UK INDIA · PENSION GUIDANCE
Your UK pension, sorted before you land in India.
Moving your life to India doesn't have to mean losing track of your UK pension. Tell us where things stand, and we'll match you with a regulated adviser who works across both countries — free initial consultation, no obligation.
Independent matching service. Partner advisers are independently regulated — always worth verifying for yourself.
THE PROBLEM
Cross-border pensions raise questions a UK-only adviser won't have answered before.
Eligibility
Not every UK pension can move to an overseas scheme. Defined benefit, defined contribution, and public-sector pensions each follow different rules.
Tax exposure
Where you're tax-resident when you draw your pension changes what you owe, and when — in both the UK and India.
Currency risk
A pension paid in GBP but spent in INR carries exchange-rate risk that's easy to overlook until it costs you.
Two systems, one plan
HMRC and Indian tax law don't always align. Your plan has to satisfy both, not just one.
STAYING CURRENT
QROPS & Indian pension-fund news, as it happens.
Live headlines from public news sources, pulled fresh each time this page loads.
Headlines are pulled automatically from public news sources via Google News and link out to the original publisher. Two Horizons doesn't write, edit, or verify this content — treat it as a starting point for your own reading, not as advice.
THE PROCESS
Four steps, at your pace.
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01
Tell us about your pension
A short form — pension type, rough value, and where you are in the move. About two minutes.
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02
We match you with an adviser
Someone regulated and experienced with UK-India cases specifically, not a generalist learning on your file.
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03
Free initial consultation
No obligation, no cost to you for this first conversation. You'll hear what your actual options are.
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04
You decide
With a clear, personalised picture in hand — not generic guidance copied from a blog post.
SELF-CHECK
Is this worth ten minutes of your time?
If two or more of these sound like you, it probably is.
- You hold a UK workplace or personal pension — DC, DB, or a SIPP.
- You've moved to India, or you're planning to within the next few years.
- You want clarity on your options before you commit to anything.
- You haven't yet spoken to an adviser who understands both UK and Indian rules.
QUESTIONS
Straight answers, no hedging beyond what's true.
Can I transfer my UK pension directly into an Indian pension scheme?
It depends on your specific scheme, and on which overseas schemes currently meet HMRC's recognition requirements — a list that changes over time. Many people end up choosing between leaving the pension in the UK and drawing it while resident in India, or transferring into a recognised overseas scheme in a jurisdiction that qualifies. A regulated adviser will confirm exactly what applies to your pension, rather than a generic answer.
Will I pay UK tax, Indian tax, or both?
This depends on your residency status, the type of pension, and the UK-India double taxation agreement. It's genuinely case-by-case — which is why we won't publish generic figures here. Your matched adviser will walk through your specific position.
Is there a cost to use this service?
No. There's no charge to use this site or to be matched with an adviser. Advisers may charge their own fees for ongoing advice, which they'll disclose to you directly before you commit to anything.
Are the advisers you work with regulated?
Our partner advisers are authorised in the jurisdictions relevant to your case. We'll always tell you exactly who you're being introduced to — and you can independently verify any UK-based adviser on the FCA Register (register.fca.org.uk) before you proceed.
What happens after I submit the form?
We review your answers and match you with a suitable adviser. One of us, or the adviser directly, will get in touch to arrange a free initial conversation — usually within a couple of working days.
FROM THE BLOG
Reading, before you talk to anyone.
Transfers
SIPP vs QROPS: what actually changes when you move to India
The two paths people usually land on, and the questions that decide which one fits.
Read article →Getting started
Five questions to ask before you touch your UK pension
What to have ready before your first conversation with an adviser — and why it's worth the prep.
Read article →WHO WE ARE
We're a matching service, not your adviser — and we want that clear upfront.
Two Horizons is an introduction and lead-generation service. We are not a financial adviser and we do not provide regulated financial or tax advice ourselves. We connect you with independent third-party advisers who are separately regulated in their relevant jurisdiction. Nothing on this site is a recommendation to transfer, consolidate, or otherwise act on any pension — that decision, and the advice behind it, comes from the regulated adviser you're matched with.
Before proceeding with any adviser, we'd encourage you to independently check their regulatory status — for a UK-based adviser, that's the FCA Register. Tax treatment always depends on individual circumstances and can change.
START HERE
A few details, then we take it from here.
Two minutes. No commitment. We'll only use this to match you with the right adviser.