Stellar Fortune has guided 200+ returnee families through HMRC-recognised pension transfers to India — end to end, every form handled, at no fee to you. Founded and personally led by Gaurav Singh for 13 years.
We advise across the entire lifecycle of your UK pension — from the day you decide to move it, to the retirement income it pays, to the legacy it leaves.
Transfer your UK workplace or personal pension into an HMRC-recognised Indian scheme. No 25% overseas transfer charge for India residents transferring to an India-based scheme. We handle every form, chase every provider, and stay on it until funds land.
Explore transfersTake up to 30% tax-free at access under Indian rules, then lock a guaranteed lifetime annuity — around 7% p.a. at current rates — so your principal stays intact instead of draining away in UK-style drawdown.
Plan your incomeDie after 75 with a UK pension, and your family pays UK income tax at their marginal rate — up to 45% — on what they inherit. From 6 April 2027, unused UK pensions also fall within UK inheritance tax at 40%. An Indian pension passes to your nominees free of these UK taxes — and they claim it here, in India, not through a UK call centre.
Protect your familyWhat our pension clients ask us next: mutual funds under our AMFI registration, insurance-backed planning, and cross-border wealth structuring for families with assets in more than one country.
Go beyondIf you worked in the UK, you were building UK State Pension rights through National Insurance. With a minimum of 10 qualifying years you receive a pro-rata pension for life from the UK Government — inflation-protected, paid anywhere in the world. And you can often buy back missed years from India for as little as a few hundred pounds each, at some of the best returns available anywhere in retirement planning.
We locate every UK pension you hold — even forgotten ones — and obtain current statements from your providers.
A suitability assessment across the HMRC-recognised Indian schemes, with side-by-side comparisons of charges, equity limits and performance.
Transfer-out packs, HMRC form APSS263, scam-check questionnaires, certified IDs — we complete it all and manage your UK provider directly.
Typically 3–6 months to completion. We track the transfer until 100% of your fund value is invested in your new Indian plan.
Gaurav returned to India in 2012 after his MBA and career in Sydney — so he has lived the returnee journey his clients are on. Since 2013, Stellar Fortune has specialised exclusively in UK-to-India pension advisory: 200+ families, every major UK provider, every edge case the paperwork can throw at a transfer.
Every engagement is led personally by Gaurav, supported by an IRDAI-certified advisory team.
We are compensated by the receiving Indian scheme, the same way a mutual fund distributor is compensated by a fund house. That means 100% of your UK pension value moves into your new plan — and our advice costs you nothing out of pocket.
Our NI Regularisation service is a separate, fixed-fee administrative engagement, quoted upfront.
Nothing. You pay no fee for a UK pension transfer. We are compensated by the receiving Indian scheme, and 100% of your fund value moves into the new plan — no deductions, penalties or exit charges on an HMRC-recognised transfer.
Transfers to HMRC-recognised schemes (ROPS) are fully legitimate — HMRC publishes the list twice a month, and Indian schemes from insurers like HDFC Life and ICICI Prudential appear on it. Because you are tax-resident in India and the receiving scheme is established in India, the 25% Overseas Transfer Charge does not apply to you.
From age 55, or after 5 years in the plan, whichever is later. You may then take up to 30% as a tax-free lump sum under Indian rules — compared with 25% in the UK, which is in any case taxable in India if you're living here when you take it — and start a guaranteed lifetime annuity with the remainder.
If you die after 75, your beneficiaries pay UK income tax at their marginal rate — up to 45% — on what they draw. From 6 April 2027, unused UK pension funds will additionally fall within UK inheritance tax at 40%. An Indian pension passes to your nominees free of these UK taxes, claimed in India rather than through a UK process.
Typically 3–6 months end to end, driven mostly by your UK provider's processing speed. We complete every document — transfer-out packs, HMRC form APSS263, scam-check questionnaires, certified identity documents — and chase the provider until funds arrive.
Yes — old salary slips, your ex-employer's HR, past statements, or the UK Government's free Pension Tracing Service will locate it. We guide you through tracing at no charge, whether or not you transfer afterwards.
A complimentary review of what you hold, what it's worth, what the April 2027 changes mean for you, and whether transferring makes sense — honestly, including when it doesn't.
Book my complimentary reviewOr WhatsApp / call: +91 97171 36993