logo
UAE's upcoming fines and fees in 2025: What everyone should watch for

UAE's upcoming fines and fees in 2025: What everyone should watch for

Time of India5 days ago
From stricter Emiratisation penalties to new nutrition grading rules: wave of updated fines and regulations in 2025/Representative Image
TL;DR:
Stricter
Emiratisation
fines for private firms came into force in July 2025.
New nutrition labelling rules on packaged food products.
Salik
(toll) system expansion in Dubai, with new gates operational since June 2025.
Expected changes to parking fees and privacy regulations to be announced later in 2025.
As UAE progresses with Vision 2030 initiatives, a series of new fines, fees, and regulatory changes are taking effect in 2025 directly impacting expats and businesses in the emirate.
From enhanced Emiratisation penalties to updated food safety regulations, the UAE continues to recalibrate its legal landscape to align with social, economic, and sustainability goals.
June to December 2025 is seeing multiple policy rollouts that residents and expats alike need to monitor closely, particularly with financial penalties for non-compliance now significantly higher than before.
Higher Emiratisation Fines for Private Companies (July 2025)
Effective July 2025, the UAE Ministry of Human Resources and Emiratisation (MoHRE) has increased fines for private sector firms that fail to meet Emiratisation targets.
Companies with 50 or more employees must ensure that at least 4% of their workforce comprises UAE nationals by the end of 2025.
Non-compliance fines: AED 96,000 per unfulfilled Emirati hire, up from AED 84,000 in 2024.
MoHRE confirmed the new penalty structure in its June 2025 circular. The government continues to incentivise firms to comply through the Nafis programme, providing salary support and training for Emirati employees.
Nutrition grading system
From June 1, mandatory nutrition grades must be placed on food items as part of a new labelling system launched by quality control and health officials in Abu Dhabi.
Products found on supermarket shelves without Nutri-Mark, which grades the nutritional content of a food item, will be withdrawn and concerned parties will be fined.
by Taboola
by Taboola
Sponsored Links
Sponsored Links
Promoted Links
Promoted Links
You May Like
American Investor Warren Buffett Recommends: 5 Books For Turning Your Life Around
Blinkist: Warren Buffett's Reading List
Undo
This will also apply to items that are displaying a higher grading than they should.
Nutri-Mark grades the nutritious value of a certain item from A to E, with A being the most healthy. The first phase of the new scheme applies to baked goods, oils, dairy, children's food and beverages.
Salik Toll System Expansion
: New Gates Operational Since June 2025
Dubai's Roads and Transport Authority (RTA) launched two new Salik gates in June 2025 to manage traffic congestion:
Business Bay Crossing
Al Khail Road near Dubai Hills
Each crossing deducts AED 4 per pass, similar to existing Salik gates.
The RTA states that the expansion is designed to alleviate congestion on alternative routes and enhance traffic flow into the city's core commercial districts.
Potential Parking Fee Reforms: Expected Q4 2025
Dubai's Integrated Transport Centre (ITC) is currently reviewing city-wide parking fee structures, with adjustments expected by the end of 2025.
The changes may include:
Dynamic pricing based on demand zones
Extended paid parking hours in high-traffic areas
Adjustments to seasonal parking permits
UAE's Privacy Law Enhancements: Rollout by December 2025
The UAE's updated Personal Data Protection Law (PDPL) is set for full implementation by December 2025, impacting how private companies collect, store, and use customer data.
Key provisions include:
Mandatory data protection officers for firms handling sensitive data
Enhanced opt-out rights for users
Strict breach reporting timelines (72 hours)
Penalties for non-compliance can reach up to AED 1 million, as stipulated by the UAE Data Office in its May 2025 compliance guidelines.
Verdict
Dubai's evolving regulatory landscape in 2025 reflects its broader socio-economic strategies under Vision 2030. Expats and businesses alike must stay informed on these key changes:
Higher Emiratisation fines already in place
Nutrition grading system
New Salik gates operational
Upcoming parking reforms in Q4
Stricter data privacy enforcement by year-end
By staying compliant, residents and companies can avoid steep penalties while contributing to UAE's vision of a more sustainable, health-conscious, and digitized society.
Orange background

Try Our AI Features

Explore what Daily8 AI can do for you:

Comments

No comments yet...

Related Articles

RBI begins fine tuning rates by conducting simultaneous VRR and VRRR auctions
RBI begins fine tuning rates by conducting simultaneous VRR and VRRR auctions

Time of India

time39 minutes ago

  • Time of India

RBI begins fine tuning rates by conducting simultaneous VRR and VRRR auctions

The Reserve Bank of India will conduct a variable rate reverse repo (VRRR) operation on Friday, with an aim to absorb Rs 1.25 lakh crore This comes just after the RBI conducted a two day variable rate repo (VRR) operation and injected Rs 50,000 crore into the banking system on Wednesday and an overnight VRR operation on Thursday. Explore courses from Top Institutes in Please select course: Select a Course Category Degree others PGDM Others CXO Artificial Intelligence Management Product Management MCA Leadership Finance Operations Management Data Science MBA healthcare Public Policy Healthcare Cybersecurity Project Management Data Science Data Analytics Technology Design Thinking Digital Marketing Skills you'll gain: Data-Driven Decision-Making Strategic Leadership and Transformation Global Business Acumen Comprehensive Business Expertise Duration: 2 Years University of Western Australia UWA Global MBA Starts on Jun 28, 2024 Get Details by Taboola by Taboola Sponsored Links Sponsored Links Promoted Links Promoted Links You May Like This Man Revealing His Strategy To Earn Upto 3K-5K Daily Income thefutureuniversity Learn More Undo The two-day VRR operation was over-subscribed amid a temporary shortage of funds, which pushed call rates to 5.73% on Wednesday, 23 basis points above the repo rate. The overnight VRR operation received tepid demand as the call rate softened to 5.54% on Thursday, CCIL data showed. Banking system liquidity stood at a surplus of Rs 2.17 lakh crore as of Wednesday, and at Rs 2.42 lakh crore as of Tuesday, RBI data showed. Money market participants will also bid in a government securities auction on Friday.

India's rich to get richer, boom in capital markets contributing to this trend: Bernstein Report
India's rich to get richer, boom in capital markets contributing to this trend: Bernstein Report

Time of India

time40 minutes ago

  • Time of India

India's rich to get richer, boom in capital markets contributing to this trend: Bernstein Report

India's wealthiest households are set to get even richer, with their growing financial assets creating massive opportunities for wealth management firms. According to a recent report by Bernstein , India's wealth managers are witnessing robust growth, driven by rising demand from the country's uber-rich . Explore courses from Top Institutes in Please select course: Select a Course Category Operations Management Data Science Finance Project Management Digital Marketing Technology Cybersecurity Product Management Public Policy MBA Healthcare Design Thinking Data Science Artificial Intelligence Data Analytics Degree Leadership CXO healthcare Others PGDM Management MCA Skills you'll gain: Quality Management & Lean Six Sigma Analytical Tools Supply Chain Management & Strategies Service Operations Management Duration: 10 Months IIM Lucknow IIML Executive Programme in Strategic Operations Management & Supply Chain Analytics Starts on Jan 27, 2024 Get Details These firms, which cater to the top 1 per cent of Indian households, are delivering more than 20 per cent profit growth and 20 per cent return on equity (RoE). by Taboola by Taboola Sponsored Links Sponsored Links Promoted Links Promoted Links You May Like Play War Thunder now for free War Thunder Play Now Undo It stated "India's uber-rich are only going to get richer. The top 1 per cent households (the uber-rich) in India control approx. USD 11.6 Tn in total assets, of which approx. USD 2.7 Tn are in liquid financial assets that wealth managers can service". The report highlighted that these liquid assets include bank deposits and non-promoter equity holdings. Indian households are gradually shifting more of their incremental savings and wealth into financial assets, boosting the addressable market for wealth managers. Live Events The boom in India's capital markets is also contributing to this trend. The ultra-rich are converting their illiquid promoter holdings into liquid financial wealth through IPOs, stake sales, and block deals. The report stated "The uber-rich are cashing in on the capital market boom, converting illiquid promoter holdings to liquid financial wealth through IPOs, stake sales and blocks". At the same time, a new class of wealthy individuals is emerging from the startup ecosystem, including founders and early employees, further expanding the base of high-net-worth individuals (HNIs). This growing cohort of the uber-rich is increasingly seeking professional advice to manage their expanding financial portfolios. However, the advisory market is still largely dominated by self-managed funds, unorganized players, and traditional banks. Specialized wealth managers currently hold only an 11 per cent share in the USD 2.7 trillion liquid financial asset pool. The report noted that these specialized players are well-positioned to grow due to their comprehensive product offerings and personalized services delivered by experienced relationship managers. The report expects these firms to grow their assets under management (AuM) by 20-25 per cent in the near term, and at a compounded rate of 18-20 per cent over the next decade. This growth will be driven both by the increase in the liquid asset pool of the ultra-rich, projected to grow by 13 per cent annually, and a gain in market share by wealth managers, expected to rise from 11 to 17 per cent. Overall, the rich individuals of the country will continue to rise and with that the AuM of specialized wealth managers is set to grow from the current USD 300 billion to USD 1.6 trillion over the next decade.

Disrupting credit: Accumn's Aniket Shah talks about how smart underwriting is reshaping retail lending
Disrupting credit: Accumn's Aniket Shah talks about how smart underwriting is reshaping retail lending

Time of India

time42 minutes ago

  • Time of India

Disrupting credit: Accumn's Aniket Shah talks about how smart underwriting is reshaping retail lending

With rising demand for personal loans, record disbursals by FinTech non-banking financial companies (NBFCs), and increasing regulatory scrutiny on unsecured credit, the way lenders assess risk is undergoing a radical shift. Traditional credit underwriting, once manual, static, and backward-looking, is now giving way to dynamic, artificial intelligence-powered systems that process vast streams of financial and behavioural data in real time. In this evolving landscape, smart underwriting is not just speeding up decisions but fundamentally redefining how trust is built in lending. To understand this transformation, we spoke with Aniket Shah , CEO of Accumn, a Yubi company. A Chartered Accountant with a background in financial markets and advisory, Shah founded Accumn (earlier known as Corpository ) to solve for a fragmented credit ecosystem. Under his leadership, Accumn has evolved into one of India's most advanced AI-led credit decisioning platforms—leveraging machine learning (ML) and generative (Gen) AI to power smarter, faster, and more inclusive lending across the board. Here are some insights from the conversation. As per a recent report by FACE, FinTech NBFCs alone sanctioned a record 10.9 crore personal loans worth over ₹1 lakh crore in FY 2024-25 - yet at the same time, large banks are tightening underwriting for unsecured retail loans and the Reserve Bank of India ( RBI ) continues to flag potential risks. In this backdrop, how would you say the very philosophy and practice of credit underwriting has evolved over the last decade? by Taboola by Taboola Sponsored Links Sponsored Links Promoted Links Promoted Links You May Like Why Seniors Are Snapping Up This TV Box, We Explain! Techno Mag Learn More Undo Aniket Shah: Over the last decade, credit underwriting has undergone a fundamental shift, both in philosophy and practice. In the early days, underwriting was largely traditional: manual, rule-based, and heavily reliant on financial statements and bureau credit scores. Decisions were based mostly on historical data, often leading to delays and subjectivity in judgment. For a typical retail loan, the turnaround time was over five days. Then came digital underwriting, which brought in automation. Credit scoring became faster with direct integrations to bureaus and banking data, but the process still largely depended on structured data. This reduced turnaround time significantly to one to two days, but didn't fully capture the borrower's current or future intent and capacity. Live Events Today, we're witnessing the next phase: AI-powered underwriting. Here, decision-making is real time, powered by ML models that not only assess traditional metrics but also use alternative data such as digital footprint, transaction patterns, and behavioural insights. Predictive analytics helps lenders move from a backward-looking to a forward-looking approach. As a result, many fintechs can now underwrite and disburse loans within minutes. In essence, underwriting has evolved from a static, risk-averse process to a dynamic, data-driven one that balances speed, scale, and smarter risk assessment, especially crucial in today's environment of rising retail credit demand and regulatory oversight. What are the biggest factors or innovations enabling this transformation in underwriting today, especially when it comes to retail lending? Aniket Shah: One of the biggest drivers of underwriting transformation in retail lending today is the use of alternative data, combined with advances in AI and machine learning. Earlier, lenders depended mainly on bureau scores and financials. Now, digitisation gives underwriters access to richer information, from digital KYC and identity records to fraud checks and land records for home loans. This paints a fuller picture of a borrower's behaviour and creditworthiness. AI models can then spot patterns humans might miss, like spending trends, cash flow cycles, or early signs of stress, enabling faster, more accurate, and more inclusive decisions, even for those with thin credit files. Together, these shifts help lenders move beyond a one-size-fits-all approach, making underwriting more predictive, personalized, and efficient, which is critical in high-volume retail lending. Could you share specific use cases of how AI/ML credit underwriting works now? For instance, we hear about hyper-personalised scorecards, or even the role of agentic AI, how real is this in production underwriting today? Spotlight Wire Aniket Shah, CEO, Accumn (a Yubi Company) Aniket Shah: AI-ML in credit underwriting has moved well beyond experimentation; it's already at the heart of production-grade decisioning, especially at Accumn. One example is Entity-Level Risk Grading, where we assess each borrower or business based on their probability of default. It's a deeper view of risk, tailored to the entity's specific profile and behaviour. We also leverage RisQ, powered by an ML algorithm, for real-time credit evaluation, helping credit teams identify and act on potential risks and opportunities as they emerge. By continuously analszing critical events, RisQ enables more informed and timely decisions across the credit lifecycle. Another powerful application is AI-Generated Credit Commentary. Our models generate instant, contextual summaries on borrowers and financial profiles, empowering credit analysts with clear, concise insights across the entire CAM, without the need to sift through scattered data points. Accumn is a one-stop platform to underwrite all kinds of borrowers (individuals, sole proprietors, MSMEs, and companies). It's transforming underwriting into an interactive, intelligent experience where underwriters can simply talk to the platform to analyse data, compute risk, predict outcomes, and spot deviations. Like a windsurf for credit teams, Accumn handles the heavy lifting, helping underwriters make faster, smarter decisions with natural language commands and real-time insights. With regulators highlighting early stress signals and write-offs creeping up despite stable GNPA ratios, how has the need for dynamic credit monitoring and portfolio surveillance evolved? Aniket Shah: While headline numbers suggest India's banking sector is in good shape with gross non-performing assets (GNPA) for commercial banks at a multi-decadal low of 2.3% in FY25, there's more to the story. A large part of this improvement has come from loan write-offs and rapid loan growth that boosts the denominator, but beneath the surface, stress signals are re-emerging, especially in NBFCs, where GNPA stands at a much higher 5.8%. This is where dynamic credit monitoring becomes critical. Take the case of AGS Transact, once stable and well-rated, defaulted on over ₹700 crore. Early signs like delays and governance gaps were missed by static checks. Accumn's AI-powered RisQ model flagged it as high-risk in FY22, well before default, by continuously tracking financial signals, compliance filings, legal issues, and workforce changes, proving real-time monitoring beats one-time assessments. Spotlight Wire For AGS, the score consistently stayed below 530, our high-risk threshold, while other traditional indicators lagged. The model also identified red flags across AGS's subsidiaries: strained liquidity, rising payable days, regulatory non-compliance, and legal cases, signs that a larger group-level stress was brewing. What this tells us is that portfolio surveillance must evolve from periodic to predictive. AI can connect the dots between seemingly isolated signals and detect systemic risk much earlier. For lenders and stakeholders, especially in a high-growth credit market, this shift from retrospective analysis to real-time monitoring it's essential. Tools like RisQ aren't replacing human judgment, but augmenting it with deeper, data-led foresight. That's the need of the hour in today's credit landscape. 1 ) Can you walk us through the key offerings of Accumn? What differentiates Accumn from traditional players in the ecosystem? Aniket Shah: Accumn, earlier known as Corpository, actually began with a very different goal - to simplify financial data access for equity investors. But as we went deeper, we realised the bigger, more urgent need was in the debt market, especially for credit institutions. That's where our real transformation began; from being a data aggregator to a full-stack credit intelligence and decision-making platform that helps lenders underwrite smarter, monitor better, and scale faster. Here's what truly sets us apart: 2) First AI-based E2E underwriting platform Unlike traditional setups, Accumn delivers end-to-end automation (from origination to underwriting, monitoring, and early warning signals) all powered by AI and advanced analytics. 3) Actionable insights, not just data We consolidate multiple data points such as financial, regulatory, and behavioural, but more importantly, we make them instantly usable for decisions, pricing, and portfolio risk management. 4) Consistency and speed at scale By reducing manual reviews and standardising risk models, we help lenders make faster, more accurate decisions with clear audit trails, no matter the borrower segment. 5) Inclusion of credit-invisible segments Our analytics enable confident lending to underserved segments such as gig workers or micro-businesses, unlocking growth for lenders and credit access for borrowers. At our core, we exist to remove guesswork, embed trust, and make credit decision-making truly intelligent, leveraging the power of human and artificial intelligence. 6) What kind of traction have you seen so far, and which marquee clients are actively building on Accumn's platform? Aniket Shah: We've seen strong and growing traction across the lending ecosystem, from large banks and NBFCs to fintechs and new-age credit platforms. Today, Accumn powers underwriting and credit decision-making for over 75 financial institutions across more than 500 lines of business. On average, we help process over 5 lakh credit evaluations every month, which speaks to both the scale and reliability of the platform. Some of the leading Indian banks and NBFCs are actively leveraging Accumn not just for risk evaluation, but also to streamline their credit workflows and standardise decision-making across teams. The fact that institutions with quite diverse credit needs, whether large-ticket wholesale or high-volume retail, are building on Accumn is a strong validation of our platform's flexibility and depth. 7) Going forward, how do you see your underwriting model evolving? Aniket Shah: Traditionally, underwriting models have focused on a simple yes or no - a probability of default, an approval score, or a hard cut-off. But that's changing fast. We're moving from static, one-time decisions to dynamic, context-aware models that adapt in real time. Say, adjusting a loan's price instead of rejecting it outright, or changing tenure based on when the customer's salary hits their account. This shift will also make models more explainable by design, so instead of a 'black box' score, you'll have clear, natural language justifications and audit trails. In short, underwriting won't just predict risk but also deliver actionable, personalised insights that help lenders and borrowers make smarter choices together. TIL hereby disclaims any and all warranties, expressed or implied, relating to it, and does not guarantee, vouch for or necessarily endorse any of the content.

DOWNLOAD THE APP

Get Started Now: Download the App

Ready to dive into a world of global content with local flavor? Download Daily8 app today from your preferred app store and start exploring.
app-storeplay-store