Case Study: Bringing Home 18 Years of a Forgotten Pension
Client: Mr. Atul | Music Teacher | Delhi
Pension Provider: Legal & General (UK)
Pension Provider: Legal & General (UK)
Background
Atul spent eight years working in the UK between 1997 and 2005, contributing to a Legal & General workplace pension alongside his employer. When he returned to India in 2005, life moved on and his pension stayed behind, untouched for nearly two decades.
By the time he reached out to QROPS Direct in his early 60s, the fund had grown to approximately ₹1.5 crore. He had found us online and knew exactly what he wanted: get the money back to India, and make it work harder.
By the time he reached out to QROPS Direct in his early 60s, the fund had grown to approximately ₹1.5 crore. He had found us online and knew exactly what he wanted: get the money back to India, and make it work harder.
The Challenge
Atul’s primary concern was straightforward transferring his UK pension to India without unnecessary complexity or delay. Though he was aware of the pension’s existence, the process proved anything but simple. Legal & General requested documents multiple times, each requiring notarisation, which added layers of effort and coordination across two countries.
At 62, Atul also had a clear investment philosophy. With multiple existing income streams, he had no interest in guaranteed or annuity-style products. His priority was growth he wanted his pension capital deployed in a manner that would continue building wealth, not just preserve it.
The Solution
QROPS Direct navigated the documentation requirements, managed communication with Legal & General, and ensured each notarisation round was handled efficiently on Atul’s behalf. The entire transfer from first consultation to funds landing in India was completed in 3.5 months.
The receiving structure was aligned with Atul’s growth-oriented mandate, keeping his capital active rather than locking it into conservative instruments he had no need for.
The Outcome
• ✅ ₹1.5 crore transferred successfully from L&G to India
• ✅ Completed in 3.5 months despite multiple document requests
• ✅ Investment aligned to growth no guaranteed products
• ✅ 18 years of dormant pension now back in the client’s hands
• ✅ Completed in 3.5 months despite multiple document requests
• ✅ Investment aligned to growth no guaranteed products
• ✅ 18 years of dormant pension now back in the client’s hands
In Atul’s Words
“I had a great experience with the team while transferring my UK pension to India. The entire process was handled professionally, with clear communication and timely updates at every stage. They were knowledgeable, efficient, and made what seemed like a complex task feel smooth and hassle-free. I truly appreciate the support and service provided. Highly recommended!”
⭐ Noble and his team is simply fantastic!
— Mr. Atul, Delhi
— Mr. Atul, Delhi