New Delhi, May 24 -- Administered by the Employees' Provident Fund Organisation (EPFO) under the EPF Act of 1952, EPF is a retirement savings scheme available to salaried citizens. Today, we discuss, Scheme Certificates issued by the body to members.

What is a scheme certificate? Scheme certificate is issued to members who withdraw their EPF contribution but wish to retain their membership with EPFO, to avail pension benefits on attainment of retirement age.

Who is eligible to get a Scheme Certificate? A member whose service is 10 years or more and has not yet attained the age of 58 years will be mandatorily issued scheme certificate.

Can you choose avail scheme certificate before retirement? Yes. A member whose service is less than 10...