Nenu maa husband, iddariki 50L+ salary income undi. Separate accounts, investments maintain chestunnam. Ippudu ESOP exercise tax kosam (>10L) nenu husband ki amount transfer cheyyali. Direct ga merchant ki pay cheyyalem. CA okaru idi loan la frame cheyyadam better annaru. Spouses madhya gift/free transfer allowed ani anukunna. Loan ga cheyyala leda gift ga cheyyina ok na? Later ESOP proceeds lo konni paisalu husband naku transfer chesthe issue untunda?
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