India’s Most
Trusted QROPS Specialist.
Worked in the UK and now back in India? Your pension doesn’t have to stay behind. We bring it home legally, tax efficiently and fully HMRC compliant.
1,000+ NRIs · ₹250 Crore Transferred · Est. 2009
16+
Years Proven Expertise
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
How a UK Returnee Transferred His Legal & General Pension to India – Tax-Efficiently
Case Study: Bringing Home 18 Years of a Forgotten Pension Client: Mr. Atul | Music Teacher | Delhi Pension Provider: Legal & General (UK) Background Atul spent eight years working in the UK between 1997 and 2005, contributing to a Legal & General workplace pension alongside his employer. When he returned to India in 2005, […]
Transferring a Scottish Widows Pension to India: How Mr. Abhishek Moved £85,000 in 3 Months
Case Study: Acting Early, Growing Smart Scottish Widows | Abhishek, 38 | Senior IT Consultant | Mumbai Most returning professionals put their UK pension on the back burner. Mr. Abhishek didn’t. When this Mumbai-based Senior IT Consultant returned from the UK, he already knew what a QROPS was. He found QROPS Direct online, made the […]
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
- Lifetime allowance form
- APSS 263
- Any other form as per fund manager requirement
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.
