Translation (Maududi)
"For He it is Who has appointed you as His vicegerents on the earth, and has exalted some of you over others in rank that He may try you in what He has bestowed upon you. Indeed your Lord is swift in retribution, and He is certainly All-Forgiving, All-Compassionate."
The closing verse of the entire surah. Maududi explains its perfect summation of the Qur'anic worldview: humans are khalā'if al-arḍ — successors and vicegerents of the earth, entrusted by Allah with stewardship. The differences in rank, wealth, intelligence, strength, and station between people are not random injustices but deliberate tests (li-yabluwakum) of how they handle what they have been given. The wealthy are tested by their wealth, the poor by their poverty, the strong by their strength, the learned by their knowledge. The surah ends with the two divine names held in tension throughout it: sarī' al-'iqāb (swift in retribution) and ghafūr raḥīm (most forgiving, most merciful) — the same balance of warning and invitation, fear and hope, with which the surah began. The choice is laid bare; the surah is sealed.