The UAE has announced a second sovereign retail T-Sukuk for individuals. The minimum entry point is AED1,000. The tenor is five years. The figure most people will want before deciding whether it suits them — the profit rate — has not been announced yet.
The Ministry of Finance said on September 17 that the second issuance under the Sovereign Retail T-Sukuk Programme will be open to UAE nationals and residents. It is a Shariah-compliant sovereign instrument backed by the UAE Government, with the profit rate due to be announced on September 22, 2026.
UAE residents can access a new five-year sovereign retail Sukuk from AED1,000, but the return is not known until September 22.
UAE residents and nationals comparing low-risk, Shariah-compliant savings and fixed-income options over a five-year horizon.
The programme broadens retail access to sovereign Sukuk that were previously aimed mainly at institutional investors.
The profit rate is not yet announced, fees can vary by channel, and selling before maturity exposes the investor to market pricing and liquidity conditions.
The Ministry of Finance says the five-year issue's profit rate will be announced on September 22, 2026.
Wait for the profit rate, then compare the five-year return, fees and liquidity against other options before subscribing.
Retail investors gain direct access to a UAE Government-backed instrument at a relatively low minimum subscription amount.
Eligible investors need a valid Emirates ID and, for direct retail participation, a valid DFM National Investor Number, subject to channel terms.
Watch the September 22 profit rate, subscription dates, final terms, channel fees and secondary-market conditions.
That timing matters. A five-year investment should not be judged only by the AED1,000 minimum or the government backing. The return, liquidity, fees and your own time horizon matter too.
What Is Confirmed
The Ministry of Finance confirms that the new issuance has a five-year tenor and a minimum subscription of AED1,000. Retail T-Sukuk are issued in UAE dirhams under a Shariah-compliant structure, pay profits every six months and are listed and tradable on the secondary market after issuance.
Eligible retail investors must hold a valid Dubai Financial Market National Investor Number and be either a UAE national or a UAE resident with a valid Emirates ID. The Ministry also says additional restrictions, fees and eligibility requirements can vary by participating institution and investment channel.
The Missing Number Is the Profit Rate
The new issue’s annual profit rate is not part of the September 17 announcement. The Ministry says it will be published on September 22.
That is the number to compare with other low-risk or fixed-income options available to you. A five-year sovereign instrument can offer predictability, but locking money into a longer tenor also creates an opportunity cost if rates elsewhere change.
Secondary-market trading provides a route to sell before maturity, but liquidity and pricing are subject to market conditions. Selling early may therefore produce a different result from holding the Sukuk to maturity.
The First Retail Issue Was Much Shorter
The inaugural retail issuance launched earlier in 2026 with a two-year tenor and an annual profit rate of 4.30%, with distributions every six months. The Ministry says that first deal attracted AED445 million in subscription orders against an initial AED50 million issuance size, prompting the final size to be increased to AED100 million.
Those results show demand for the first product. They do not tell you what the five-year issue will pay. The new issuance needs to be judged on its own terms once the September 22 pricing is published.
AED1,000 Is the Entry Point, Not the Whole Cost Question
The Ministry’s retail T-Sukuk page says the minimum for direct new-issue participation is AED1,000. It also notes that fees can depend on brokers, custodians and participating institutions.
That means the right comparison is not simply “AED1,000 versus AED1,000.” Investors should check any account, custody, brokerage or transaction charges attached to the channel they use.
Who Can Subscribe
- UAE nationals and UAE residents with a valid Emirates ID.
- A valid DFM National Investor Number is required for direct retail T-Sukuk participation.
- Subscription is available through DFM and participating receiving banks’ digital channels.
- Institution-specific terms and eligibility requirements may still apply.
What to Check on September 22
- Profit rate: the core return figure for the five-year issuance.
- Subscription window: the exact opening and closing dates if separately announced.
- Fees: any bank, broker or custody costs connected to your chosen channel.
- Liquidity: how easy it is to sell later and what market pricing could mean if you exit before maturity.
- Time horizon: whether five years fits when you may need the money.
The Bottom Line
The UAE’s second retail T-Sukuk makes sovereign fixed-income access unusually accessible at AED1,000. But the five-year tenor changes the decision compared with the first two-year issue.
The sensible point to evaluate it is September 22, when the profit rate is published. Until then, the minimum investment is confirmed, the government backing is confirmed and the tenor is confirmed — but the return is not.
Sources
- UAE Ministry of Finance, 17 September 2026: second Sovereign Retail T-Sukuk issuance announcement — Ministry of Finance
- UAE Ministry of Finance: Retail T-Sukuk eligibility, investment channels, fees and trading information — Retail T-Sukuk
Checked 17 September 2026. This article is informational and not investment advice.
Robius.news — Dubai, UAE — 2026 | Built to be first. Built to be trusted.
