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ESOP taxation woes: How employees can avoid the startup wealth trap

Experience a smarter way to unlock your ESOPs—get fast cash, lower taxes, and retain your shares. With ESOPPDHAN, access funds to exercise your stock options while retaining ownership, without the hassle of monthly EMI.
Trusted by employees across industries
Discover our ESOP funding solution in just 2 minutes.
For Employees - We help you turn your ESOPs into an opportunity, not a burden
For Companies - We help you empower your employees and strengthen retention
Secure quick, hassle-free financing to exercise your options.
Unlock long-term wealth by exercising your ESOPs sooner, capitalizing on your company’s potential.
Tax Arbitrage:
Regular Tax vs. Capital Gains Tax.
Enjoy non-recourse funding with no monthly installments, aligning repayment with your liquidity event.
We Simplify Complex Problems For Employees
Discover the benefits of ESOP financing and find the best solutions tailored to your needs.
Submit a request to receive a personalized financing proposal that aligns with your ESOP requirements.
Carefully review the detailed proposal, address any queries, and accept the terms to move forward.
Receive the approved funds promptly and exercise your ESOPs without financial stress.
See how ESOPPDHAN has empowered employees and companies with seamless financing solutions for maximizing ESOP benefits.
EX SENIOR SOFTWARE ENGINEER
HARNESS INC
"I recently took the help of ESOPPDHAN to exercise my Options when I left my startup. I want to share, this is such a lifesaver because without this I wouldn't have been able to exercise any of my remaining ESOPs as I didn't want to risk that much money. The whole loan process was smooth and hassle-free and didn't require any in-person shenanigans. I was guided very well throughout the whole experience, and the loan contracts are also very diligently drafted. For anyone working in unlisted companies, and who is given ESOPs as part of their compensation plan, this is a great option to exercise them without risking any of your personal assets."
"My experience with ESOPPDHAN reference my ESOP Loan was seamless and hassle-free. Initially, exercising my ESOPs felt complex, but the team at ESOPPDHAN provided expert guidance, making the process effortless. They were always available to address my queries, offered clear and detailed explanations, and ensured a swift loan approval. Their professionalism and responsiveness made a significant difference, and I truly appreciate their support. I highly recommend ESOPPDHAN to anyone seeking a smooth and reliable ESOP financing solution."
"My colleagues in the US mentioned to me that there are multiple options to fund vested ESOP purchases through different financial instruments available in the US. Based here, in Bengaluru, I was in a conundrum because the only way I knew I could borrow was to borrow as a personal loan. That's what most banks told me. My conversations with some of my local colleagues led me to discover that I could borrow from an RBI approved financial institution with a transparent system. Thanks to ESOPPDHAN, I could pledge to buy stocks as a collateral as I had none other."
"Initially, I was in two minds on whether to subscribe to my ESOPs or not. While on one hand I saw a huge upside that the ESOPs gave me while working for a fast-growing company, on the other hand, I was strapped for cash as I had put in my savings for house, car etc. When I heard about ESOPPDhan ESOP funding programme, it was really a breather. ESOPPDHAN team helped me at every step to procure the loan for exercising my stock options. They clarified all my queries/concerns related to the loan, its commercial and helped in quick disbursal of the loan. ESOPPDHAN is a good alternative loan option where ESOP buy-back programme is not available."
EX SENIOR SOFTWARE ENGINEER
HARNESS INC
"I recently took the help of ESOPPDHAN to exercise my Options when I left my startup. I want to share, this is such a lifesaver because without this I wouldn't have been able to exercise any of my remaining ESOPs as I didn't want to risk that much money. The whole loan process was smooth and hassle-free and didn't require any in-person shenanigans. I was guided very well throughout the whole experience, and the loan contracts are also very diligently drafted. For anyone working in unlisted companies, and who is given ESOPs as part of their compensation plan, this is a great option to exercise them without risking any of your personal assets."
"My colleagues in the US mentioned to me that there are multiple options to fund vested ESOP purchases through different financial instruments available in the US. Based here, in Bengaluru, I was in a conundrum because the only way I knew I could borrow was to borrow as a personal loan. That's what most banks told me. My conversations with some of my local colleagues led me to discover that I could borrow from an RBI approved financial institution with a transparent system. Thanks to ESOPPDHAN, I could pledge to buy stocks as a collateral as I had none other."
"Initially, I was in two minds on whether to subscribe to my ESOPs or not. While on one hand I saw a huge upside that the ESOPs gave me while working for a fast-growing company, on the other hand, I was strapped for cash as I had put in my savings for house, car etc. When I heard about ESOPPDhan ESOP funding programme, it was really a breather. ESOPPDHAN team helped me at every step to procure the loan for exercising my stock options. They clarified all my queries/concerns related to the loan, its commercial and helped in quick disbursal of the loan. ESOPPDHAN is a good alternative loan option where ESOP buy-back programme is not available."
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