Startup Employees Ki Fansi ESOP Loans Mein! IPOs Ruke Toh Debt Ka Bojh Badha

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AuthorRiya Kapoor|Published at:
Startup Employees Ki Fansi ESOP Loans Mein! IPOs Ruke Toh Debt Ka Bojh Badha
Overview

Arre yaar, startup mein kaam karne wale employees ek bade problem mein fans gaye hain. Jo log ESOPs (Employee Stock Options) lene ke liye loans liye the, ab IPOs ke delay hone ki wajah se pressure mein aa gaye hain. Loan ki EMI aur interest badh raha hai aur IPO ka date pata nahi kab aayega.

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Kaisi Fansi Hai Yeh?

Sabse bada reason hai ki Indian startups ke IPOs abhi ruk gaye hain. Iska matlab hai ki employees ko apne ESOPs cash karne ka mauka nahi mil raha hai, jiske liye unhone loan liye the. Ab yeh loans ka bojh unke upar aa gaya hai aur interest bhi chadh raha hai.

Ex-Employees Ka Kya?

Jo log company chhod chuke hain, unki toh aur bhi badi mushkil hai. Company chhodne ke baad unke paas 30 se 90 din ka time hota hai ESOPs exercise karne ka, warna woh options kho dete hain. Agar loan ki repayment date nikal gayi aur IPO abhi bhi nahi aaya, toh yeh unke liye ek bada nuksaan ho sakta hai.

Tax Aur Interest Ka Chakkar

Aur toh aur, India mein tax ka system bhi complicated hai. Employees ko ESOPs exercise karne par strike price aur fair market value ke difference par tax dena padta hai, chahe unka sirf paper par hi profit ho. Is upfront tax ke saath common ESOP loan par lagne wala 11 percent interest (jo 24-36 mahine tak chal sakta hai) exercise cost ko aur 20-33 percent tak badha deta hai. Agar baad mein IPO valuation kam nikla, toh yeh tax ek permanent loss ban jata hai.

Experts Kya Keh Rahe Hain?

Financial advisors ab logo ko bol rahe hain ki loan lekar ESOPs exercise karne se bachein. Unka kehna hai ki jab tak actual cash milne ka event (like IPO ya sale) na ho jaaye, tab tak sabra karna chahiye. Loan ko refinance karna bhi koi solution nahi hai kyunki usse sirf debt aur interest badhta hai. Jo log abhi bhi is situation mein fans gaye hain, unke liye secondary market mein shares bechna ek option ho sakta hai, haalanki usmein bhi kuch discounts ho sakte hain.

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Disclaimer:This content is for educational and informational purposes only and does not constitute investment, financial, or trading advice, nor a recommendation to buy or sell any securities. Readers should consult a SEBI-registered advisor before making investment decisions, as markets involve risk and past performance does not guarantee future results. The publisher and authors accept no liability for any losses. Some content may be AI-generated and may contain errors; accuracy and completeness are not guaranteed. Views expressed do not reflect the publication’s editorial stance.