The Ministry of Finance launches the “Individual Sukuk” initiative to invest in Islamic treasury bonds

The Ministry of Finance announced the launch of the “Individual Sukuk” initiative, which allows individual investors to invest in government treasury bonds compatible with the provisions of Islamic Sharia (Treasury Sukuks), through the digital channels of the banks participating in the initiative within the country, in a strategic step aimed at enhancing financial inclusion and expanding the investor base in government financial instruments, by enabling citizens and residents to invest easily and safely. In accordance with the provisions of Islamic Sharia, noting that investments can be made in amounts starting from 4,000 dirhams only.

The initiative is in line with the directives of the wise leadership to empower society economically, and in line with the goals of the “Year of Community 2025,” which consolidates the values ​​of togetherness, enhances the well-being of individuals and families, and allows society to contribute to building a more sustainable future.

His Highness Sheikh Maktoum bin Mohammed bin Rashid Al Maktoum, First Deputy Ruler of Dubai, Deputy Prime Minister and Minister of Finance, said: “The (Individual Bonds) initiative embodies the vision of the UAE and the directives of its wise leadership in empowering society and enhancing participation in the national development process, through financial policies that place human well-being at the top of priorities. The launch of this initiative comes within the framework of the Year of Society 2025, to open new horizons for citizens and residents to participate in building the future through safe and government-supported investment tools.”

His Highness added: “Through this initiative, the Ministry of Finance seeks to transform investment in government sukuks into an easy and comprehensive digital experience that enables all segments of society to access high-quality financial tools that were previously limited to institutional investors. This represents a strategic step towards consolidating financial inclusion and promoting a culture of long-term savings, ensuring the sustainability of the country’s financial resources and supporting development goals in various sectors.”

Direct opportunity

His Highness Sheikh Maktoum bin Mohammed bin Rashid Al Maktoum said, in a blog post on the “X” platform yesterday: “The Ministry of Finance launched the (Individual Sukuk) initiative to enable citizens and residents to invest in government treasury bonds, and to contribute to expanding the investor base in government financial instruments, and to enable individuals to invest easily and safely.”

His Highness added: “With this initiative, we embody the vision of our leadership in empowering individuals, promoting a culture of savings, and developing government investment tools in a way that enhances individuals’ participation in economic growth and gives them a direct opportunity to contribute to the national development process.”

His Highness continued: “Our economy creates opportunities, gives hope, and consolidates the UAE’s position as a global model for human empowerment and leadership.”

A paradigm shift

For his part, Minister of State for Financial Affairs, Mohammed bin Hadi Al Husseini, said: “The (Individual Sukuk) initiative represents a qualitative leap in the development of government investment tools, which enhances individuals’ participation in economic growth and gives them a direct opportunity to contribute to the national development process. This initiative is a practical translation of the Ministry of Finance’s vision of building an innovative financial environment that provides safe and sustainable investment solutions that benefit society as a whole.”

He added: “The initiative is in line with the goals of the Year of Society 2025, as it promotes a culture of responsible savings and spreads financial awareness among various segments of society. It also embodies the spirit of partnership between the public and private sectors in consolidating the values ​​of giving and effective economic participation, which contributes to building a balanced and sustainable economy that serves the aspirations of the future.”

Raising awareness

The Ministry of Finance explained that the initiative aims to raise awareness of investment opportunities in individual Sukuks among citizens and residents, encourage the participation of a wider segment of individual investors, and build confidence by highlighting the ease of registration and full compliance with Sharia standards, in addition to stimulating long-term investment in UAE Treasury Sukuks as a safe and sustainable tool for saving.

The Ministry indicated that Sharia-compliant government sukuks, which were previously available only to institutional investors, are now available to all citizens and residents of the country, in a step that is considered an important achievement towards expanding comprehensive access to government-backed Islamic financial instruments.

The Ministry stated that individual sukuks are made available in UAE dirhams, and are linked to government treasury sukuks circulating in the market and allocated to institutional investors, which allows individual investors to benefit from the assets.

It is of high quality and guaranteed security, which was previously limited to large investors. It noted that it is working to activate the initiative through national banks in the country, and investment in treasury bonds will be made available to individuals, and the name of the first participating banks will be announced on November 3, 2025.

This initiative provides a valuable opportunity to save and diversify investments, as it enables individual investors to add a stable, government-backed financial instrument to their existing investment portfolios.

• Individual bonds are available in dirhams, and are linked to government treasury bonds traded in the market.

• Investing in treasury bonds will be available to individuals, and the name of the first participating banks will be announced on November 3.

Maktoum bin Mohammed:

• The initiative embodies the vision of the UAE and the directives of its wise leadership to empower society and enhance participation in the national development process.

• We at the Ministry of Finance are keen, through the initiative, to transform investment in Islamic treasury bonds into an easy and comprehensive digital experience.

• Our economy creates opportunities, gives hope, and consolidates the UAE’s position as a global model for human empowerment.