The UAE Ministry of Finance has launched a new Sovereign Retail T-Sukuk Programme, opening up government-backed, Shariah-compliant investment opportunities to citizens and residents for the first time.

The initiative, announced as a first of its kind in the country, adopts an IPO-style subscription model similar to those used in regional exchanges such as the Dubai Financial Market and Nasdaq Dubai. Officials say it is designed to widen public participation in government securities while encouraging long-term saving and financial planning.

Mohamed bin Hadi Al Hussaini, Minister of State for Financial Affairs, described the programme as a step towards strengthening financial inclusion and deepening community engagement in the UAE’s financial system.

The scheme also aligns with the UAE’s “Year of Family 2026”, with authorities highlighting its role in promoting financial awareness and supporting household-level planning for the future.

Under the programme, investors will be able to participate with a minimum subscription of AED 1,000, making the instrument accessible to a broad base of retail investors. The sukuk will be listed on Nasdaq Dubai, allowing it to be traded and offering investors liquidity after issuance.

Key details of the first issuance, including the profit rate, tenor and subscription window, are yet to be announced.

The programme is being rolled out in partnership with Dubai Financial Market, Nasdaq Dubai and a number of local banks.

Emirates NBD has been appointed as the lead receiving bank, with Emirates Islamic, Abu Dhabi Islamic Bank, Ajman Bank and Mashreq facilitating subscriptions through their digital platforms.

Officials say the move is intended to broaden participation in domestic capital markets and reinforce the UAE’s position as a regional financial hub.