 5.06% Profit Rate

Subscriptions are open from September 23 to 28, 2026, to UAE nationals and residents, with a minimum investment of AED1,000.

By Entrepreneur Middle East Staff | Sep 23, 2026

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The UAE Ministry of Finance has opened subscriptions for the second issuance under its Sovereign Retail T-Sukuk Programme, targeting AED50 million and offering a five-year tenor with an annual profit rate of 5.06%.

Subscriptions are open from September 23 to 28, 2026, to UAE nationals and residents, with a minimum investment of AED1,000. The Shariah-compliant sovereign investment instrument is backed by the UAE Government, with profit distributions to be paid semi-annually.

Following allocation, issuance and settlement, the T-Sukuk is scheduled to list and begin trading on Nasdaq Dubai on October 1, 2026. The allocation is scheduled for September 29, followed by issuance and refunds of excess subscription funds on September 30.

The offering follows the inaugural retail T-Sukuk issuance and forms part of the Ministry of Finance’s efforts to broaden individual participation in UAE government investment instruments and develop domestic AED-denominated capital markets.

H.E. Mohamed bin Hadi Al Hussaini, Minister of State for Financial Affairs, said the second issuance builds on investor demand generated by the first offering and provides retail investors with digital channels to access government securities.

Investors can subscribe through the Dubai Financial Market (DFM) eIPO platform, iVestor app, DFM app and digital channels provided by participating banks. Investors who do not already have an Investor Number (NIN) will need to obtain one before submitting their subscription.

Emirates NBD will serve as the lead receiving bank, while Emirates Islamic, Abu Dhabi Islamic Bank, Ajman Bank, Mashreq, Abu Dhabi Commercial Bank and First Abu Dhabi Bank will serve as participating receiving banks.

The issuance is being delivered in collaboration with the Central Bank of the UAE, Nasdaq Dubai, DFM and participating banks. Nasdaq Dubai will act as the central securities depository, settlement and listing platform.

The Sovereign Retail T-Sukuk Programme is intended to expand the UAE’s domestic investor base and provide individuals with access to AED-denominated government investment instruments through digital subscription and secondary-market trading.