Summary:
The QROPS India List September 2025 provides the latest HMRC-approved recognised overseas pension schemes eligible for UK pension transfers. For Indians moving back from the UK, these schemes offer tax efficiency, compliance, and financial security when consolidating pensions in India.
Check the recognized overseas pension schemes notification list:
The following schemes in the QROPS List India have been conveyed to HMRC that they meet the conditions to be a recognised overseas pension scheme (ROPS).
| ROPS | Country |
|---|---|
| ABSLI Guaranteed Annuity Plus | India |
| Axis Max Life Forever Young Pension Plan | India |
| Axis Max Life Guaranteed Lifetime Income Plan | India |
| Axis Max Life Smart Guaranteed Pension Plan | India |
| Axis Max Life Smart Wealth Annuity Guaranteed Pension Plan | India |
| Bajaj Allianz Life Guaranteed Pension Goal | India |
| Bajaj Allianz Life Saral Pension | India |
| Canara HSBC Oriental Bank of Commerce Life Insurance Secure Bhavishya Plan | India |
| HDFC Life Assured Pension Plan | India |
| HDFC Life Click 2 Retire | India |
| HDFC Life Guaranteed Pension Plan | India |
| HDFC Life New Immediate Annuity Plan | India |
| HDFC Life Pension Guaranteed Plan | India |
| HDFC Life Sanchay Aajeevan Guaranteed Advantage | India |
| HDFC Life Smart Pension Plan | India |
| HDFC Life Smart Pension Plus | India |
| HDFC Life Systematic Pension Plan | India |
| ICICI Pru Easy Retirement | India |
| ICICI Pru Easy Retirement SP | India |
| ICICI Pru Gold Pension Savings | India |
| ICICI Pru Guaranteed Pension Plan | India |
| ICICI Pru Signature Pension | India |
| Kotak Assured Pension Plan | India |
| Kotak Confident Retirement Savings Plan | India |
| Kotak Lifetime Income Plan | India |
| LIC’s Jeevan Akshay — VII | India |
| LIC’s New Jeevan Shanti | India |
| PNB MetLife Immediate Annuity Plan | India |
| SBI Life – Smart Annuity Plus | India |
| TATA AIA Fortune Guarantee Retirement Ready | India |
| Tata AIA Life Insurance Fortune Guarantee Pension | India |
| Tata AIA Life Insurance Saral Pension | India |
| Tata AIA Life Insurance Smart Annuity Plan | India |
The following schemes in the QROPS List India have been conveyed to HMRC that they meet the conditions to be a recognised overseas pension scheme (ROPS).
UK Government Guide on Overseas Pension Schemes Notification List.
Indians who have lived in the UK and are moving back to India can transfer their pensions through QROPS-approved schemes for better tax efficiency and financial security.
FAQs
Q1: What is the QROPS India List 2025?
The QROPS India List 2025 is an HMRC-published register of approved overseas pension schemes in India. These schemes meet UK rules, allowing UK pension holders moving to India to transfer their funds safely, tax-efficiently, and legally without losing benefits.
Q2: Can I transfer any UK pension to schemes on this list?
Yes. If your UK pension is eligible for overseas transfer, it can be moved into one of the HMRC-recognised schemes listed in QROPS India 2025. Transfers are compliant with UK and Indian regulations, ensuring retirement security and tax efficiency.
Q3: Why should I use an HMRC-approved QROPS scheme?
Using an HMRC-approved QROPS ensures compliance with UK tax rules. It helps avoid penalties, secures tax benefits, and allows retirement funds to be managed in India legally. It also ensures transparency, inheritance protection, and flexibility in managing wealth locally.
Q4: How often is the QROPS list updated?
The HMRC updates the QROPS list every two weeks. Pension schemes can be added or removed depending on compliance status. That’s why it’s important to check the latest list before initiating a transfer, ensuring your chosen scheme remains approved.
Q5: Who benefits most from QROPS transfers to India?
UK Indians planning to retire in India benefit most. By moving pensions into HMRC-recognised schemes in India, they gain tax efficiency, simplified wealth planning, inheritance protection, and the comfort of managing retirement funds in their home country.
