What is the ruling on usurious interest that was disbursed from investment certificates after repentance, and is it obligatory to dispose of the entire amount or what remains after deducting withdrawal fees, and what should one do if disposing of the entire amount exceeds their capacity and leads to a loss of capital?

The ruling depends on the type of investment certificates, their nature, and the conditions of their issuance. If they have a fixed, guaranteed return, they are usurious loans and are forbidden. If they have a variable return and the bank adheres to Sharia principles, then there is no harm in them. The matter should be presented to scholars who are knowledgeable about the state of banks and their investments.