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Twilio Employee RSU Tax Loss Harvesting: TWLO Down 85% — Converting Rs 8.1 Lakh in Losses to Tax Savings

Case study: A Twilio India employee with RSUs vested at $250-$390 when TWLO peaked. At $62 today, lots from 2020-2022 carry Rs 15,960 to Rs 27,888 per share in Indian tax losses. Complete harvesting walkthrough, tax saving calculation, and how Rovia executes what Fidelity NetBenefits cannot.