60 Points
Joined November 2018
Your are wise not to close your singapore SB account (as it is easy for the Singapore PF to be credited thro the local bank network)
Easy Solution : If the S$ monthly Pension amount is not big (say below S$1000=Rs 50000)- use your DBS / POSB/ UOB/OCBC banks debit card once or twice a month & with draw cash at the Indian ATM & spend as cash -dont put that money in to the banks here.( you can with draw 40K easily in one attempt) . Or you can make contacts with High street/Serangoon Forex shops & collect rupees in cash at your door
If the pension S$ amount is big & you are signing in to your singapore bank online account & SWIFT transfering in to your Indian sb account -
Proper way : File India ITR with foreign bank account nos/ incoming pension SWIFT as your income + any other income generated in India (after all you have been here for 18 years ).
If iam an Indian citizen -open sb accounts in Singapore/ HK /UK/ Swiss etc - they report to Indian Govt ( under recent IT Pact). But since you are a singapore citizen , your govt will not share your PF interest/ Pension etc with the Indian Govt.
It is better to come clean about your foreign accounts deatils +pension since you are going live here only.