XPS Pensions Group plc
XPS Pensions Group plc (LSE: XPS) is trading at £2.98, about ₹380 at today's GBP/INR rate, as of 28 Sep 2026, 11:35 AM ET, up 0.51% today. Indian residents can buy XPS Pensions from India on Paasa under the RBI's Liberalised Remittance Scheme.
Quote
Today's low
£2.97
Today's high
£3.04
52 week low
£2.75
52 week high
£3.69
XPS opened at £2.97, closed previously at £2.97, and has traded between £2.75 and £3.69 over the past 52 weeks.
About
XPS Pensions Group plc, operating through its various subsidiaries, specializes in delivering expert employee benefits consulting and a wide array of associated professional services throughout the United Kingdom. The firm provides strategic advisory services to both pension schemes and their corporate sponsors, alongside offering impartial investment guidance. Its comprehensive service portfolio includes the provision of defined benefit (DB) and defined contribution (DC) master trust schemes, as well as services for self-invested personal pensions (SIPPs) and small self-administered schemes (SSAS). Beyond advisory functions, the group offers a broad spectrum of administration services. These encompass general scheme administration, outsourcing solutions, robust member communication strategies, vigilant scam detection and prevention, efficient payroll processing, detailed pension scheme accounting, assistance with de-risking initiatives, expert technical consultancy, Guaranteed Minimum Pension (GMP) equalization, thorough data auditing and cleansing, confidential trustee secretarial support, and holistic pension management. Established in 2012, XPS Pensions Group plc maintains its headquarters in Reading, United Kingdom. The company was previously known as Xafinity Plc before officially rebranding to XPS Pensions Group Plc in May 2018.
Key statistics
Avg. volume
933.57K
Market cap
£605.03M
P/E Ratio
23.24
Price-to-sales ratio
2.30
Enterprise value
£666.26M
Free cash flow yield
8.17%
Debt-to-equity ratio
0.45
Return on equity
15.48%
ROIC
12.66%
Beta
0.34
Dividend yield
4.43%
Last dividend
£0.13
Financial overview
Revenue
£262.55M
Earnings per share
£0.13
Free cash flow
£49.45M
Net profit margin
10.11%
Gross margin
93.73%
EBITDA
£59.79M
Revenue growth
13.27%
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This is not an investment recommendation
How to buy XPS Pensions from India
Indian residents can buy XPS Pensions shares through Paasa in four steps. Funds leave India under the RBI's Liberalised Remittance Scheme and the shares are held in your own name with Interactive Brokers.
Open a Paasa account
Complete digital KYC with your PAN, Aadhaar and address proof. Your brokerage account is opened in your own name with Interactive Brokers.
Add funds under LRS
Transfer INR from your Indian bank account. Your bank reports the remittance under the RBI's Liberalised Remittance Scheme and converts it to US dollars and then to GBP.
Search for XPS Pensions and place an order
Find XPS Pensions by name or by its ticker, XPS, and choose an order type. XPS Pensions trades 12:30 pm – 9:00 pm IST; orders can only execute during that window.
Track holdings and download tax reports
Follow your XPS Pensions position in GBP and INR, and use Paasa's capital-gains and dividend statements when you file your Indian return.
Read the full guide: how to invest in XPS Pensions from India
Trading and taxes when buying XPS Pensions from India
Trading and limits
- Trading hours
- 8:00 am – 4:30 pm UK
- LRS limit
- $250,000Per financial year, under the RBI's Liberalised Remittance Scheme.
Tax for Indian residents
- TCS on remittance
- 20%Collected by your bank on LRS remittances above ₹10 lakh in a financial year. The TCS is adjustable against your income-tax liability.Adjusting TCS against your tax
- Capital gains in India
- 12.5% or slab rateGains on shares held for more than 24 months are long-term and taxed at 12.5%. Gains on shares held for 24 months or less are short-term and taxed at your income-tax slab rate.Capital gains explained
- Dividends
- Slab rateDividends are taxed at your slab rate in India. The UK levies 0% withholding tax on company dividends paid to non-residents. XPS Pensions’ current yield is 4.43%.Dividend tax explained
- Transaction tax
- The UK charges 0.5% Stamp Duty Reserve Tax when buying direct company shares electronically on the LSE; ETFs and UCITS funds do not attract it.
- Estate or inheritance tax
- May applyShares in UK-incorporated companies are UK-situs assets and fall within UK Inheritance Tax, charged at 40% above the £325,000 threshold for non-residents.Estate tax explained
Custody. Shares are held in your own name at Interactive Brokers, segregated from Paasa's own assets.
FAQs
Can Indian residents buy XPS Pensions stock?
Yes. XPS Pensions (XPS) has been listed on the London Stock Exchange since 2017, in the Investment - Banking & Investment Services industry, and Indian residents can buy it through Paasa. You fund the account from your Indian bank under the RBI's Liberalised Remittance Scheme and the money is converted to US dollars and then to GBP. Shares are held in your own name at Interactive Brokers, segregated from Paasa's own assets.
How much does one XPS Pensions share cost in rupees?
One XPS Pensions share is £2.98 — about ₹380 at a GBP/INR rate of 127.41 on 28 Sep 2026. Both the XPS Pensions price and the rupee rate move during the day, so the rupee cost changes with them.
What are the LRS and TCS rules for buying XPS Pensions from India?
Remit up to $250,000 per financial year under the RBI's Liberalised Remittance Scheme (LRS). Banks collect 20% tax at source on LRS remittances above ₹10 lakh in a financial year; the TCS is adjustable against your income-tax liability. FX and the LRS declaration are handled by your bank when you fund your account.
How are gains on XPS Pensions shares taxed in India?
Non-residents are exempt from UK capital gains tax on the disposal of listed shares, so the tax is an India-side one. Gains on shares held for more than 24 months are long-term and taxed at 12.5%. Gains on shares held for 24 months or less are short-term and taxed at your income-tax slab rate. The gain is computed in rupees using the GBP/INR rate on the purchase and the sale date, so the rupee move counts alongside the XPS Pensions price. Paasa issues a capital-gains statement for your return.
Does XPS Pensions pay a dividend, and how is it taxed in India?
Yes. XPS Pensions pays a dividend and the current yield is 4.43%; the last declared dividend was £0.13 per share, about ₹16.82. Dividends are taxed at your slab rate in India. The UK levies 0% withholding tax on company dividends paid to non-residents. Paasa's dividend report lists the gross dividend and any tax withheld for each payment.
When can I trade XPS Pensions from India?
The London Stock Exchange trades 12:30 pm – 9:00 pm IST in Indian time. The window shifts to 1:30 pm – 10:00 pm IST when the UK is on standard time. Orders can only execute during that window.
Is there estate or inheritance tax on XPS Pensions shares held from India?
Shares in UK-incorporated companies are UK-situs assets and fall within UK Inheritance Tax, charged at 40% above the £325,000 threshold for non-residents. It applies to your overall holdings in that jurisdiction rather than to any one position.
Are there transaction taxes when buying XPS Pensions?
The UK charges 0.5% Stamp Duty Reserve Tax when buying direct company shares electronically on the LSE; ETFs and UCITS funds do not attract it. This is charged by the market, not by Paasa.
Do I have to declare XPS Pensions shares in my Indian tax return?
Yes. Foreign shares held on 31 March must be reported in Schedule FA of your Indian income-tax return. Paasa gives you a Schedule FA-ready statement listing your XPS Pensions holding, its cost and its closing value.
How do I sell XPS Pensions and bring the money back to India?
You sell during market hours (12:30 pm – 9:00 pm IST) and the proceeds settle in GBP in your Paasa account. From there you can hold the balance, reinvest, or repatriate. Funds can be withdrawn in any currency to any bank account in your own name. Whether the sale is short- or long-term is decided by the 24-month holding period.