What Our Clients Say...

"Ranjit and I had a discovery call to discuss my options in regard to my move to India. He was very transparent and great at directing me to next steps in achieving this. He was knowledgeable and willing to help, which I am grateful for."

"I've always had good experience with Ranjit, be it pension transfer from UK to India or dealing with cross border KYC issues. Always recommended."

"Having relocated from the UK to India in 2026, I faced the daunting task of transferring my pension without adverse tax implications while staying compliant with government regulations on both sides. A Google search led me to Atwal Financial, and Ranjit was the one who reached out after I submitted my enquiry. I'll be honest — I was initially hesitant to proceed, given how prevalent online fraud has become. However, Ranjit was patient and understanding throughout. He engaged in multiple detailed discussions to address my concerns, and even helped me obtain confirmation from the Indian side to verify I was working with a legitimate and authorised team. That level of transparency immediately built trust. Ranjit is exceptionally knowledgeable in cross-border pension transfers. He took the time to explain every step clearly, broke down complex regulatory requirements into plain language, and provided sound, practical advice tailored to my situation. What impressed me most was the efficiency — from the day I began following his guidance, the entire process was completed in under 30 days, start to finish. His professionalism, responsiveness, and genuine commitment to helping clients navigate what can be a stressful and confusing process truly set him apart. I would highly recommend Ranjit and Atwal Financial to anyone seeking professional, trustworthy, and knowledgeable financial advice — especially for UK-to-India pension transfers."

"Ranjit was super helpful and easy to connect with. Explained everything with ease and made the process of helping me sort a PAN card pre move seamless and stress free. Very grateful!"

"I contacted Atwal Financial for advice regarding the tax implications of my savings in India. Ranjit got in touch the very next day with an introductory email, and we arranged a video call to discuss my situation. During the call, he was extremely knowledgeable, took the time to explain everything clearly, and provided sound, practical advice. I found him to be honest, fair, and genuinely helpful throughout the process. I would highly recommend Atwal Financial to anyone seeking professional and trustworthy financial advice."

"Ranjit got my UK pension transferred to India. He is extremely knowledgeable about the subject, is able to grasp the nuances of complex financial issues and deal with them so effortlessly. He demonstrated analytical skills, attention to detail, and calm, confident approach during the entire process. I really appreciate his support and contribution in completing this transaction."

"Super helpful and prompt. Ranjit is very experienced in India and UK banking laws. I would highly recommend his business to any NRI in the UK looking for guidance to manage their funds and accounts in both India and the UK."

"I reached out to Ranjit Atwal regarding a problem with India UK tax implications and he always replied promptly and with great efficiency. He was very quick to understand my problem and gave very straightforward answers explaining the entire situation to me. And the best part was honesty, where he told me what I need to do and didn't charge any money from me. It is very difficult to get such people these days. Thank you so much!"

"360° UK-India Financial Review — I found Ranjit to be highly specialised and dependable, particularly in navigating complex UK-India cross-border financial matters. He consistently demonstrated professionalism, transparency, and integrity in his advice, ensuring clarity in decision-making. His responsiveness and client-centric approach stood out, as he addressed queries promptly and effectively. Overall, his personalised and structured guidance significantly enhanced my confidence in managing financial decisions and I highly recommend using Atwal Financial."

"I have had a great experience with Atwal Financial for the process for transferring UK pension to India. They are very prompt to respond for each and every query we ask and i did not face any issue for my transfer request, it was quick and easy, all thanks to Atwal Financial !! :)"

"Honest and knowledgeable. I recently had an introductory call with Mr. Ranjit to explore the complexities of Indian taxation and the remittance of funds to the UK. I was thoroughly impressed by his depth of knowledge and professionalism. What stood out most was his refreshing honesty and candor; he clearly outlined exactly where his expertise would add the most value and openly advised when I might be better served by a local accountant. He even went out of his way to offer his own network of accountant contacts to assist me. Mr. Ranjit has a highly evident command of cross-border financial jurisdictions, and I will definitely be engaging him for future financial advice. Highly recommended for anyone navigating UK-India financial matters."

"Ranjit has been perfect answer to anyone who cares about cross border personal finance and want to be ready for all scenarios. His firm fills in the gap in market place for today's professionals who has bases globally. His understanding of the options available to us in India and Uk is impeccable. In my case, I asked him to play various complex scenarios across UK (home), India (future home) and possibly Hk being interim one given the the changes on the job front. He patiently heard, understood the possibilities and later shared with me the probable scenarios. When everything was up in the air, his three reports were helping me to be on top of things and remain calm while dealing with the challenges on work front. I would be grateful to him always for being professional but not curt, giving honest picture but with empathy, showing problem but also probable step by step solutions!! Basically he knows the stuff inside out and that confidence is infectious to say the least !!! I can sleep well after the turbulence of last month thanks to ranjit and team. Highly recommended to any NRI not just in uk :)"

"I had an introductory call with Mr Ranjit to share my current financial position and regarding a potential investment opportunity in India I was looking at. It was a pleasure to talk to him. He even offered to look at the investment documents to give some feedback. I really appreciate the help and will surely turn to him for any future financial services I might need."

"I had a discovery call with Ranjit regarding my finances, gains made in Indian investment in India. As a UK tax payer I had lot of queries HMRC payment. He promptly made an appointment the very next day. Throughout the call he patiently heard all my queries and answered them. He gave few suggestions for managing the finances in India. He is very thorough with his knowledge in the subject and offers to help. I am yet to explore his entire financial expertise, however in the short conversation I was pretty happy with explanations. I will definitely recommend people with UK and India finance to Ranjit. Thanks."

"After 7 years in UK we are moving back to India and I connected with Ranjit as got his reference from FB ...and he was too good with his knowledge on UK rules and regulations. Good Communication and provided all answers to my queries. I had recently connected few people but they were very slow , need to do regular follow ups but Ranjit was totally a different person. He quickly responded to my message, we got on a call immediately after 30 mins shared my requirements and we closed our discussions in 20 mins. Simple , to the point , clear and right suggestion. I would strongly recommend Ranjit and his team to all my friends and colleagues."

"Exceptional Support for UK Pension Transfer — Working with Ranjit on my UK pension transfer was an outstanding experience. From our very first interaction, he was incredibly prompt, responsive, and professional. He provided complete clarity on the entire process, including realistic timelines, which completely took the stress out of what could have been a complex transition. Ranjit made the whole journey truly hassle-free. I highly recommend his services and have already referred several colleagues to him for their own pension transfers."

"Very happy with the service received. Ranjit was prompt in responding to my queries and getting meetings set up at a time that suited me. I was relieved to find someone who could give solid trustworthy financial advice for situations between UK and India. I will be recommending Atwal Financial to others as well."

"Ranjit was extremely helpful with pragmatic advice on an EPF query I had. He is clearly knowledgeable in this area and his suggestions were tailored to what was best for me."

"Solid support for transactions in India - Open, down to earth advice from knowledgeable base. Ranjit took time to understand my requirements and was able to introduce me to the right person. Up front clear costings. Would not hesitate to recommend. Tasks in India can be daunting but Ranjit was there to guide me through."

"Originally from the UK and in India for 20 years, Ranjit was able to give great guidance on how to approach issues around my UK pension contributions. Obtaining up to date information and resources and offering multiple different avenues depending on the outcomes. He was pro-active, quick to respond, knowledgeable astute in understanding the different options I had to consider for my long term future financial planning. He is also extremely personable, which is a great help."

"I would like to share my experience working with Ranjit. I'm Harish Deshmukh, and I reached out to him regarding the transfer of my UK pension (QROPS) to India after a recommendation from a former colleague. From our very first interaction, Ranjit was highly responsive, professional, and made what initially seemed like a complex process feel straightforward and manageable. He handled the entire transfer efficiently and ensured everything was completed smoothly, without any stress. I have already recommended him to a few friends and would be happy to endorse his services to anyone looking for similar assistance."

"Atwal Financial have been outstanding to work with. Their guidance was structured, easy to understand, and every step was followed through with care and accuracy. Ranjit brings remarkable expertise in QROPS and pension planning. He takes the time to understand your risk comfort and return expectations, offering a clear and reliable overview so you can make decisions with confidence."

"Ranjit Atwal offered thoughtful guidance on tax and investment planning during my move from the UK to India, helping me better understand my financial options. Thank you Ranjit."

"I am from India, and currently based in the UK. I had a lot of questions with regards to UK and India taxation laws related to foreign remittance, investments, and tax filing. Through Google and other references I found Ranjit and a few other firms who I reached out to with a summary of my requirements. Ranjit was very quick to respond, despite him travelling at the time. He patiently understood my requirements and gave me sound advice. He always kept me in the loop with regards to timelines, and next steps. Even for queries that Ranjit did not have expertise on himself, he reached out to his network and helped provide clarity. I really enjoyed our engagement together and I will definitely reach out to Ranjit again in the near future."

"I worked as an IT Operator in a warehouse in the UK for 2 years and had a pension contributed during that time. I was struggling to transfer my pension from the UK to India, but Ranjit Atwal made the entire process smooth and stress-free. He clearly knows what he's doing and completed everything in less than a month. I highly recommend Atwal Services for anyone looking for a quick and hassle-free pension transfer experience."

"Thanks, Ranjit. I wanted to share my experience working with you. I'm Sandeep Mishra and reached out to Ranjit regarding my UK pension (QROPS) transfer to India. I previously worked in the UK and a former colleague recommended Ranjit to me. From our first conversation, he was responsive, professional, and made what seemed like a complicated process feel simple. The entire transfer was handled efficiently and without any stress. I've already shared his details with a few friends and would happily recommend him to others."

"Hi Ranjit, I would like to take this opportunity and Thank you for your outstanding service. I truly appreciate your professionalism, efficiency, and attention to detail. Your support made the entire process smooth and hassle-free. Initially I thought the entire process would take more than 2 months but it got completed in less than 15 days. Your in depth knowledge about the overseas fund transfer process is impeccable. Thanks a lot. Much appreciated!!"

"I have known Ranjit now for about 8+ years as an Independent Financial Advisor, especially for people who have relocated from the UK. I had first met him through a fellow colleague who had done a similar move like me and Ranjit was helping him out managing his QROPs pension. The clarity, knowledge and hardwork that Ranjit puts in his work, makes you put your trust in him. After managing my QROPS for a no of years, he suggested the time had come to relocate the pensions to India, for both me and my wife. Whilst my wife's went smoothly, mine became a lesson in history. If it was not for Ranjit's consistency and due diligence, my QROPS would never have made it back. It was a Herculean task that eventually materialised, all thanks to him. I trust Ranjit in matters of all my finances and he is a godsend financial gatekeeper for people like us, who are too busy and foolish to look after their own money. Thanks Ranjit"

"Hi I am Gargi - I contacted Ranjit for my QROPS pension transfer from UK to India, he was referred by a coworker. Ranjit has been quite proactive and quick to respond throughout the process. I worked in the UK for about 4.5 years And had to leave UK for family reasons. Ranjit has helped me to get the transfer done very smoothly. I have already recommended him to some of my friends and would also recommend him to family."

"I contacted Atwal Financial with some questions about NRI payment compliances between the UK and India, regarding sponsorship, and Ranjit was very helpful. He answered all my queries clearly over the phone and didn't charge anything for the call. I really appreciated how quick and professional he was. If you're an NRI looking for guidance on sponsorship or other financial matters, I would definitely recommend reaching out to them. The service was honest, straightforward, and efficient."

"My name is Elle C and I 'met' Ranjit in a Facebook Group, Expats in India. I'm an entrepreneur (American) and was having some confusion navigating how to extend and secure another business visa to stay in India another year. Ranjit was super helpful, a great service! He broke it down to simple instructions which allowed me to reach my goal and I'm back! I look forward to calling on the company again. The peace of mind I received was priceless!"

"Ranjit at Atwal Financial has been a tremendous support in helping me navigate the complexities of managing overseas asset holdings and understanding the associated cross-border tax treatments. From the very beginning, he was incredibly responsive and approachable, taking the time to listen carefully and tailor his advice to my specific circumstances. What truly stood out was his genuine friendliness and the way he consistently put my interests first, ensuring that I felt informed, supported, and confident in the decisions being made. His insights were clear, practical, and always delivered with a personal touch that made the entire experience smooth and stress-free."

"I am an IT professional. I needed to transfer my UK pension to India post my stint in the UK. Ranjit was well aware of the process and he asked me to clarify few things with my pension provider before I leave the UK. Post my return to India he was quick to initiate the transfer and guided me with the documents to be supplied to the UK pension provider. He was proactive and responsive throughout the process. Owing to Ranjit's approach, it was a very smooth process and the transfer was completed in little over one month. It was good experience working with Ranjit."

"We asked Atwal Financial (Ranjit) back in 2019 when setting up Kanadoo LLP India to help with our compliance requirements. We found them to be professional, reliable and efficient. We recently then re-invited Ranjit once again to help and become a Partner in our firm and look forward to working with him again."

"I contacted Ranjit from Atwal Financial for my QROPS pension transfer from UK to India, after researching through several pension advisers. Ranjit has been quite proactive and quick to respond throughout the process. His experience and knowledge of the industry is impressive. I worked in the UK for close to two decades in the IT and Finance sector. And now I had to leave UK to pursue spiritual goals by living as a monk in Asia. Ranjit has very well understood my unique situation and organised things properly to fulfill my wish of utilising the pension for charitable purposes. I have already recommended him to some of my friends and would also recommend him here to others."

"I am Dr Chirag Parikh, British trained surgeon practicing in India; have QROPS account with Sovereign group Malta. Few months back they asked me to change investment adviser as my current one was not licence holder and not eligible. So I approached Mr Atwal and they completed procedure smoothly without much disturbing my routine practice of Surgery. Thanks to Mr Ranjit....I recommend him for such services."

"I've had the pleasure of working with Financial Advisor Ranjit for nearly 5 months, and I must say that his professionalism and work ethic have been truly impressive. One of Ranjit's greatest strengths is his proactive approach and responsiveness. He consistently responds to emails promptly, often within hours, and always keeps me informed about the progress of our work together. Ranjit has also demonstrated a keen ability to manage his time effectively, always meeting deadlines and delivering high-quality work. While we've only just begun our investment journey together and the results are yet to come, I have no hesitation in recommending Ranjit based on his exceptional communication skills, reliability, and dedication to his clients. I look forward to seeing the long-term benefits of his expert advice and guidance."

"I have worked with Ranjit of Atwal Financial for the last couple of years, he has helped me with my financial planning in the UK and India. He has advised me on my tax planning in both jurisdictions and helped maximizing my investments and UK pensions. If you need any further details about my experience with Atwal Financial or need confirmation of their credibility, I would be happy to chat."

"I contacted Atwal Financial for advice concerning my family's ancestoral land in India. As I am based in the UK it was difficult for me to engage directly with various service providers in India. Atwal Financial helped by representing me in India and they engaged with land agents, accountants, lawyers and even the banks there. Their team also guided me on UK & Indian taxation, the best way to move money cross-border all the while making sure I stayed compliant by completing all the right documentation. Their levels of service is impossible to find in India. I can recommend Atwal Financial without doubt to help you also."

"Ranjit helped and advised me with 2 UK pension transfers to India. His experience and proactiveness helped me navigate through a few tricky situations avoiding delays and was able to achieve great transfer timelines. He is focused on achieving the best for the client. His relationships with Indian funds and the fact that he is a licensed practitioner is a bonus that cuts through a lot of red tape. I can be contacted for references if needed. I can recommend Ranjit unequivocally."

"I contacted my pension trustee to find out if there are any advisers in India that I could appoint to manage my UK Pension in Malta and I was recommended Sapna of Atwal Financial which then led me to work with her colleague, Ranjit Atwal. He travelled to Bangalore to meet with me in person and his commitment was clear to see. He has been professional, patient and supportive while dealing with my financial planning and has shown a high level of detail and I have no hesitation in recommending Ranjit of Atwal Financial."

"I would like to thank Ranjit for his work in analysing my UK pension and providing me with all valid options resulting in me transferring my UK pension to avoid significant fees which were eroding the value of my pension pot. Momentum Pensions certainly dragged their feet and after many months, Ranjit continued to the end to get it done. I have no hesitation in recommending Ranjit to anyone who has a UK pension. I can be contacted if I need to emphasise my recommendation of Ranjit's services."

"I can vouch for Ranjit's persistent professionalism in getting my UK pension transferred to India. It is not an easy process and it took about 6 months to complete. However, if it was not for Ranjit's ability and experience in managing and handling the entire process, I would not have achieved the better outcome I have today in terms of pension income (higher amount) and overall benefits. I am more than happy to recommend Ranjit who visited me personally in Gurugram / New Delhi to guide me through what needed to be done, I can be contacted for reference purposes, you can ask for my contact number so I can share my experience with anyone looking for UK pension advice."

"I have worked with Atwal Financial since 2008 when I was resident of Tokyo. They helped me to organise my financial planning and have since then continued to manage my savings and investments. I am happy to write this testimonial and now as a resident of the UK, I have always received regular updates and Ranjit has helped with my UK tax planning as well. Their commitment to client servicing and being there consistently to answer questions, means I am very happy to vouch for them as a point of reference for their continued support 24x7."

"I used Ranjit's services for transferring my UK BBC pension fund to India under QROPS and found him to be very helpful and knowledgeable. He was upfront about everything, and knows how the rather complicated and quite often frustrating system works. I didn't have to chase him, in fact, it was the other way round. I have no hesitation in recommending his services."

"Mr. Ranjit Atwal has provided excellent professional advice and sterling service during much of the year, and has resolved difficulties that I had thought insurmountable. He has been unfailingly courteous, patient, trustworthy and effective when dealing with my financial requirements and the relevant parties in India and abroad. I am glad to have this opportunity to recommend Ranjit's services unreservedly. I have met no better problem-solver who works very hard in his clients' interests. With his advice, he provided the best outcome for my overseas pension with a higher annuity or income for life here in India."

"I contacted Ranjit Atwal seeking help with transfer of my Pension Entitlement under QROPS to India. Having understood my circumstances and requirements, Ranjit managed the entire process seamlessly. He acted on my behalf, arranged all documents required by the UK pension fund and completed the transfer successfully. This included identifying a very good advisor in the UK, as required by HMRC and FCA. I realise it's a complex process which but for Mr. Atwal's perseverance and constant focused follow up and effort would not have been possible. He was a classic example of a person with focus, attention and aggressiveness, when needed. After discussing various options with Ranjit, it was decided that transferring to an immediate life annuity in India would almost triple my monthly income compared to leaving it in the UK. Also, the life protection element for my family is now greater than leaving it with UK scheme. I would have no hesitation in recommending him for anyone looking for help with a UK pension assessment or transfer. He's extremely affable and professional in his service and singleminded in making the client comfortable all through the process."

"I have known Ranjit Atwal as a financial advisor for long while I was in Japan. He remains in touch with me with his offerings and advises even after I moved to Singapore 5yrs back. He is a true professional, which makes him client focused. Ranjit is diligent in his regular follow-ups and continues to provide services on my old accounts."

"I have known and used Ranjit Atwal as a financial advisor for almost 20 years. I have found his services to be professional, efficient and reliable across a number of product areas including life assurance as well as saving for retirement. Ranjit is diligent to do regular follow-ups with me to check if I have new needs or changing circumstances. I continue to use Atwal Financial Services today as one of my key methods to receive financial guidance."

"It is with great pleasure that we endorse Atwal Financial for all the work they have done in connection with the incorporation and compliance of our new company Kanadoo LLP in India. As I am based in Spain it was important we partnered with a service provider that has a clear line of communication with client servicing standards that we expect. We look forward to our agreed on-going partnership."

"Ranjit has assisted me with my finances for many years, initially helping me extricate myself from a previously purchased plan that had proven highly disadvantageous. He set everything up to be as simple as possible to manage, and he was attentive to my accounts whenever conditions warranted. On top of being a good advisor, he is a friendly and entertaining guy and is always nice to hear from. I recommend him without reservation."

"I switched my financial planning arrangements to Ranjit of Atwal Financial as my previous advisers had shown little attention to my requirements and providing any on-going servicing. Further, my previous advisers (yes, they changed regularly) and his company had shown a complete lack of due care in setting up my plans to suit my needs and thus were not in my best interests. After working with Ranjit, he has continuously and regularly provided me with excellent service, contemporary and relevant advice and has worked tirelessly to rectify the errors of my previous adviser. I have no hesitation in recommending Ranjit and Atwal Financial. It's just plain nice and comforting to have the same adviser, get a longer relationship, create a history, and not start from scratch each time. And when the advice then generates noticeable financial benefits, what more could you ask for?"

"3 years after my QROPS portfolio had been set up I had become totally disillusioned with the service being given by my financial advisor - fortunately my Trustee suggested I contact Atwal Financial which I'm glad we did! Ranjit has managed to find a solution to turn the portfolio round from miserably failing to meet its objectives, losing 5% per year and costing tens of thousands of pounds in high management fees to a forward looking lean picture of decent yields and capital growth - we've been working closely together now for 3 months and would strongly recommend anyone to see what he may be able to help you with."

"Ranjit Atwal & Atwal Financial has provided me with a high level of servicing in relation to my investments and has efficiently handled all of my requirements over a number of years."

"Since first meeting Ranjit in 2007 back Tokyo, he has continued to provide me with sound financial advice and has helped me grow my savings portfolio with regular contact and updates. Ranjit has the ability to take what seems complicated and make it easy to comprehend so that I can make the best decision for my investment needs. I would have no problem in recommending Ranjit to my friends and colleagues as I know they will be in safe hands."

"I have known Ranjit for more than 15 years. Ranjit has been providing cost efficient financial advice and helped to construct a well balanced portfolio for me to achieve superior risk return profile. After the maturity of my previous policy in 2018, Ranjit has followed up and advised switching over to a more efficient platform with a broader access of wholesale funds which I wouldn't otherwise have known about. I will not hesitate to recommend Ranjit for investment advice."

"I have used Atwal Financial as my advisers since 2002 when I was working and living in Tokyo for 18 years as General Manager of the world famous Tokyo Sports Cafe. I have since relocated back to the UK and still receive great service from Ranjit who regularly helps and advises me."

"Atwal Financial has been instrumental in setting up RST Clinics Ltd in India (www.rstclinics.com) and we have secured an on-going relationship to provide business strategy and to fulfill our company administration requirements. Their service is hands-on and personalised, everything we need to focus on our strengths in relation to our business."

"I have worked with Atwal Financial since the early 2000's and Ranjit has worked diligently to report on all matters relating to my financial planning and I have no hesitation to recommend him."

"I have worked with Ranjit for more than 15 years and have found him to be reliable and knowledgeable about financial planning. He has always provided me with the information I have needed and I have no hesitation in recommending him and Atwal Financial."

"I have been working with Ranjit of Atwal Financial for many years... since 2005 when I was at Morgan Stanley Japan. In our first few meetings he has established the trust... & I have always truly relied on him for his (investment) recommendations. He is professional & efficient... always keeps me updated on my financial plans. His India Desk has also offered valuable remote assistance with me dealings in India since I have been US based. I would be happy to recommend him to anyone looking for a financial adviser."

"I have used Atwal Financial as my advisers since the early 2000's when I was working and living in Tokyo as an Executive Director with Morgan Stanley and still continue to do now that I am in the UK."

"The India Desk of Atwal Financial advised me about the requirements for a cross-border telegraphic transfer from India to the UK. As I am based in Oslo, it was vitally important that I appointed someone who is knowledgeable in the nuances of NRE and NRO accounts, which belong to my parents. Also relevant was taxation and the different rules depending on the involved parties tax jurisdictions. I appointed The India Desk for remote assistance and they meticulously guided me through the transfer forms as well as collecting all relevant documentation to make the process hassle-free, which was reassuring as I am in Oslo. I have no hesitation in offering this recommendation."

"I have found Atwal Financial to provide an efficient, professional and reliable service. After 4 years receiving their advice and financial guidance I would not hesitate to recommend their services."

"I am pleased to recommend Rajiv (Financial Strategist) and the services of Atwal Financial's The India Desk. They have put together a hard working, lean and efficient portfolio of funds within my QROPS Trust. My previous adviser had little knowledge about how to handle my overseas pension and I was bounced from one adviser to the next. I am pleased, therefore, that I am now working with advisers who are knowledgeable, experienced and consistent."

"I would like to recommend Ranjit Atwal & Rajiv Inamdar of Atwal Financial's The India Desk who I started working with 18 months ago, they have helped me with growing my overseas pension as well as other cross-border financial planning issues. They have proven to be professional and knowledgeable with matters related to the UK as well as reliable."

"I am quite happy working with Ranjit Atwal & Rajiv Inamdar of Atwal Financial's The India Desk, finally I can rely on these advisers to manage my QROPS UK pension transfers. I have no reason not to recommend them to help you."

"I am happy to refer Ranjit Atwal & Rajiv Inamdar of Atwal Financial's The India Desk. They have turned around the performance of my QROPS UK pension by reshuffling the funds with a focus on performance which has led to excellent results. They provide me with quarterly updates and have proven to be very professional and focused."

"The India Desk act as my advisers for cross-border financial planning and the management of my overseas QROPS Pension arrangements. They have proven to be professional and effective in the services they offer."

"I am very pleased to recommend Ranjit Atwal as a great financial advisor. Ranjit came to me during my 4 years of living in New Delhi and got me into thoughts of managing my finances for the future. He is extremely knowledgeable and punctual person and I am very happy to continue trusting him even now from the USA. Thank you Ranjit for all your professional work. Keep it up!"

"This is from my parents who don't have Facebook: Ranjit Atwal at the India Desk has been extremely knowledgeable and helpful. We can highly recommend him, particularly to any UK expats looking for good financial advice."

"When my previous consultant, a reputed 'big player' in the financial services market, totally screwed up and turned out to be not the least interested in my concerns, I came to know about Ranjit and requested him to help restructure my portfolio. He did so with great professionalism and expertise and without gaining anything out of the situation. I highly appreciate his help and ongoing consultancy, and I can highly recommend anybody to work with him. Continue your good work, Ranjit."

"I hereby recommend Ranjit Atwal as personal financial consultant. Ranjit contacted me when I was working as the MD for Volvo Cars in India in November 2014. Ranjit came to visit me in my office and within 2 days, Ranjit had very clearly outlined my financial situation at the time and how it would look like in the coming years. Ranjit has assisted me in understanding the importance of long term financial planning. He is a very honest and always has the customer first interest in hand. Since I have started my long term plan with Ranjit he has constantly come back to me informing me of how my plan is progressing and giving advice of how best to proceed. Future financial planning is a must and Ranjit is the person who can assist you with your personal planning."