RSU vesting: the real tax math for Indian residents
Your RSU is worth ₹10 lakh on paper. After perquisite tax, US withholding, and capital gains — what actually lands in your account?
Vesting schedules, withholding, double taxation relief, and reinvesting RSU proceeds smartly.
Your RSU is worth ₹10 lakh on paper. After perquisite tax, US withholding, and capital gains — what actually lands in your account?
Vesting, taxes, withholding, repatriation, reinvestment — the full RSU lifecycle for Indian residents at US-headquartered companies.
Every RSU vest forces a choice. Sell to cover tax only? Sell everything? Hold all the shares? Pick the right answer for your situation.
Indian residents lose 5% per year of US dividends without Form 67. The complete filing walkthrough — what to enter, when, and the deadline trap.
Sell RSUs at vest, or hold for upside? The right answer depends on concentration, tax timing, and what you'll do with the cash.
RSUs are awarded; ESPPs are bought at a discount. Most Indians underuse ESPP. The full picture, with worked tax math for Indian residents.
RSU grants, refreshers, and sign-ons are all negotiable at US multinationals. The Indian-side playbook for getting paid better.
Indian shares: 12 months. US shares: 24 months. Each asset class has its own LTCG threshold. The complete reference table for Indian residents.
When you sell an RSU lot in 3 years, you'll need INR cost basis per tranche. The spreadsheet structure that works, with worked examples.
Pre-IPO RSUs trigger Indian tax at vest at the 409A FMV — but you can't sell. The cash-flow trap, double-trigger structures, and IPO planning.
Unvested RSUs disappear when you leave. Vested ones you keep — but the tax cycle continues. Every job-change scenario, explained for Indians.
ISOs and NSOs differ from RSUs: exercise price, three tax events not two. How Indian residents are taxed on each, with worked numbers.
Moving between US and India offices triggers a complex tax reset. RSU sourcing, RNOR window, dual-status filings — the full playbook.