Begin with the benefit type
Defined contribution pensions hold invested assets whose value changes. Defined benefit pensions promise benefits under scheme rules and may include inflation and survivor protections. Neither category creates an India receiving route.
Defined contribution questions
- What investments, guarantees, exit terms and provider protections apply?
- Does an exact proposed receiving scheme satisfy statutory tests and appear on the live notification list?
- What tax, charge, currency and suitability consequences apply?
Defined benefit questions
A DB transfer gives up promised benefits for a transfer value. Where safeguarded benefits exceed £30,000, appropriate regulated advice is generally required before a transfer can proceed. Provider evidence and current legal advice should confirm the exact requirement.
Current India position
The GOV.UK ROPS notification list published 15 September 2026 includes Indian schemes (checked 26 September 2026). The receiving scheme determines how funds are held, invested and paid out.
Making an informed comparison
Compare retaining the UK pension with any real overseas proposal across guarantees, fees, investment risk, protections, currency, tax, transfer charges and estate objectives. A DC transfer is not automatically straightforward or suitable, and a DB transfer requires particular caution.
