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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.

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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?

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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.

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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:

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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:

GermanyPensionRefund.com 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

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yogidk
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JUN/06/2024

Very prompt and easy to work with...refund in 6 weeks

It was pleasure working with German Pension Refund. They are very prompt and easy to work with. I got my refund in India within a span of 6 weeks. Super fast.

Read on

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Sanjay Mehrotra
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JUN/02/2024

Transparent, smooth, fast

Great support and service by Germany Pension Refund Team! The whole process was transparent, smooth and fast.

Read on

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Mallika Irene
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MAY/31/2024

Very smooth process

Very helpful people who helped make the process very smooth for me, as someone who knows almost no German. Thanks to Christian!

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Anupam Neogi
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MAY/30/2024

Impressed with service...seamless and efficient

I recently had the pleasure of working with Germany Pension Refund to handle my pension fund refund, and I couldn't be more impressed with their service! From start to finish, the process was seamless and efficient. I received my funds back in just 6 weeks, which was much faster than I anticipated.

The professionalism and transparency displayed by the team (I worked with Christian) at Germany Pension Refund were truly exceptional. He kept me informed every step of the way and was always available to answer my questions promptly. I felt confident and well-supported throughout the entire process.

I highly recommend Germany Pension Refund to anyone looking to claim their pension funds. Their dedication to providing excellent service and their commitment to client satisfaction are unparalleled. Thank you, Germany Pension Refund, for making this experience so positive and stress-free!

Readd on

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Sree
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MAY/23/2024

I would highly recommend them to anyone

I was incredibly pleased with the Germany Pension Refund teams support in getting a partial refund of my German pension contributions. I had completely written it off until I learned about Germany Pension Refund's service offerings. Their service offering helped me secure the refund .Thank you Julia and team for your support!

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Pradeep Pathak
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MAY/13/2024

Exceptional service...exceeded my expectations

Germany Pension Refund provided an exceptional service! Their professionalism and efficiency in handling my pension refund exceeded my expectations. I highly recommend their services to anyone seeking assistance in navigating the pension refund process.

Read on

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Krishnan Subramanian
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MAY/08/2024

Professional, transparent, quick to respond

Extremely professional and transparent. Very quick to respond and follows up timely to complete the process.
Thank you Christian for all the Support!!

Read on

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Rajat Malik
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MAY/08/2024

Money credited to my Indian account in 3 months

After making an enquiry, I got an email from Christian. He explained the process and asked for some basic documentation.
He kept me updated on the progress without me having to send any reminders and I got the money credited to my India account in about 3 months time from the day we started.

Read on

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Yatrik Bodhe
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MAY/03/2024

Will make German bureaucracy look like your friend

Reliable and efficient - that’s the impression GPR left on me after processing my pension refund. I worked with Julia and can confidently say she will make German bureaucracy look like your friend.

Read on

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Saumya Sharma
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MAY/02/2024

Really helpful and prompt

They were really helpful and promt in getting my refund. It was a pleasure working with Julia over this.

Read on

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Ranjith S
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MAY/01/2024

Very nice experience

Very simple and transparent process !!
I had a very nice experience.

Read on

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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
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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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