National Bonds Corporation launched in 2006 with a mandate to build a savings culture in the UAE, and it's wholly owned by the Investment Corporation of Dubai — the Dubai government's sovereign investment arm

What changed in the UAE EOSB savings market in Q3 2026? Our quarterly roundup of new providers, funds and regulatory details since the summer update.

Lunate is a different kind of entrant to this market. Rather than a bank offering EOSB to its client base in addition to many other financial products, it's a dedicated asset manager that built a purpose-made platform, branded "Ghaf Benefits", specifically for UAE's new EOSB scheme. The pitch is straightforward: a large, well-capitalised investment house lending its fund management muscle to gratuity savings, with more fund choice on offer than most of its peers.

This is the second article in our series profiling the licensed providers of the UAE's alternative End of Service Benefit (EOSB) savings scheme — one Fund Manager at a time, in alphabetical order.

Daman Investments has a fair claim to the title of “first mover” in this market. Alongside Lunate (which we will profile later), Daman Investments was one of the first two providers to win CMA approval to manage EOSB savings funds, back in July 2024 — and it's been building the fund infrastructure ever since. So, who is Daman Investments, and what do they offer?

Franklin Templeton obtained CMA license to manage funds. This enables them to offer retirement solutions, including End of Service schemes.

Eighteen months in, how mature is the UAE EOSB savings market? Our Summer 2026 update on licensed providers, available funds and employer sign-up.

Sukoon Secures Fund Administration License to Offer EOSB Saving Schemes

Daman Investments and Allianz Global Investors sign an MoU to add risk-based investment options to Daman's MOHRE-approved EOSB savings programme.

Where can UAE companies get advice on the new EOSB savings scheme? Who can advise on switching, enrolment and choosing a fund manager, and when to ask.

GratuityAdviser offers a comprehensive overview of licensed EOSB Fund Managers and all available EOSB funds.

The Capital Market Authority now oversees EOSB savings funds on the UAE mainland. What CMA supervision means for fund managers, employers and staff.

Lux Actuaries launches GratuityAdviser, an independent platform guiding UAE employers and employees through the new EOSB gratuity savings scheme.