What is the ruling of Sharia on taking an amount of 45,0 EGP from the Employees' Welfare Fund at a bank, after paying 120 EGP monthly for 10 years?

This transaction is usurious and impermissible, because it is a loan with an increase. The Shariah-compliant method is to invest funds in permissible Mudarabah (profit-sharing), and distribute the profit among the members on a pro-rata basis according to the initial agreement. It should be noted that it is not permissible to work in Riba-based banks except in cases of extreme necessity.