>Isn't this day light robbery by German government ? No, since the German government doesn't recieve the money at all (it only gives a financial garantie). >Do you recommend any service from Germany who can help me getting back money to India ? Yes, contact the [Deutsche Rentenversicherung - Beitrags-Erstattung][bfa_rentenrückerstattung_de] that recieves the money. This will only be generally possible if no treaty exists about the transfer of pension contributions between the 2 countries. You can apply for a **Versicherungsverlauf**, which will list all of your contributions which may be usefull later. It seems that a treaty with India exists (see page [Deutsche Rentenversicherung - Homepage - Arbeiten in Deutschland und in Indien][bfa_d_indien_de]). The information there also suggests that applications for refunds (if you are eligible, which seems to be possible under certain conditions) can be made directly at a German consulate. Having the **Versicherungsverlauf** when contacting the consulate would simplify any application, since all relevant information is contained in the document. >Also why I don't get my employer's contributions as my employer has paid to the government on my behalf, if I wasn't working then my employer wouldn't have paid to German government. The employer didn't pay on your behalf, it's part of **their** contribution to the pension system. Any refund will be based on your contributions, not thoses of others. --- **Sources**: - [Deutsche Rentenversicherung - Beitrags-Erstattung][bfa_rentenrückerstattung_de] - [Deutsche Rentenversicherung - Ansprechpartner & Verbindungsstellen - Indien - Arbeiten in Deutschland und Indien][bfa_rentenrückerstattung_indien_de] - [Deutsche Rentenversicherung - Homepage - Arbeiten in Deutschland und in Indien][bfa_d_indien_de] - [Deutsche Rentenversicherung - FAQs - Versicherungsverlauf][bfa_versicheerungsverlauf_de] [bfa_rentenrückerstattung_de]:https://www.deutsche-rentenversicherung.de/DRV/LS/Beitrags-Erstattung/Beitrags-Erstattung_node.html [bfa_rentenrückerstattung_indien_de]:https://www.deutsche-rentenversicherung.de/DRV/DE/Rente/Ausland/Ansprechpartner-und-Verbindungsstellen/Indien/Indien.htm [bfa_d_indien_de]:https://www.deutsche-rentenversicherung.de/SharedDocs/Downloads/DE/Broschueren/international/weitere_abkommen/39_arbeiten_deutschland_indien.html [bfa_versicheerungsverlauf_de]:https://www.deutsche-rentenversicherung.de/DRV/DE/Rente/Allgemeine-Informationen/Wissenswertes-zur-Rente/FAQs/Versicherung/Versicherungsverlauf_Liste.html#4d27b143-3049-4db8-a041-468f420a420c