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Eps -scheme certificateHi i leave previous company with 3.5 yrs exp and now join new company. i have withdraw my pf and now receive form of eps. in eps form two option 1.withdraw 2.scheme certificate. so i have following queries. 1 is pf and eps are linked? i.e. as i withdrawal of my pf so am i liable for applying scheme certificate of eps? or i need to only withdraw of eps 2 if i apply for scheme certificate do i need to submit scheme certificate to new firm. . 3 is this valid to submit scheme certificate to new firm as i withdraw of my pf. 4 what are the advantages/disadvantage of withdrawal of eps/applying of scheme certificate? please provide me guideline for above queries. Employee pension scheme certificateDear friends i have resigned from a company after working there for around 5.5 years. i 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. thanks & regards sameer s gupte Query on scheme certificate and employee pension scheme 1995Dear experts i resigned from my service after 11 years in 2011 and have received the scheme certificate. as i understand i can use this scheme certificate after attaining an age of 50 yrs either for a one time withdrawal benefit or for monthly pension. is my understanding correct? if yes i have the following two queries: 1. the scheme certificate mentions the following amounts: pensionable salary: 6403 last salary : 6500 what is the difference between them and which of these will be used to calculate the pension? what will be the formula for calculating monthly pension i had started service in 1998? 2. i have now joined my new employer. they have their own pf trust and deduct 541/ for eps from my monthly salary. should i submit the scheme certificate from my past service with my new employer? do the years that i work for my new employer only get added to my pensionable service currently 11 years as per the scheme certificate if i submit this scheme certificate with them now? or can i get the benefit of aggregated pensionable service by accumulating individual scheme certificates assuming i get another one from my current employer at the time of redemption? warm regards krishna Scheme certificate becomes payable at the demise of the the pensioner. is that right?I m 59; i was working for a private organisation from april 2006oct 2016 10.5 years. got pf settlement in full. about pension when i applied for final withdrawal i am told i can get only the scheme certificate. my onlynominee would be my married daughter 31 years. i need to reapply for scheme certificate and get it with the nominees details incorporated. 1 understand that the scheme certificate becomes payable at the demise of the the pensioner. is that right please? 2 am i eligible for monthly pension? 3 what is the purpose of form 10d?