Indian software engineer reviewing real estate on dual monitors
RSU AdvisoryMSFT · Whitefield

Your RSUs vest quarterly.
Let's put them to work.

Illustrative example: a Microsoft engineer puts a Jan 2023 vest down on a Whitefield home. Three years on, the equity built is about 3× the down payment, versus about +75% for holding MSFT.

Real estate+200%₹25L downpayment · leveraged
Holding MSFT+75%same capital, no leverage
Result₹50L gainJan 2023 – Sep 2026

Illustrative scenarios, not client results. They assume a 20–25% down payment on a home bought in Jan 2023 and Bangalore-style price growth; “return” counts equity built (price gain plus loan principal repaid) against the down payment, before interest, costs and taxes. Stock figures are approximate. Not investment advice.

Plan your RSU strategy →See full calculations ↓
RSU → Real Estate · Illustrative · Jan 2023 – Sep 2026

Your RSUs vest quarterly.
Your EMI is monthly. The math works.

Bangalore tech employees are sitting on concentrated stock positions. Here's an illustrative example of using vested RSUs as a down payment in 2023 and letting leverage do the rest.

The setup · Jan 2023
Company
Microsoft Hyderabad / Bangalore
RSUs vested
₹25L
Used as
Downpayment
Property
2BHK · Whitefield
Purchase price
₹1.00 Cr
Home loan
₹75L @ 9% for 20 yrs
Monthly EMI
₹67,500 / mo
↻
The quarterly match
Quarterly vest of ₹7L covers 3 months of EMI — with surplus. No lifestyle change needed.
3 years later · Sep 2026
Property value today
₹1.45 Cr
Purchased at ₹1.00 Cr in Jan 2023
Outstanding loan
₹70L
Net equity
₹75L
Return on ₹25L downpayment
+₹50L 200%
vs. holding MSFT
+₹18.75L
75%
Return on ₹25L invested capital · Jan 2023 – Sep 2026
Real estate (leveraged)
MSFT stock (held)
0%50%100%150%200%+200%Real estate+75%MSFT stockJan '23Jan '24Jan '25Jan '26Sep '26Jul '23Jul '24Jul '25
Illustrative. On these assumptions, leverage built about 2.7× the gain of holding MSFT on the same capital.
* Property appreciation based on Bangalore residential index, 2023–2026. RSU values are illustrative for mid-senior engineers. Loan at 9% p.a. for 20 years. Stock returns approximate. Not financial advice.
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Selling RSUs to pay the EMI? Sell the right lots.

The 24-month rule, 12.5% vs your slab, and Section 86 for home buyers, worked through on 200 Microsoft shares. Try it on yours.

Open the RSU playbook →

Ready to build a strategy around your vesting?

Walk through the playbook with your own lots. Then talk to us: we model your company, corridor and budget.

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