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HOME  CONTRACTING COUNTRIES  /  German Pension Insurance Claim | India

German Pension Refund Eligibility |India

The information below is for Indian citizens who previously worked in Germany and contributed to the German pension system.


Germany - India German Pension Refund | All Rights Reserved

German Pension Refund Eligibility for Indian Citizens

How to get a German Pension Refund online  | Germany Pension Refund | All Rights Reserved

As an Indian Expat, while you were employed in Germany, each month a percentage of your gross salary was paid to the Deutsche Rentenversicherung - the statutory German Pension Insurance - as a pension insurance contribution for your retirement pension.


But what happens to your contributions now, after you have left Germany? Can you get that money back?

The German Social Code (§210 SGB VI) regulates the reimbursement of pension contributions from the German Pension Insurance in general, while the Agreement between the Federal Republic of Germany and the Republic of India on Social Security defines how this law applies to you.

Rule of Thumb For Indians:

As an Indian you can be reimbursed only if you have worked in Germany for less than 5 years and since your last contribution in Germany 24 months have passed.

Can Indian Citizens Claim a Refund of their German Pension Contributions?


After leaving Germany you are generally eligible for a German pension refund, if...

a) you are not allowed to keep paying German Pension contributions (voluntary insurance) where you currently live, and... 

b) at least 24 months have passed since the last pension contribution payment in Germany.

If you are allowed to pay voluntary insurance (a), is defined by the agreement with your home country.


Office building Rentenversicherung, Berlin  | The German statutory pension insurance | All Rights Reserved

Are Indian Citizens Allowed to Pay Pension Insurance Contributions After Leaving Germany?

The Social Security Agreement* between Germany and India answers that question: 

If you still live in the European Union you are allowed to keep paying pension contributions to Germany. 

Also, if you have already paid contributions for at least 60 months you are allowed to keep paying German Pension Contributions from anywhere in the world where you live. In that case you cannot get a refund, because you have qualified for old age pension from Germany.

In other words:

As an Indian citizen, you can only get a pension refund if you have not qualified for retirement pension yet, and you live in a non-EU country. 

*Read Agreement between Germany and India on Social Security.

Social Security Agreement:


Based on the Social Security Agreement between Germany and India you are allowed to grow your German pension from anywhere in the world (voluntary insurance) after leaving Germany if you have qualified for old age pension.

As a Indian Expat in Germany, after 60 monthly contributions you qualify for a retirement pension.

If you have not qualified, but still live in the EU or UK you are allowed to pay towards the 60 months to qualify, too.

If you have not qualified for pension, and you live outside the EU or UK you could be eligible for a pension refund, 24 months after the last contribution was paid.

​How Long Does a German Pension Refund for Indian Citizens Take?

The German pension authority is supposed to provide a decision on your claim within 6 months from submission.

If after 6 months you have not received a decision (Bescheid) from the authorities in Germany, our specialists will take legal action based on the Social Court Act (§88 SGG) and sue the authority for inaction. The court will then force the pension office to act. 

How We Speed Up the Refund Process: is able to provide you with the fastest average process times of 8 weeks while others have to wait six months or longer.

A German law firm escrow account will be provided, which makes your refund process most Easy, Quick, and Secure. The correspondence happens within days, and our legal specialists know exactly how to speed up the process for you. 

How Much Can I Claim From My German Pension Insurance?

While you were employed in Germany, 9.3%** was deducted from your gross salary up to the income threshold and transferred to the German Pension Insurance.


As an Indian citizens you can claim your pension insurance contributions based on the rules explained above.


Use our free reimbursement calculator to get an estimate of your possible premium reimbursement.


**Contribution rates before 2018 varied, employee share is 50% of the percentage

Chidambareswaren Mahadevan (Chidam)
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Got my refund in 4 weeks...would definitely recommend

I have had the best of experiences working with these folks. Everything went well and I got my refunds in 4 weeks. Thank you so much to the team. I would defenitely recommend their service.

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Susruta Samanta
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A dedicated official answered all my questions and walked me through all the steps

Working with the Germany Pension Refund team was like a charm. A dedicated official answered all my questions and walked me through all the steps. They kept providing timely updates and status reports. They sorted out all glitches where any problem may occur. I received my refund a lot earlier than their proposed deadline. The whole process was smooth, and I had an excellent experience. I strongly recommend this service.

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Devi Rajan
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Overall a great experience, I highly recommend

My experience with Germany Pension Refund was excellent! Mr. Johannes clarified all my questions and updated me throughout the process. The best part is the prompt response from Mr. Johannes each time I ask something. I have no complaints at all. I highly recommend "German Pension Refund". Overall a great experience and a job well done! Thank you!

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Viral Thakkar
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Thoroughly impressed
...responsiveness was outstanding

I recently worked with German Pension Refund to reclaim my pension funds, and I'm thoroughly impressed. Within just three months, they efficiently secured my refund, far exceeding my expectations. Their responsiveness was outstanding; they provided updates at every stage and addressed queries within one business day. I highly recommend their services for anyone seeking pension fund refunds.

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Exceptionally professional...thoroughly satisfied

1. I contacted the firm to initiate a claim process in Germany, and Johannes managed my account. His conduct is exceptionally professional, and I consistently receive prompt responses to my inquiries. The absence of misleading information is commendable.
2. Deliveries are consistently punctual, and Johannes ensures translations of documents into English. I simply forward the necessary documentation, and he adeptly navigates the complexities of German bureaucracy.
3. Working with Johannes has been a pleasure, and I am thoroughly satisfied with the services provided by your firm.

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Hitesh Sawant
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Great experience, refund in 2 months

Great experience. My process got handled quick and all the information kept transparent to me including a letter from tax department indicating actual amount I am entitled to receive. I got my pension refund in 2 months. I highly recommend it to others as well.

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Beena Kulkarni
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Had a great experience with the whole process

I worked with Johannes and had a great experience with the whole process. I am so glad I choose them to handle my case. Johannes was very responsive and would send me regular updates about my case without me having to request for updates which I really appreciate. I highly recommend this company.

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Prasoon Anand
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Helpful and time bound work

Super helpful and time bound work, Really happy to see the proactiveness shown from Christian. Keep up the good work guys.

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Panchal Santosh
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Very much satisfied

I am very much satisfied the service they provided and I recommend everyone.

Thanks Johannes

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Vedant Gandhi
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Timely updates...100% safe and secured refund process

The process is really smooth. Though it takes time due to beurocratic challenges but Johannes and his team takes you hand to hand with the whole process. timely updates about the process was given. And 100% safe and secured refund process. Thanks for the amazing services.

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Divya Agarwal
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Very smooth and hassle free

They helped me with the refund process. Made the process very smooth and hassle free

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If you are curious to read more about working in Germany and India, you can find more information from the Deutsche Rentenversicherung here. 

India Agreement

German Pension Contribution Refund

Our service is Easy, Quick and Secure.


Thanks to our years of experience, we know exactly how to speed up the processing time of your German Pension Refund and we make sure that you enjoy a smooth, pleasant, and uncomplicated premium refund. 


We are here for you. Read more

Free Eligibility Check

We provide Free Eligibility check - do not hesitate to claim your refund.

Feel free to Contact Us regarding your German pension refund, eligibility, residency, waiting period, or any other questions that might arise reading through our refund information. We are here for you.

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