Subscription opens for July issuance of Sah product with 4.60% return

Logo of Sah product for government sukuk and dedicated to individuals

Subscription for the July issuance of Sah, a government sukuk product for individuals, begins Sunday, July 5, 2026. Sah is a Sharia-compliant security issued by the Saudi government through the Ministry of Finance and arranged by the National Debt Management Center.

The return is set at 4.60%, allocation will take place on July 14, the redemption period will be from July 19 to July 21, and redemption payments will be made on July 26.

Sah is dedicated to individuals with attractive returns offered monthly according to the issuance calendar. The savings period is one year with a fixed return, and accrued profits are paid at the end of the sukuk's life (maturity date).

The product is exclusively for Saudi males and females aged 18 and above, provided the subscriber has an account with one of the financial institutions: Al Ahli Financial Company, Al Jazira Capital, Alinma Investment, Alawwal Invest, and Al Rajhi Capital.

The product features attractive returns, government backing, low risk, easy subscription, no redemption restrictions, and no fees.

The product aims to enable better financial planning for the future, increase the proportion of individuals who save regularly, provide a safe savings method, increase the supply of savings products, and promote a savings culture.

Details of Sah product

Issuance type

Sah is the first subsidized savings product dedicated to individuals, Sharia-compliant in the form of sukuk under the Saudi local sukuk program in Saudi riyals

Subscription start

July 5, 2026 (10:00 AM)

Subscription end

July 7, 2026 (3:00 PM)

Target group

Saudi males and females aged 18 and above

Minimum subscription

1,000 riyals, equivalent to the value of one sukuk

Maximum subscription

200,000 riyals for total issuances per individual during the program period

Profit distribution date

Annual profit for sukuk will be paid on the maturity date

Face value of sukuk

1,000 riyals

Sukuk return

4.60%

Maturity date

One calendar year

Redemption request

Sukuk holders can request redemption during specified periods according to the published annual calendar of Sah, and accrued profits will not be due upon early withdrawal

Financial institutions providing subscription service

Al Ahli Financial Company, Al Rajhi Capital, Al Jazira Capital, Alawwal Invest, and Alinma Investment

What is the return rate for Sah product?

The return depends on market conditions from month to month

Does Sah bear zakat for savers?

No, Sah does not bear zakat

Saudi sukuk

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