Grow your RSU wealth

Yes. Rovia Advisors LLC is a registered investment adviser with the US SEC, which means we are held to strict regulatory and fiduciary standards. We are legally required to act in your best interest at all times. We are also compliant with Indian regulations and Indian tax rules.

Your stocks are never held by Rovia. Your assets are held in your name with a regulated US custodian — even if Rovia were to shut down, your stocks would continue to exist under your ownership. Your holdings are also protected by SIPC insurance up to USD 500,000, and in any such event Rovia will help you transfer your stocks back to your existing RSU broker or to a new brokerage of your choice.

You can initiate a transfer directly from the Rovia app. Go to the transfer section, select your current broker (e.g. Fidelity, E*TRADE), and follow the steps to initiate the transfer. You can only transfer your vested stocks.

Yes. RSU stock transfers are permitted by all US employers and brokers, and Indian regulations allow residents to hold and manage foreign securities. Rovia operates within fully compliant US brokerage and Indian regulatory frameworks — if your employer or broker has specific requirements, Rovia guides you step by step.

No. Transferring your stocks to Rovia is not a taxable event and does not involve any transfer fees. Taxes are only triggered when you sell — and before selling, Rovia helps you select the most tax-efficient lots to minimize your tax liability.

It depends on your company. ESPPs have different restrictions — if they are transferable under your company policy, they move through the same process. If not, you can always sell your ESPPs and transfer the USD to Rovia.

Yes, you can transfer any USD in your stock plan account to Rovia. Follow the instructions in the Add Cash section of the Rovia app, add your Rovia account wire details in your stock plan account, and initiate the transfer.

Yes — a broker-to-broker transfer doesn’t involve a sale, so it typically falls outside blackout restrictions. If your shares are transferable, they can be transferred during the blackout.

We keep it simple and transparent — the platform is free to use, and transferring your stocks in is completely free. You only pay 0.15% per trade, capped at $15 per trade.

The forex rate varies by bank. For HDFC transfers it is approximately 0.80–0.85%, lower than INDmoney (~0.95%) and Vested (~1.85%). You can see the exact rate for your bank within the app before confirming any transfer.

Withdrawing to India in INR is free — though any forex charges levied by your bank may apply. Rovia also supports USD withdrawals by SWIFT wire ($15 per withdrawal) if you wish to negotiate a preferred rate with your bank.

Transferring while at a loss can actually be advantageous on Rovia. Once transferred, you can sell the stock to harvest the tax loss, locking in the loss for tax purposes — then buy the same stock again or other global stocks.

Rovia’s tax optimizer identifies which specific lots of your RSUs qualify for Long-Term Capital Gains (LTCG) treatment under Indian tax rules, where the rate is significantly lower than for short-term gains. It shows you exactly which shares to sell first, and constantly scans your portfolio for tax-loss harvesting opportunities.

Yes. Rovia generates a comprehensive tax report for each Indian financial year, making your ITR filing much simpler — no manual calculations needed.

Any trading window restrictions or insider trading policies set by your employer continue to apply regardless of which platform holds your shares. Always check with your employer about restrictions specific to you before placing trades.