Is it permissible for an employee to withdraw his savings from the savings scheme, from which the institution deducts 1% as commission, without being obligated to return them, knowing that the institution invests these savings in usurious investments?

Savings invested in unlawful (haram) ventures must be withdrawn immediately if possible, even if it incurs a withdrawal fee, because it is impermissible to keep them invested in something unlawful. If the owner of the wealth has received interest from these savings, they must dispose of it by giving it to the poor and needy, as it is unlawful wealth that cannot be benefited from except by the poor and needy. The fact that withdrawing savings requires paying a certain percentage is considered a retraction by the employer from part of what they had given to the employee.