Income
Salary, bonus and benefits
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Turn vesting statements, foreign shares and employer-stock exposure into one clear decision process—before tax deadlines or market moves force the conversation.
Educational material only. Not tax, legal, FEMA or security-specific advice.
Start here
A product comparison is rarely the first step. Build a reliable record, resolve reporting questions and understand the household risk before choosing where the shares or proceeds should go.
Separate vested shares, unvested awards, cash at the broker and any sale proceeds. Do not count every grant headline as liquid wealth.
Reconcile the vest or allotment statement, payslip, employer tax records and broker statement before estimating a later sale gain.
Ask a CA who understands foreign assets which return and schedules apply to your residential status, holdings, income and transactions.
Measure vested employer shares against your liquid portfolio, then consider salary, career capital and future grants as connected exposures.
Compare holding, transferring, selling and reinvesting only after liquidity, tax, FEMA, costs, access and product risks are clear.
The real concentration
Salary, bonus and benefits
Unvested RSUs and refresh grants
Vested shares and sector exposure
RSU tax in India
The useful question is not simply “what is the RSU tax rate?” It is which event occurred, what value and exchange rate were recorded, what the employer withheld, what happened later and which disclosures apply to you.
Employer equity can create salary or perquisite taxation under Indian rules. The exact event, value and withholding depend on the award and plan records.
Records to keep
Keep the grant notice, vest confirmation, payslip, Form 16 or employer tax statement, share count, fair-market-value record and FX conversion evidence.
A later sale can be a separate capital-gains event. A transfer between brokers may not itself be a sale, but availability and treatment depend on the brokers, plan and facts.
Records to keep
Keep trade confirmations, fees, acquisition value used, dates, broker ledger, bank credits and transfer confirmations. Ask your CA before relying on a loss set-off.
Foreign shares, accounts and income can create Indian return-disclosure questions. The Income Tax Department says ITR-1 and ITR-4 should not be used where Schedule FA applies.
Records to keep
Preserve year-end and calendar-year statements, peak and closing values where relevant, dividend records, foreign tax documents and remittance history.
Why this page does not publish one tax rate: rates and holding-period treatment can change, while the correct answer also depends on award terms, residential status, foreign tax, dates and current law. Use the framework to prepare the facts; use a qualified CA to determine the return.
Four routes to evaluate
Each route solves a different operational problem. Compare the legal account, asset domicile, liquidity, cost, reporting and household purpose—not just the marketing label.
Private, browser-only worksheet
Enter approximate current values. The result is a conversation starter, not a sell signal or a recommended concentration limit. Unvested awards are shown separately because they are future, conditional compensation rather than liquid wealth today.
Nothing is uploaded or saved
The calculation runs only in your browser. Do not enter account numbers, broker credentials or other sensitive information.
Use current approximate market values
Current employer-stock concentration
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Liquid portfolio entered
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Unvested awards, separate
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Questions to take into a review
Before your next vest or sale
The fastest way to improve an RSU conversation is to replace screenshots and memory with a clean record. Give each specialist the facts relevant to their role—never passwords.
Save the printable checklistPrimary-source check
This page links to official sources because tax, FEMA, IFSC regulation and U.S. estate guidance can change. Review the current version with the specialist responsible for that decision.
Editorial responsibility
Editorial responsibility sits with Kiran Dutta, founder of SoHo Wealth and SIFPrime, Columbia University alumnus, AMFI Registered Mutual Fund and SIF Distributor, and APMI Registered PMS Distributor.
Published and last substantially updated: 28 July 2026
Scope
SoHo Wealth provides investment distribution, portfolio review and wealth coordination. We do not replace your CA, lawyer, FEMA specialist, broker or plan administrator, and we do not provide personalised security-level or fee-based investment advice. Read our disclosures.
Private consultation
We will map vested shares, future awards, portfolio concentration and family goals—then identify what belongs with SoHo Wealth and what must go to your CA, broker or legal specialist.
Continue the IT-professional journey
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