national bonds

National Bonds:

It is an organization led by the Dubai bonds company, initiated by the Government of Dubai with 50% ownership. The company offers a Sharia Compliant scheme for investing money, with an aim to provide low-risk savings to the people in UAE. It allows people to buy bonds and turn that into profit, after some time by gaining annual interests which are usually more than what the banks in UAE offer.

The National Bonds scheme has been initiated with the motto of being “Everyone’s favorite place to Save and Invest”.


National bonds scheme is available for all, including UAE Nationals (Emiratis) and resident expatriates. 

  • Anyone older than 21 years of age can purchase national bonds. 
  • In the case of minors, they’ll need their parents’ and/or legal guardian purchase the savings bond for them.
  • There is no restriction on the minimum income for these bonds as they are meant to serve the purpose of saving money for the future.

Products offered at National Bonds

Here’s the list of products offered by National bonds to the individuals

  • Saving Bonds: Regular savings scheme that starts at AED 100.  
  • The Global Savings Club: National Bonds partnered with the Dubai Quality Group. A customisable savings plan is provided.
  • Accelerated Savings Plan: Cummulative savings plan which can expect up to 10% bonus per annum. Requires a minimum investment of AED 200.
  • myPlan: Simple savings plan which requires AED 100 as investment per month
  • The Payout: A 2-year plan with monthly profit payout.
  • Pledging Scheme: Can pledge your Sukuk bonds and get up to 90% of the value as a finance
  • 2-Year Booster: Earn up to 6% profit rate for 2-year investment plan which starts at AED 10,000.
  • Advance Booster: Earn up to 12% profit rate for a 4-years investment plan which starts at AED 10,000.
  • Tejouri: Exclusive savings account for UAE Nationals.
  • The USD Certificates: One-year investment opportunity where the investor can make investments in US Dollars with a 30-days lock-in period. Can expect about 2.5% per annum profit rates.
  • Booster 10: Earn up to 10% profit rate for a 3-year investment plan which starts at AED 10,000.
  • Gift Vouchers: Can gift AED 100 – AED 25,000 gift vouchers to friends or family.

Where to get National Bonds?

The most common place to find a bond is at the post offices. Apart from post offices, there are 700+ places in UAE where you can purchase these bonds. For making it easier for the people, the Government of UAE also allows an online purchase of national bonds. These bonds can be purchased on where you can purchase as many bonds you wish.

There is a minimum investment requirement of 100 AED, where you can get ten bonds valued at AED 10 each or even a single bond valued at 100 AED. There is no upper limit, however, and you can purchase a bond of any amount greater than 100 AED.

Profit Rates:

The investment made in NBC will be utilized by the company for making profits and finally, the profit will be shared among the investors. The interest rates in UAE which will be offered to the investors would vary every year. The profit rates keep rising as you extend the tenure your bonds by the end of a year, which is like “The longer you save, The more you gain”. There is a minimum time requirement for which an investor has to hold a bond; this is set at 3 months where the investor gets 40% of the annual interest after withdrawing by the end of the third month.

According to 2020 returns, Bonds that are valued at greater than AED 1 Million earned 3.98% profit whereas between AED 350K – 1 Million earned 2.91% profit and regular savings bonds got 1.74% profit. Minors holding 5K+ got 2.29% profit, Ladies holding 5K+ got 2.28% profit and UAE Nationals holding 5K+ earned 2.73%.

National Bonds profit rates growth

The profit rates provided depends on the bond value. Here’s the approximate profit rates growth on National bonds

  • In 2014, 1.2% profit rate was provided on the regular savings bondsIn 2015, 1.76% of profit is provided on bonds above AED 50,000
  • In 2016, the profit rates were the same as 2015 i.e 1.76%
  • In 2017, there was an extreme raise which was 2.82% on regular savings bond
  • In 2019, the profit rate of regular savings bond was 2.09%
  • In 2020, the profit rate of regular savings bonds was 1.74%

In 2018, National bonds have invested on a real estate project on Reem Island and one more project on Satwa close to Citywalk. So the authorities are expecting higher profits by around 4%.  

Gift Vouchers and Rewards:

Apart from the profit rates, one more aspect which is gripping is the rewards. In 2020, the Rewards Program of National Bonds introduced rewards worth AED 35 million, which includes AED 1 million for 8 winners, 12 Tesla cars and 4 Nissan Patrol, annually. This gives the savers to win exciting prizes every month. In 2020, as the part of rewards scheme, 64,978 bondholders got rewarded by National Bonds. 

Is National Bonds worth the investment?

Investment is very important for everyone in their life which proves to be beneficial for higher studies, any medical expenses, post-retirement funds etc. It is better to invest in schemes which are run by the government as they are trustworthy and mostly risk-free. National Bonds is a kind of investment where you invest some decent amount and earn good interest rates. As of 2017, which was 4%; this shows that National Bonds is definitely worth investing in when you want to invest in UAE. In addition to the decent profit rates, they provide rewards and gifts which are refreshing.

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