Classify the pension
Identify benefit type, guarantees, protected rights, current value and the ceding provider's rules.
QROPS Transfer Process
Five checks for assessing a possible overseas pension transfer.
This educational framework covers benefit classification, statutory and live-list checks, tax, charges, suitability and provider requirements. The GOV.UK ROPS notification list published 15 September 2026 includes Indian schemes (checked 26 September 2026).
supported by a current GOV.UK ROPS notification-list entry · overseas receiving scheme with a current GOV.UK ROPS notification-list entry · Provider-to-provider settlement
See the choices before the paperwork.
In 58 seconds, Mir Kazim Ali introduces UK and Irish pension options and the checks that come before any transfer decision.
Open the full explainer and transcriptRead the transcriptSound is off. Captions are included.
The Five Checks
Classification → statutory status → tax and charges → suitability → provider requirements.
These are assessment stages, not a promise that a receiving route exists or that a transfer will complete.
Test status separately
Apply the statutory QROPS tests and check the exact legal scheme name on the live GOV.UK notification list. Publication is not approval or verification.
Review tax and charges
Assess potential transfer charges, unauthorised-payment rules and cross-border tax treatment against the actual facts; no outcome is guaranteed.
Compare suitability
Compare keeping the UK pension with any genuine overseas option, including guarantees, fees, protections, investments and advice requirements.
Confirm provider requirements
Only if an eligible and suitable option exists, obtain written acceptance criteria, documents and timing from both providers. No completion period is promised.
What We'll Need From You
The full QROPS document checklist.
Most clients have most of this on hand. Whatever's missing, we help you trace.
UK pension statement
Most recent annual statement from each ceding provider.
Photo ID
Passport (preferred) or government-issued photo identification.
Proof of address
Recent utility bill, bank statement or government correspondence.
Residency proof (where relevant)
For NRIs settled in India — PAN, Aadhaar or equivalent.
UK NI number
National Insurance number, if you can locate it. We can help if not.
Beneficiary details
Names and DOBs for whoever you'd nominate on the new scheme.
Ready to begin?
Step 1 is a free, no-obligation eligibility check.
Tell us about your UK pension — even just the provider name and approximate value. We'll come back within one working day with a clear next step.