India → United Kingdom
Pensions accrued in India and United Kingdom are administered separately by each country's providers and registers. We do the identification work in both jurisdictions, the route is different in each, and we use the verified route per country.
Find my pensionsFull refund if we find nothing material.
Every line below is drawn from the verified country dossier. We never fabricate facts; candidate items are gated out of customer-facing copy.
A locked-but-still-growing EPF balance keyed to your UAN, most departed members have no idea it exists, that it is still earning, or that the EPS slice may be forfeit.
Inoperative + 7 unclaimed years → swept to the Senior Citizens Welfare Fund → refundable for 25 years from transfer → then escheats to the Central Government (Finance Act 2015 s.126), the only statutory extinguishment found.
Personal-record access wall: EPFO member portal, activated UAN + Aadhaar Face Authentication (UMANG) + Indian-mobile OTP (steep for departed expats)
A public establishment search exists at EPFO, but it is captcha-gated and built around the Indian-mobile + Aadhaar credential stack. The structural reality is that EPF entitlements are keyed to the UAN, a single lifelong number linking every Indian job, and a departed member who never activated their UAN often does not realise an active, dividend-earning balance is sitting under it.
From abroad: The wall here is credential-shaped, not distance-shaped: UAN activation, Aadhaar Face Authentication and Indian-mobile OTP are the access barriers that bite hardest on departed expats.
IN↔AE (EPF Para-69 + UAE gratuity, both claimable NOW, cleanest conversion story); IN↔UK/SG/CA.
Primary sources: epfindia.gov.in · Finance Act 2015 s.126
Every line below is drawn from the verified country dossier. We never fabricate facts; candidate items are gated out of customer-facing copy.
The April-2026 voluntary-NI regime change: cheap Class 2 from abroad is abolished and a one-time transitional door (old rules, incl. Class-2 payers switching without the 10-year residence test) has its own closing date, confirmed by the Future Pension Centre.
The cheap voluntary-NI window lapses at the transitional door; outside it, only the standard 6-year backdating remains and older years fall away year by year. Workplace pots are preserved (not auto-paid).
Personal-record access wall: Government Gateway (the personal State Pension forecast / NI record)
Companies House and the government's free Pension Tracing Service are both public, PTS returns scheme contact details only, never balances or membership confirmation, and a well-known commercial namesake (pensiontracingservice.com) is not the government service. The genuine difficulty in UK pension lineage is that employers get acquired, schemes get bulk-bought, providers rebrand, and a 1990s payroll deduction can land in a scheme with a name nobody at the original employer would recognise today.
From abroad: Public records and PTS work from anywhere without your credentials; the personal state-pension forecast needs Government Gateway, and HMRC's identity checks can be hard to pass from overseas. The harder problem from abroad isn't the gateway, it's that scheme-name continuity in the UK breaks repeatedly across decades, and reading that history is what the work actually is.
Many bilateral/reciprocal agreements; post-Brexit EU-UK protocol preserves aggregation. Where you retire decides whether your UK State Pension rises each year or freezes at its first payment for life. Australia, Canada and New Zealand freeze it; the USA does not.
Primary sources: gov.uk/find-pension-contact-details · gov.uk (voluntary NI / state pension) · developer.company-information.service.gov.uk
India and United Kingdom pensions are not pooled or auto-consolidated. Each leg is worked on its own: registers searched in India, registers searched in United Kingdom, and contact details surfaced where the dossier supports it. State pensions may be affected by bilateral or reciprocal agreements between the two jurisdictions, each country page records what its dossier establishes; we do not invent treaty effects.
Yes. Our report covers identification work in both India and United Kingdom as separate jurisdictions. Each country's pensions are administered locally; we work each one using the access route published on its country page.
No. Pensions accrued in India stay with India schemes; pensions accrued in United Kingdom stay with United Kingdom schemes. They are administered separately. Bilateral and reciprocal agreements may affect state pension aggregation in some pairs, see each country page for what its dossier records.
An identification-only report covering both jurisdictions: registers searched, any provider matches with contact details, and any registers that require you to check directly using your own credentials. We do not give financial advice, transfer pensions, or estimate values.
Full refund if we find nothing material. Fixed fee, $99 Country Pension Identification Report, $499 Enhanced Pension Identification Report, $799 Global (covers all requested countries).