Pension Provider: Aviva (UK)
Background
Rao spent a decade in the UK from 2015 to 2025, building a distinguished career in Information Technology and rising to Senior Vice President level. Throughout his tenure, he contributed to an Aviva workplace pension alongside his employer. When he made the decision to return to India in 2025, he wasted no time his pension was going to follow him home.
The Challenge
Rao wasn’t sitting on the fence. He had a clear conviction: India is in a high-growth phase as one of the world’s fastest-growing major economies, and he wanted his pension capital deployed to capture that opportunity. Leaving £2,00,000 in a UK pension scheme while India’s markets surged was simply not an option.
The transfer process, however, required persistence. Aviva requested documentation multiple times, each round demanding careful coordination. QROPS Direct stepped in to manage every round, ensuring nothing fell through the cracks.
The Solution
Within four months of beginning the process, the full transfer was completed. The funds were structured to reflect Rao’s growth-first philosophy:
• 75% — Flexi Cap Fund (equity growth, diversified across market caps)
• 25% — Debt / Conservative Fund (stability and capital protection)
No specific Indian scheme is referenced at the client’s preference the focus remains on asset allocation strategy.
The Outcome
• ✅ £2,00,000 transferred from Aviva acted immediately upon returning to India
• ✅ Fully invested in Indian markets aligned to his growth conviction
• ✅ Transfer completed in 4 months despite multiple documentation rounds
• ✅ Client age at transfer: 42 capital has decades to compound
Rao’s Words
“QROPS Direct team have been of great help in transferring my pension funds from the UK to India. Special shoutout to Noble for coordinating and sorting out the transfer forms and all other documentation. Definitely recommend their team for any QROPS transfers!”
— Rao, Senior Vice President – IT, Hyderabad
