Fixed, pre-agreed returns
Earn returns agreed in advance through structured profit distributions.
Retail Sukuk
Shariah-Compliant Fixed Income, Listed in Dubai
Once Exclusive to Institutions. Now Open to Individual Investors.Earn regular, predictable returns from Shariah-compliant investments, listed and traded on Nasdaq Dubai.What is Retail Sukuk?Retail Sukuk are Shariah-compliant investment instruments that allow individual investors to earn regular profit over the duration of the Sukuk, or until they sell it. The profit is calculated based on the Sukuk’s profit rate and is paid either annually or multiple times a year, depending on the Sukuk’s terms.
If held until maturity, investors receive their initial investment amount back. Retail Sukuk are issued in smaller denominations, starting from AED 1,000, making them accessible to individual investors.
Retail Sukuk are listed and traded on Nasdaq Dubai, giving investors the flexibility to buy or sell their holdings before maturity.
If held until maturity, investors receive their initial investment amount back. Retail Sukuk are issued in smaller denominations, starting from AED 1,000, making them accessible to individual investors.
Retail Sukuk are listed and traded on Nasdaq Dubai, giving investors the flexibility to buy or sell their holdings before maturity.
Earning From Your Sukuk
You invest AED 10,000 in a Sukuk with a 5% Profit Rate (Coupon Rate) and a 3-year term .
You Invest
AED 10,000
one-time investment
Total Earnings
AED 1,500
AED 250 × 6 payments (twice a year, 3 years)
Total Return
AED 11,500
after 3 years
1
You invest AED 10,000. You receive Sukuk certificates.
2
Every 6 months, AED 250 is paid directly into your account. That gives you 6 payments in total, earning AED 1,500 over 3 years.
3
At the end of year 3, your original investment of AED 10,000 is returned to you in full, along with all the earnings you made.
For illustrative purposes only. Actual profit rates, terms, payment schedules, and returns may vary depending on the issuance. Investments are subject to market risks and issuer obligations. This information does not constitute financial, investment, or Shariah advice.
Sukuk Market Performance
Nasdaq DubaiUSD177bnCumulative Value of Sukuk listings (YTD2025)
USD105bnTotal outstanding value of Sukuk (YTD2025)
USD25.63bnTotal Value of Sukuk listed in 2025
8xExpansion from USD12.6bn in 2013
Nasdaq Dubai’s Sukuk market continues to demonstrate strong momentum and global relevance. Sustained growth reflects deep issuer confidence and increasing demand for Sharia-compliant capital markets.
Benefits of Retail Sukuk The Retail Sukuk Initiative is built specifically for retail investors, offering direct access to listed Sukuk.
Asset-backed and stable by nature
Linked to real assets, offering structural stability and consistent performance.
Plan Your investment
A clear, structured approach to help you manage and grow your savings over time.
Invest easily, exit when you need to
Offers flexibility for investors to invest and withdraw as needed, subject to product terms.
Low Risk by Structure
Designed for stability with reduced exposure to market volatility.
Who Can Invest
Sukuk are open to both institutions and individuals. Who can take part depends on each offer, though. Some are open to everyone, while others are limited to institutions only or to individuals only. Always check the terms of the specific offer before you apply.
- UAE Nationals & Residents holding a valid Emirates ID, when the offer is open to individuals
- New and existing DFM investors, no prior experience required
- Institutions, with their own eligibility set per offer
- Each offer sets its own eligibility, so availability can differ from one Sukuk to the next
Obtaining a DFM Investor Number (NIN)
A NIN is required to subscribe and trade. NINs may be obtained through any of the following:
DFM Mobile ApplicationRegister directly through the DFM App using your Emirates ID.
iVestor Mobile ApplicationRegister through the iVestor App to obtain your NIN instantly.
Licensed Trading MemberApply through a licensed trading member of DFM or Nasdaq Dubai.
How to Subscribe to Retail Sukuk? Subscribe during the designated subscription window through your preferred DFM platform. An active DFM Investor Number (NIN) is required.
DFM App
Go to IPO / Sukuk Subscriptions in the DFM App and follow the step-by-step guided flow to subscribe in minutes.
iVestor App
Open iVestor and navigate to Subscriptions. The app guides you step-by-step and allows payment via your iVestor Card.
Receiving Banks
You may also subscribe through the issuer’s receiving bank. The Prospectus provides details of the participating bank and the available subscription methods.
IPO Subscription Platform - Arena
Subscribe online via the DFM e-Services portal. Available during designated subscription periods only.
How to Trade Retail Sukuk?
Open a Trading Account
Download the iVestor app to instantly open a trading account with our partnered brokers.
Or select and appoint a Nasdaq Dubai broker member to carry out your buying and selling transactions.
Start Trading
Once you appoint a broker, start trading through iVestor app, their mobile app, or online platform.
Search for the Retail Sukuk by name or symbol in the Sukuk / Bonds section.
Select Buy or Sell, enter quantity (above the applicable minimum), and confirm.
Track Your Portfolio
View and track your portfolio and trading activity via DFM App or iVestor app.
Keep track of latest trades and price changes on DFM and Nasdaq Dubai listed securities.
Apply for an iVestor Card and access online statements and controls anytime.
Learn More Watch our videos to understand how Retail Sukuk works and how to get started.
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