Who is entitled to the interest money?

What do the esteemed scholars and honorable muftis say regarding this issue: A person had one hundred thousand rupees of interest money in a bank and he gifted that amount to a poor person. The poor person did not actually receive the money so that it would increase further—or he did not intend for it to increase, rather he simply did not receive it by coincidence—and after five years it became five hundred thousand rupees. The question is: In both cases (whether he purposely did not receive it or coincidentally did not receive it), is it permissible for this poor person to take these five hundred thousand rupees and use them for himself or not? And can he take and use only the gifted one hundred thousand rupees or not? Kindly provide the solution.

الجوابُ حامِدا ًو مُصلیِّا ً

It should be understood that the one entitled to such (interest) money is only a person who is truly eligible to receive zakah. From the apparent action of the mentioned person, it is clear that he is not zakah-eligible. Therefore, it is obligatory upon the giver to withdraw the entire amount of interest and, without the intention of reward, hand it over with full ownership to someone who is genuinely deserving, or deposit it with a charitable organization in the category of wajib al-tamlik funds, appointing them as an agent to distribute it to the rightful recipients. Furthermore, the person must completely close such an interest-bearing account in the future, and he should repent sincerely and seek forgiveness for the sin of keeping an interest-based account up until now.

مأخَذُ الفَتوی

کما فی تنزیل العزیز:احل اللہ البیع وحرم الربوا(البقرۃ:275)۔
وفی مرقاۃ المفاتیح: عن جابر رضی اللہ عنہ قال : لعن رسول اللہ ﷺ آکل الربوا وموکلہ وکاتبہ وشاھدیہ،وقال: ھم سواء (6/51)۔
وفی الشامیۃ: والحاصل انہ ان علم ارباب الاموال وجب ردہ علیھم ،والا فان علم عین الحرام لایحل لہ ویتصدق بہ بنیۃ صاحبہ (5/99)۔