Is the RSU for this year reduced to 48?

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The value in dollars is same every year. Last year the stock was around $45 so you got 55, this year it’s $52. In 2023 we got 65 shares when it was $35.

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I also got 48

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Can you cash all these RSU this year or how it works??

This is spread over 4 years.. after one year you can withdraw 1/4

Someone over 20 lakhs only get these RSUs correct?

It's generally for annual salary above $25,000. So every year the exact INR value depends on the INR to dollar conversion ratio. This year I think it's 21.6LPA, meaning anybody above that(as of 31Dec2025) should be getting the RSUs .

So, you are getting 56 thousand rupees worth of shares to cash out every year right??

May be less also. Depends on the time it is vested (1/4 of the total units) and the Bofa stock value.
Also, 30 % tax for INR equivalent of the stocks sold to you that year
+ Capital gain taxes (if any)
+ wire transfer charges and Currency conversion has to be considered 😂

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