For UK pension holders living in India, navigating the complex rules around transferring your pension overseas can be overwhelming. Whether you are an NRI, OCI, or UK-resident individual with assets in India, choosing the right approach for your UK pension is essential. This is where QROPS (Qualifying Recognised Overseas Pension Schemes)become a powerful planning tool — but only when used correctly.
At Atwal Financial, we are recognised as India’s most experienced and knowledgeable QROPS advisors, offering specialist, FCA-standard cross-border financial planning for clients across India and the UK. With decades of expertise, a deep understanding of HMRC rules, and a client-first approach, we provide the highest level of QROPS advice in India.
If you’re searching for QROPS advisors in India, QROPS transfer services, or UK pension specialists for NRIs and OCIs, this guide explains everything you need to know — and why Atwal Financial is the trusted leader in this space.
What Is a QROPS?
A QROPS (Qualifying Recognised Overseas Pension Scheme) is an HMRC-approved overseas pension scheme that allows you to transfer your UK pension abroad under specific conditions. For NRIs, OCI card holders, and British expats in India, a QROPS may provide:
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Greater control over pension investments
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Potential tax advantages
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Avoidance of dual taxation
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Rupee-based retirement income
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Simplified succession planning in India
However, because the rules are complex and constantly changing, professional QROPS advice in India is critical to avoid unexpected taxes or compliance issues.
Why NRIs and OCIs Consider QROPS Transfers to India
More NRIs and expats are choosing to consolidate their pensions in India for:
✔ Long-term residency in India
If you plan to retire in India, keeping your pension income in GBP may not be ideal. A QROPS allows you to receive income directly in INR.
✔ Simplified estate and succession planning
UK pensions often follow UK rules for inheritance. A QROPS can give you more flexible succession options in India.
✔ Potential tax optimisation
Depending on your personal circumstances and India–UK tax rules, a QROPS may reduce long-term tax exposure. However, this must be analysed by a qualified cross-border financial advisor.
✔ Wider investment choice
Some QROPS providers offer diversified investment strategies tailored to NRIs and India-based retirees.
QROPS Transfers to India — What You Must Know
India has very limited HMRC-recognised QROPS options. The rules change frequently, and getting it wrong can trigger:
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25%–55% UK tax charges
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Loss of pension protections
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Incorrect currency conversion
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Double taxation
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Locked or inaccessible pension funds
This is why working with an experienced QROPS advisor in India is essential — someone who understands both UK pension law and Indian taxation.
Why Atwal Financial Is India’s #1 QROPS Advisor
Atwal Financial is recognised as the leading cross-border UK–India pension advisory firm, specialising in:
● QROPS advice in India
We provide full suitability assessments and determine whether a QROPS is appropriate for your situation.
● UK pension transfers to India
We handle the complete end-to-end process, liaising with UK providers, HMRC, and Indian institutions.
● Cross-border UK–India financial planning
We uniquely offer full planning across both tax systems — something no traditional UK or India-only adviser can match.
● Advice for NRIs, OCIs, and UK-resident Indians
Whether you live in India or the UK, our specialists guide you through optimal retirement, tax, and succession strategies.
● Transparent, ethical advice
We take pride in offering clear, FCA-level quality advice with 24-hour support and a 5-star service record.
With advisers based in Mumbai, Delhi, Goa, Bangalore, and London, we are the only India-focused advisory firm specialising exclusively in UK pensions.
What Makes Our QROPS Advice Unique?
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UK-qualified pension advisers with decades of HMRC-compliant experience
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In-depth understanding of Indian tax rules, NRI/OCI status, RBI rules, and FEMA guidelines
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Local, in-person service across India
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Full analysis comparing QROPS vs. UK SIPPs vs. annuities vs. leaving the pension in the UK
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A personalised, written recommendation report tailored to your financial and residency profile
This combination makes Atwal Financial the most trusted QROPS advisor in India.
Should You Transfer Your UK Pension to a QROPS in India?
A QROPS may be suitable if:
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You are permanently settled in India
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You want INR-based retirement income
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You have a large UK pension
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You want simplified inheritance and tax planning in India
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You want to consolidate pensions into one structure
However, a QROPS is not always the best option, and you should never transfer without professional advice. In many cases, a UK SIPP with cross-border planning is more beneficial. Our advisers will guide you through the comparison.
Talk to India’s Leading QROPS Specialists
If you are searching for:
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QROPS advice India
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QROPS advisors India
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transfer UK pension to India
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NRI pension transfer
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OCI UK pension planning
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cross-border financial planning UK to India
— Atwal Financial is the trusted expert.
We help you make confident, tax-efficient decisions about your UK pension, whether you are already in India or planning to relocate soon.
Contact Atwal Financial – India’s #1 QROPS Advice Firm
For personalised QROPS guidance or a full pension review, reach out to us at:
📧 contact@atwalfinancial.com • www.atwalfinancial.com
🌍 Serving clients across Goa, Mumbai, Delhi, Bangalore, Pune, Chennai, PAN India, London, and worldwide.