UK SIPP and Private Pension After India Move
Keep UK SIPP invested, drawdown from India, QROPS scam avoidance, and Form 67 DTAA on pension income.
The 60-second version
UK State Pension is separate from SIPP. I keep SIPP invested via UK platform, take 25% tax-free lump sum if eligible, and map pension income to India ITR with Form 67.
SIPP is not ISA
Self-Invested Personal Pension (SIPP) stays UK-tax-advantaged until I take benefits — usually from age 55 (rising to 57).
From India I can leave SIPP invested; withdrawals taxed in UK under DTAA Article 17 — India taxes as ROR with Form 67 credit.
QROPS transfer to India is not available — ignore cold-call transfer schemes (FCA scam alert).
State Pension: UK State Pension guide. ISA: ISA tax guide.
UK pension types after India move
| Product | While in India | India tax |
|---|---|---|
| SIPP (uncrystallised) | Stays invested | No tax until withdrawal |
| 25% tax-free lump sum | One-time UK rule | India may tax per CA view |
| Drawdown income | UK withholding may apply | ROR income + Form 67 |
| Workplace defined benefit | Deferred | Tax on receipt |
| ISA | Separate rules | See ISA guide |
SIPP management from India
Provider update
Change correspondence address; keep UK platform access.
Annual statement
Download for Schedule FA (foreign pension asset).
Withdrawal planning
Crystallise only when needed — triggers UK tax event.
Form 67
File with HMRC P60/pension statement for FTC.
Scam check
Reject unsolicited QROPS or liberation offers.
Pension income flow
SIPP record kit
- SIPP annual statement.
- HMRC pension tax paid proof.
- Beneficiary nomination.
- Platform login secured.
- Schedule FA row.
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Lifetime allowance abolished
UK LTA charge removed 2024 — but India tax on large lump sums still applies.
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Transfer SIPP to India?
No QROPS in India — keep UK SIPP.
Tax-free 25% in India?
UK rule does not automatically exempt in India — declare and claim DTAA.
Still contribute to SIPP?
UK tax relief needs UK earnings — usually stop after leaving.
RNOR on pension drawdown?
Foreign pension may be exempt in RNOR years.
Defined contribution vs DB?
DB needs separate actuarial valuation for Schedule FA.
Brexit impact?
Pension rules unchanged for non-UK residents.
Your tax year is already running.
RNOR status, exit timing, and DTAA benefits all depend on decisions you make before you land. Don't guess.