Benefits of QROPS
Your Pension Grows in the World’s Fastest Growing Economy
India’s GDP growth and equity market returns consistently outpace the UK. Your transferred pension benefits from this growth working harder for you here than in a low-growth UK environment.
Access as per applicable pension rules
Currently, many pension benefits may be accessible from age 55, subject to scheme rules and HMRC conditions. Please note that the UK normal minimum pension age is scheduled to increase to 57 from 6 April 2028.
Higher Annuity Rates in India
Annuity rates in India are significantly higher than those currently available in the UK meaning your pension generates more income in retirement, in the country where you actually live.
Full Pension for Your Spouse. Capital Returned to Your Children
Your spouse receives full pension continuity. On death, your children or nominated beneficiaries receive the capital.
Potential estate-planning and beneficiary advantages
Depending on your residency, scheme structure and personal circumstances, transferring to an Indian QROPS may help simplify beneficiary planning and reduce exposure to certain UK pension tax complications. This should be assessed case by case before transfer.
Transferred through HMRC-recognised QROPS schemes
Every transfer is executed under the strict regulatory framework of HMRC UK ensuring complete compliance and legal certainty at every stage.
India grows. Your pension should too.
