Everyday savers in the UAE can now lock in a government-backed return of 5.06% a year for five years, with a minimum ticket of just AED 1,000. That is the headline from the Ministry of Finance’s second Sovereign Retail T-Sukuk, whose allocation falls on 29 September 2026. Understanding the UAE retail T-Sukuk in full requires looking at these details closely.
This article summarises the UAE retail T-Sukuk event using the figures published by the Ministry of Finance and reported by regional media, and places it in the context of Dubai’s push to broaden access to domestic capital markets. The directory context comes from gf6.com’s own four-year curated database of bank and ATM locations worldwide, via gf6.com.
The finding — what the data shows — UAE retail T-Sukuk
The UAE Ministry of Finance ran subscriptions for its second Sovereign Retail T-Sukuk from 23–28 September 2026, with allocation scheduled for 29 September 2026. The five-year, AED 50 million (≈$13.6 million) issuance offers a 5.06% annual profit rate, payable semi-annually, with a minimum subscription of AED 1,000. These figures put the UAE retail T-Sukuk into clearer perspective.
The instrument is Shariah-compliant and fully backed by the UAE government, available to nationals and residents through digital channels including DFM’s eIPO platform, iVestor, Emirates NBD and six other approved receiving banks. Following allocation and settlement, the T-Sukuk is scheduled to list and commence secondary-market trading on Nasdaq Dubai on 1 October 2026. This context matters for anyone following the UAE retail T-Sukuk.
The event was reported by multiple regional outlets, including Emirates 24|7, Zawya and Entrepreneur Middle East.
What it means
A sovereign issuance with a minimum ticket of AED 1,000 is a deliberate signal. It brings a government-backed, Shariah-compliant fixed-income product within reach of retail savers, not just institutional desks — which is unusual for a sovereign sukuk in the region. It is a central thread in the wider UAE retail T-Sukuk.
The 5.06% annual profit rate, paid semi-annually, is the coupon the Ministry is willing to pay to attract that retail base for five years. Listing on Nasdaq Dubai on 1 October 2026 adds secondary-market liquidity, meaning holders should be able to exit before maturity through the exchange rather than being locked in for the full term. Such details shaped how the UAE retail T-Sukuk unfolded.
The distribution set-up is the other notable feature. Using DFM’s eIPO platform, the iVestor app and Emirates NBD alongside six other approved receiving banks is widely seen as an attempt to normalise digital subscription flows for sovereign paper — a step that potentially deepens the domestic AED-denominated capital market over time.
For banks in Dubai, the programme adds a recurring, government-sponsored product to the retail shelf, sitting alongside deposits, funds and equities. Whether the AED 50 million size will grow in later tranches is not stated in the announcement, and we are not going to speculate.
Explore the full data behind this article: bank branches worldwide and ATMs worldwide in the gf6.com directory.
Methodology
This article rewrites a publicly reported financial event. All numerical facts — the 5.06% profit rate, the AED 50 million size, the five-year tenor, the AED 1,000 minimum, the 23–28 September 2026 subscription window, the 29 September 2026 allocation and the 1 October 2026 Nasdaq Dubai listing — are taken directly from the UAE Ministry of Finance announcement as reported by Emirates 24|7, Zawya and Entrepreneur Middle East. gf6.com maintains a curated worldwide directory of roughly 445,000 bank branches and ATMs, compiled and enriched over four years from public sources and manual research. Coverage varies by country; the directory is a large but incomplete sample and is not an official or government dataset.
How it fits Dubai’s retail-investor story
Dubai has spent several years widening access to its capital markets — from digital IPO subscription apps to lower minimums on listed products. A sovereign Shariah-compliant instrument that a resident can subscribe to from a banking app, for as little as AED 1,000, fits that direction of travel neatly.
It also matters that the product is AED-denominated. A local-currency retail sukuk lets residents earn a government-backed profit rate without taking on foreign-exchange risk, and it gives the state a domestic funding channel that is not dependent on cross-border institutional demand. Both sides — issuer and saver — get something they did not previously have at this ticket size.
Frequently asked questions
What is the profit rate on the second UAE retail T-Sukuk?
The Ministry of Finance set the annual profit rate at 5.06%, payable semi-annually over the five-year tenor.
When does allocation happen and when does trading start?
Allocation is scheduled for 29 September 2026, following the 23–28 September 2026 subscription window. Secondary-market trading is scheduled to begin on Nasdaq Dubai on 1 October 2026.
Who can subscribe and how?
The T-Sukuk is available to UAE nationals and residents through digital channels including DFM’s eIPO platform, the iVestor app, Emirates NBD and six other approved receiving banks. The minimum subscription is AED 1,000.
How large is the issuance?
The announced size is AED 50 million (approximately $13.6 million). No further tranche size has been disclosed in the announcement summarised here.
Is the T-Sukuk Shariah-compliant and government-backed?
Yes. The Ministry of Finance describes it as Shariah-compliant and fully backed by the UAE government.
Is this article investment advice?
No. This is a data-journalism summary of a public event. For investment decisions, consult a licensed financial adviser and read the official offering documents.
This article was produced with AI assistance from publicly available sources and is handled under our editorial standards and AI policy.
I have been online since 1995. For many years, I worked in the e-commerce sector, setting up several online shops, and have always been interested in data analysis. In 2007, I moved to the Seychelles to work from there or as a digital nomad. In recent years, I have increasingly specialised in the financial sector. I manage the Seychelles’ Commercial Register and am also very familiar with the offshore world. GF6.com is a project I have been working on for many years. I built and curated the 445,000-entry bank database myself over a period of six years, and for the past two years or so I have also been using AI to achieve better structures.
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