Locations · Pune
Pune has quietly become one of India's favourite places to retire — the climate, the pace, the medical care. If you're winding down a long UK career and settling here, we help you bring your UK pension across into an HMRC-recognised QROPS so your retirement income lives where you do.
QROPS advisor for Pune NRIs · HMRC-recognised schemes · 13+ years · 1500+ NRIs guided
Why Pune
Pune's returning NRIs tend to be later in their careers — which means bigger, more complex pensions and decisions that can't wait.
Many Pune retirees spent 20 or 30 years with UK employers in engineering, the NHS, automotive and manufacturing — sectors that historically ran generous defined-benefit (final-salary) schemes. DB transfers are the most sensitive kind, with guaranteed-value windows and mandatory advice thresholds, and they need genuine specialist handling rather than a generic form-filling service.
Pune's leafy suburbs, cooperative housing societies and strong hospital network draw NRIs who intend to stay for good. When you're drawing an income within a few years rather than decades, currency stability and simple INR access matter far more than they did during your accumulation years.
Being near or at retirement age changes everything: lump-sum options, the shape of your income, and how a transfer interacts with any UK State Pension. We help Pune clients weigh whether transferring now, or later, produces the cleaner outcome for their specific timeline.
How it works in Pune
We start from your target retirement date and income needs, then work backwards to whether and when a transfer makes sense.
We understand CETV guarantee windows, the three-month clock, and the extra scrutiny DB transfers attract from UK providers.
Retirement decisions are rarely made alone. We're happy to walk your spouse or adult children through the plan too.
Funds move straight from the UK ceding scheme to your Indian QROPS. We coordinate; your money never passes through us.
Compliance first
When you're close to taking an income, getting the tax treatment right is not optional.
We transfer only into schemes on HMRC's Recognised Overseas Pension Scheme list. That keeps you clear of the 55% unauthorised-payment charge that can devastate a retirement pot transferred into the wrong arrangement.
Your Indian residency and the timing of your transfer decide whether the 25% Overseas Transfer Charge applies. For larger DB values this is a five- or six-figure question, so we resolve it before anything is submitted.
The UK-India Double Taxation Avoidance Agreement governs where your pension income is taxed once you're drawing it, and FEMA governs how funds are held in India. We give you a plain-English memo so your drawdown years are predictable.
Who this is for in Pune
If you spent years on a UK payroll and you're settling into retirement in Pune, a QROPS transfer can simplify your income and remove currency risk. Share your scheme details and target retirement date — we'll come back with a clear, no-obligation read on eligibility, cost and timing.
Explore more
The six specialist services behind every transfer.
View servicesSee the five-step, HMRC-compliant transfer journey.
See the processBook a no-obligation eligibility conversation.
Contact usFind QROPS guidance for your city across India.
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