Hi Chris - there is no doubt your GF initially served in the 4th Dragoon Guards and went out to "India" with them in September 1894:
They sailed from Southampton on 12th September 1894 as this clip from a newspaper of 14th September 1894 confirms:
Thy were initially based at Rawalpindi which is why I used quotation marks above as today Rawalpindi is in Pakistan. They were still there in February 1895 and obviously having a "spiffing" good time as this clip from a newspaper of 16th February 1895 shows:
I should not mock, as previously they had been at Waterloo & their actions in the Crimea were immortalised by Tennyson as this extract from a letter of to the Army & Navy Gazette of 22nd December 1894 shows:
I do not have time to search through 3 years of ancient newspapers for mentions of the 4th Dragoon Guards but you could by paying Ancestry a bit more cash. It would also allow you to look for mentions of the 2nd Dragoons in South Africa. The Unit information on this site also tells you quite a bit about what the 2nd Dragoons did in South Africa.
The last newspaper clipping tells us the 4th Dragoon Guards were Heavy Cavalry which is probably why they remained in India for the duration of the Second Boer War, they eventually returned home in 1908.
Why did your GF return home "early" in 1897 - because he had completed the 7 years of active service he had originally signed up for in 1898, he could have opted to extend his active service but obviously chose not to. When he was recalled from the Army Reserve in 1900 it was for the specific purpose of protecting the Nation & Empire against the Boers and hence his transfer to the 2nd Dragoons - they were Light Cavalry and much more use against the highly mobile Boers. As a member of the Light Cavalry he who have been required to get off his horse at times and fight on foot. It was very much against the grain for Heavy Cavalry (who considered themselves the bees knees) to fight on foot.
I will email you copies of the records I found on
Find My Past.
Regarding the "wrong" medal you have with your GF's name on - I would tentatively suggest he lost (or sold) his original QSA (3 clasps) & KSA (2 clasps) and when he "needed" them again went round to the local pawn shop in a hurry and had his purchase re-engraved, which he might have done himself resulting in a rather poor job.
Regards, David.