India’s Most
Trusted QROPS Specialist.
Worked in the UK and now back in India? Your UK pension does not have to remain in the UK. We help eligible UK-returned Indians transfer their pensions to India through HMRC-recognised QROPS routes, with proper documentation, compliance and ongoing advisory support.
1,000+ NRIs · ₹250 Crore Transferred · Est. 2009
16+
Years Proven Expertise
₹250 Cr+
Successfully Transferred & Managed
1000+
UK Returned Indians
As Featured In
Pension Providers We’ve Worked With
About Us
QROPSDIRECT Pvt Ltd is India’s foremost independent specialist firm in UK pension transfers established in 2009, with a singular focus on helping UK-returned Indians bring their pension home, grow it securely and see it flourish in India.
Sixteen years of exclusive specialism. Over 1,000 transfers completed. More than ₹250 crore in pension assets successfully transferred, actively managed and reviewed year on year.
With offices in Bangalore, Mumbai, Delhi, Hyderabad and Chennai serving clients across every city in India and the UK, wherever you are, we are here for you.
Your pension took decades to build. We bring it home and make it grow.
Why NRIs Choose Us
For UK Pension Transfer
Professional and personal stories from NRIs who successfully transferred their UK pensions to India.
I recently utilised Noble’s QROPS service to transfer my UK pension to India, and I must say, the experience was outstanding. The team demonstrated deep expertise in cross-border pension transfers, ensuring full compliance…
We had an exemplary experience with QROPSDIRECT Pvt Ltd. Noble and his team were exceptional in handling the transfer of our UK Pension Fund to India. Very professional, courteous, and respectful throughout the entire process.
Our Latest Blogs
What is the correct order to complete forms for a UK pension transfer to QROPS in India?
1. Confirm the Indian plan is QROPS listed and obtain its QROPS reference number.2. Complete the receiving scheme administrator form so the Indian plan is in place.3. Collect the IRDAI certificate, HMRC QROPS certificate and plan brochure.4. Submit the member form to your UK provider. This starts the 60-day APSS263 clock.5. Return APSS263 and the […]
What documents and forms are required for QROPS transfer to India?
A UK pension transfer to India (a QROPS transfer) requires four application forms. The member form, the transfer-out form, HMRC form APSS263 and the receiving scheme administrator form. Along with these four forms, you need four supporting documents: the IRDAI certificate for the QROPS compliant Indian pension plan, the HMRC QROPS certificate for that plan, […]
Your pension isn’t lost. It’s just waiting to come home.
Bring it home with QROPSDIRECT Pvt Ltd. Where your money moves with you.
Frequently Asked Questions
What is QROPS?
QROPS or Qualifying Recognised Overseas Pension Scheme, is an overseas pension scheme that is in compliance with specific guidelines and requirements set by HMRC or His Majesty’s Revenue and Customs. Such compliant schemes are eligible to receive transfers from United Kingdom (UK) Pension Benefits without incurring any unauthorized payment or scheme sanction charges. This greatly benefits Indians who have worked in the UK and want to move back to India. Since they have made regular contributions towards a pension fund in the UK, the government allows them to transfer their pension funds to compliant pension schemes in India registered as QROPS.
When was the QROPS legislation introduced?
In April 2006, the HMRC introduced QROPS for individuals with UK pensions who are moving permanently away from the UK and would like to take their pensions with them.
What are the key benefits of a QROPS Pension Transfer?
Tax Efficiency
- Easier to keep track of taxes and regulations.
- Avoid UK income tax on pension and distribution which is as high as 40%, as well as death tax which is up to 55%.
- No capital gains taxes on investments.
Investment Opportunities
- Opportunity to invest in one of the world’s top 10 stock markets.
- Opportunity to invest in fixed interest schemes with guaranteed interest rates of up to 10.5%.
Convenience
- No requirement to buy an annuity.
- Flexible investment options with a lot less restrictions than in the UK.
- No money lost due to currency exchange rates.
- No Inheritance Tax.
When can you opt for QROPS?
You can opt for QROPS if you have a pension fund in the UK which you wish to transfer to India, under the condition that the Indian pension fund you choose to transfer to, is registered as QROPS with HMRC.
How do I know if I’m eligible to apply for QROPS?
The following pension schemes are eligible for QROPS transfer:
- Occupational scheme
- Final salary scheme
- Defined benefit scheme
- Defined contribution scheme
- Self-invested personal pension scheme
- Small self-administered scheme
What documents are required for QROPS transfer?
The forms that are required are Cash Equivalent Transfer Value (CETV) forms which include:
- Transfer Quotation
- Transfer out discharge forms
- APSS 263
- Any other forms as per UK pension providers requirements
Contact Us
Receive independent, unbiased advice on QROPS completely obligation free.
For more information, get in touch with us today.
We offer dedicated customer support and services across all major cities in India and the UK.
To ensure every client receives the personalised attention, we work exclusively with UK pensions of £10,000 and above.
