Transfer Your US Stocks ESOPs & RSUs to INDmoney Seamlessly

If you invest globally, this situation probably feels familiar. Your US stocks are with one broker. Your RSUs are parked on a company stock plan portal. Performance tracking is scattered, tax documents are hard to organise, and every time you move money back to India, fees quietly eat into your returns.

What starts as “manageable” slowly becomes frustrating. That is where INDmoney steps in. It allows you to transfer your US stocks, US company ESOPs and RSUs into one single account so you can track, manage, and grow your global portfolio without the usual headaches.

Let’s break down what RSUs actually are, how transfers work, the difference between ACATS and DTC transfers, and why moving everything to INDmoney can make global investing simpler and cheaper.

What is an RSU?

RSU full form is Restricted Stock Units. If you have ever Googled “what is RSU” or “RSU meaning in salary,” here is the simplest explanation. An RSU is a form of stock compensation given by companies, mostly global tech and multinational firms. Unlike ESOPs, you do not need to buy these shares. Once they vest, they are yours.

This is why people often ask “what is RSU in salary” or “what is RSU in CTC.” RSUs are part of your total compensation, but they do not show up as cash in hand. They show up as company shares.

When comparing ESOPs vs RSUs, the core distinction lies in certainty and risk. RSUs promise actual shares upon vesting, delivering guaranteed value based on the stock's market price at that moment. In contrast, ESOPs grant the option to buy shares at a fixed strike price, where profitability hinges on the stock price exceeding that threshold at exercise.

From an India perspective, RSU taxation in India also matters. These units are taxed as salary income at vesting, with TDS typically withheld by the employer. Capital gains tax kicks in only upon selling the vested shares and not during their transfer.

Why Transfer Your US Stocks and RSUs to INDmoney?

Managing investments should not feel like a part-time job. When assets are spread across platforms, even basic questions become hard to answer.

By transferring everything to INDmoney, you get:

• One clean view of your entire US portfolio
• Zero remittance charges when you withdraw money
• Easy reinvestment of sale proceeds
• Tax documents aligned with Indian requirements

There is also a limited-time benefit. If your existing broker charges a transfer fee, INDmoney reimburses it for full account transfers. That can easily save you $25 to $100.

How Does Transferring US Stocks Actually Work?

US securities are moved through well-regulated systems. Depending on where your assets are held, transfers usually happen via ACATS or DTC.

1. ACATS Transfer: ACATS stands for Automated Customer Account Transfer Service. It is the most common way to move US stocks between brokers like Charles Schwab or E*Trade.

Why does ACATS work so well? Because it is fully electronic, regulated, and fast. Most transfers are completed within five to seven business days. You can move your full account or only selected stocks.

If your US stocks are in a normal brokerage account, ACATS is usually the best option.

The steps are refreshingly simple. You open an INDmoney US Stocks account. You share your latest brokerage statement. INDmoney takes care of the rest.

2. DTC Transfer for RSUs: DTC, or Depository Trust Company transfer, is commonly used when ACATS is not available. This is especially relevant for RSUs held on stock plan platforms such as Fidelity Stock Plan Services.

Here, the transfer is initiated from your existing broker’s portal. Once your INDmoney account is ready, you log in, choose “Transfer shares,” enter INDmoney’s details, and submit the request. This route is ideal for employees moving vested RSUs from company stock plans.

You can click on this link to the raise transfer request

Key Things to Remember

Only whole shares can be transferred. Fractional shares need to be sold, and the USD balance can be moved separately. For RSUs, only vested shares are eligible. Unvested grants stay where they are.

From a tax perspective, transfers are not taxable. Capital gains apply only when you sell the shares later. This is a key point for anyone worried about RSU taxation in India.

Why Does This Matter in the Long Run?

Good investing is not just about picking the right stocks. It is also about reducing friction, saving costs, and keeping things organised. By bringing your US stocks and RSUs under one roof, INDmoney removes a lot of operational noise. 

You spend less time tracking paperwork and more time focusing on long-term wealth creation. For anyone with global exposure, this kind of simplicity adds up over time.

Key Benefits At a Glance

• 5–7 days – Average transfer time
• 0 fees – Charged by INDmoney
• 100% refund - On any transfer fee levied by your broker who holds your RSU’s/ ESOPs 
• 100% online – no paperwork
• 1 dashboard – complete US portfolio view

If your US stocks and RSUs/ ESOPs are scattered across platforms, consolidation is no longer complicated or risky. With secure transfer systems, zero platform fees, and India-friendly reporting, INDmoney makes global investing easier to manage. Less chasing statements. Less worrying about fees. More focus on growing wealth.

Disclaimer:

The content is meant for education and general information purposes only. Investments in the securities market are subject to market risks, read all the related documents carefully before investing. Past performance is not indicative of future returns. The securities quoted are exemplary and are not a recommendation. This in no way is to be construed as financial advice or a recommendation to invest in any specific stock or financial instrument. Readers are encouraged to verify the exact numbers and financial data from official sources such as company filings, earnings reports, and financial news platforms and to conduct their own research, and consult with a registered financial advisor before making any investment decisions. All disputes in relation to the content would not have access to an exchange investor redressal forum or arbitration mechanism. INDmoney Global (IFSC) Private Limited, Registered office address: Office No. 507, 5th Floor, Pragya II, Block 15-C1, Zone-1, Road No. 11, Processing Area, GIFT SEZ, GIFT City, Gandhinagar – 382355.