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Royal London · QROPS Transfer for NRIs
Transfer Your Royal London UK Pension to an Indian QROPS without the guesswork.
Royal London is the UK's largest mutual life, pensions and investment company — meaning it's owned by its members and policyholders rather than by shareholders. If you built up a workplace or personal pension with Royal London during your UK years and have now settled, or are settling, in India, we handle the entire move into an HMRC-recognised QROPS — compliant, tax-aware, and settled directly between providers.
India's Best QROPS Specialist · HMRC-recognised QROPS · 13+ years · 1500+ NRIs guided
Your Royal London Pension
What kind of Royal London pension are you likely holding?
As a mutual, Royal London built its pensions business around member value rather than shareholder returns — and most NRIs we speak to hold one of two common product types.
The most common is a workplace pension, set up by an employer as a group personal pension or auto-enrolment scheme, with contributions invested across Royal London's fund range. A meaningful number of NRIs also hold a personal pension arranged directly with Royal London, often because a financial adviser recommended their fund range on its own merits rather than through an employer link. Because Royal London operates as a mutual, some older policies also carry with-profits elements, which can affect how the transfer value is calculated.
Whichever type you hold, the starting point is the same: request a current cash-equivalent transfer value from Royal London and confirm whether any with-profits bonus structure applies. We handle that request and the follow-up paperwork so you're not chasing figures across time zones.
Transfer Considerations
What matters most when moving a Royal London pension
The rules that govern this transfer come from HMRC, not Royal London — so getting the compliance side right protects you, whichever provider you're moving from.
ROPS verification first
Before Royal London releases a single rupee, we confirm your receiving scheme is on HMRC's recognised overseas pension scheme list.
Avoiding the 55% penalty
Transferring to an unrecognised scheme can trigger an unauthorised payment charge of up to 55% of the transfer value — a risk we eliminate upfront.
HMRC-compliant paperwork
Discharge forms, ID verification and provider declarations are all prepared to be accepted by Royal London the first time.
Explore More
Related pages & other providers
The transfer process
A step-by-step look at how your money moves. See the process →
Talk to us
Start your Royal London QROPS assessment today. Contact us →
Other providers
Also handling transfers from Legal & General, Aviva and more. All providers →
Start with a Free Assessment
Ten minutes is all it takes to know where your Royal London pension stands.
Tell us about your Royal London scheme and where you're settling. We'll come back with a clear, no-obligation read on whether a QROPS transfer is right for you, what it would cost, and how long it would take.