What is the ruling on receiving a monthly sum of 1,400 rupees from a government bank in exchange for depositing 100,000 rupees, with the original capital remaining withdrawable after one year, to help the elderly and retirees in Pakistan?

The mentioned transaction is precisely the forbidden usury (riba) whose prohibition was revealed in the Qur'an. It is a loan with interest, not a legitimate investment, as its reality is a deposit with a guarantee of capital and profits. Allah has threatened those who deal in usury with war from Him and His Messenger. Usury is devoid of blessing and will eventually vanish, even if after a time, as Allah Almighty says: "Allah destroys interest and gives increase for charities." Therefore, it is impermissible to engage in such a transaction, and usury is forbidden whether it is in a transaction with the state or otherwise.