what is scheme certificate
Dear members please suggest in clarity of above. abbasiti. Scheme Certificate can be used for both withdrawal benefit (one time) or monthly pension, in accordance with the contributory period. If you have a service of 9 years and six months or more, you will be eligible for pension.Otherwise you will get withdrawal benefit only. have received the Employee Pension Scheme 1995 form from my HR department. I am not able to decide whether I should go for the withdrawal of the pension fund or should I opt for the Scheme Certificate. Can you please guide me regarding the pros and cons of opting for a Scheme Certificate.