PlanMyCashflows
Investment Product

Cryptocurrency

Digital assets with real returns and brutal volatility — taxed harshly in India. A small allocation can make sense; treating it as your main investment usually doesn't.

Live screener

Cryptocurrency screener

100 coins, refreshed every 5 minutes. Click any column header to sort. Prices via CoinGecko.

Rank by market capitalisation (largest first), per CoinGecko.Last traded price in Indian Rupees, derived from CoinGecko's INR feed.USDPercent change over the last 24 hours.Percent change over the last 7 days.Percent change over the last 30 days.Total INR value traded across exchanges in the last 24 hours. High volume = better liquidity.Circulating supply × current price. The total market value of the coin.Distance from the All-Time High. -40% means the coin is 40% below its peak ever.7d chart Hourly price sparkline for the past 7 days.
1
Bitcoin
BTC
₹77.41 L$81,340+2.02%-2.33%-1.47%₹2.27 L Cr₹155.63 L Cr-30.81%
2
Ethereum
ETH
₹2.25 L$2,363+2.29%-3.59%-10.39%₹91639 Cr₹27.47 L Cr-47.94%
3
Tether
USDT
₹95.04$0.9988+0.11%-0.03%-0.09%₹4.04 L Cr₹17.28 L Cr-9.93%
4
BNB
BNB
₹72,242$759.05+2.89%+1.53%-0.07%₹9295 Cr₹9.50 L Cr-40.50%
5
XRP
XRP
₹126$1.33+2.07%-2.07%-10.20%₹15722 Cr₹8.00 L Cr-59.80%
6
USDC
USDC
₹95.09$0.9994+0.09%-0.01%-0.05%₹1.04 L Cr₹6.77 L Cr-1.96%
7
Solana
SOL
₹9,781$102.76+2.91%-3.45%-12.60%₹19668 Cr₹5.77 L Cr-61.49%
8
TRON
TRX
₹31.57$0.3318+1.33%+0.46%-0.61%₹3732 Cr₹3.00 L Cr-13.56%
9
Figure Heloc
FIGR_HELOC
₹97.97$1.03—+0.45%-3.02%₹960 Cr₹2.51 L Cr-5.40%
10
Zcash
ZEC
₹1.24 L$1,303+4.48%+3.56%-15.02%₹7646 Cr₹2.11 L Cr-41.29%
11
Hyperliquid
HYPE
₹7,754$81.46+4.99%+0.95%-8.24%₹7067 Cr₹1.86 L Cr-17.24%
12
Dogecoin
DOGE
₹7.63$0.0802+3.99%-2.03%-13.15%₹4881 Cr₹1.19 L Cr-85.77%
13
Monero
XMR
₹57,645$605.69+2.12%+1.25%+14.87%₹1159 Cr₹1.09 L Cr-19.97%
14
USDS
USDS
₹95.15$1.0000+0.09%-0.07%+0.03%₹850 Cr₹93713 Cr-1.88%
15
WhiteBIT Coin
WBT
₹7,431$78.10+1.95%-4.04%-5.21%₹552 Cr₹88222 Cr-11.76%
16
Chainlink
LINK
₹1,121$11.77+3.90%-4.26%-12.96%₹2332 Cr₹85930 Cr-70.99%
17
LEO Token
LEO
₹897$9.40+4.44%+3.92%+4.38%₹3 Cr₹82529 Cr-11.05%
18
Cardano
ADA
₹19.68$0.2069+1.83%-7.66%-14.51%₹1795 Cr₹73948 Cr-91.26%
19
NEAR Protocol
NEAR
₹444$4.67+4.32%-9.67%-5.76%₹4890 Cr₹58185 Cr-70.75%
20
Stellar
XLM
₹16.34$0.1717+2.39%-6.57%-18.52%₹1026 Cr₹57550 Cr-70.58%
21
Bitcoin Cash
BCH
₹28,371$298.09+6.56%+4.37%-2.37%₹2386 Cr₹57060 Cr-88.29%
22
Rain
RAIN
₹0.6681$0.0070-0.55%-24.21%-44.07%₹175 Cr₹47424 Cr-63.96%
23
Ethena USDe
USDE
₹95.09$0.9993+0.13%-0.01%-0.05%₹280 Cr₹43205 Cr-1.95%
24
Dai
DAI
₹95.14$0.9999+0.08%-0.02%-0.04%₹1202 Cr₹42833 Cr-8.91%
25
Litecoin
LTC
₹5,490$57.69+2.71%-6.17%-17.65%₹1816 Cr₹42696 Cr-81.75%
26
Uniswap
UNI
₹681$7.15+1.95%-4.44%-18.96%₹2271 Cr₹42493 Cr-79.58%
27
Canton
CC
₹9.67$0.1016+5.08%-4.11%-27.82%₹133 Cr₹38615 Cr-45.47%
28
Avalanche
AVAX
₹856$9.00+2.89%-6.93%-12.95%₹1791 Cr₹38020 Cr-92.05%
29
USD1
USD1
₹95.06$0.9990+0.11%+0.03%-0.04%₹7477 Cr₹37114 Cr-4.97%
30
Sui
SUI
₹89.53$0.9408+3.27%-8.46%-19.05%₹2574 Cr₹36873 Cr-80.48%
31
Gram (prev. Toncoin)
GRAM
₹118$1.24+1.93%-7.67%-25.35%₹240 Cr₹33513 Cr-82.86%
32
Hedera
HBAR
₹7.25$0.0762+0.71%-9.51%-31.63%₹685 Cr₹32165 Cr-82.65%
33
Tether Gold
XAUT
₹3.85 L$4,041+0.94%-1.90%-2.95%₹2035 Cr₹31105 Cr-24.11%
34
Global Dollar
USDG
₹95.13$0.9998+0.07%-0.04%-0.02%₹3853 Cr₹29693 Cr-33.64%
35
PayPal USD
PYUSD
₹95.16$1.00+0.12%-0.07%+0.01%₹248 Cr₹28760 Cr-1.87%
36
Bittensor
TAO
₹24,355$255.95+3.19%-5.60%-14.08%₹872 Cr₹28431 Cr-61.17%
37
Shiba Inu
SHIB
₹0.0005$0.0000+3.35%-3.50%-10.87%₹572 Cr₹27944 Cr-92.66%
38
Quant
QNT
₹19,058$200.18-1.16%+1.29%-6.59%₹639 Cr₹27745 Cr-44.47%
39
Cronos
CRO
₹5.14$0.0540+3.03%-7.56%-15.05%₹57 Cr₹26082 Cr-92.25%
40
Ethena
ENA
₹19.36$0.2035+1.11%+1.64%-20.33%₹5375 Cr₹25966 Cr-84.69%
41
Bitway
BTW
₹164$1.73+19.66%-14.93%+26.70%₹129 Cr₹24745 Cr-37.44%
42
Ripple USD
RLUSD
₹95.16$1.00+0.07%+0.03%+0.02%₹1325 Cr₹24701 Cr-1.91%
43
MemeCore
M
₹105$1.10+8.11%+45.03%-3.29%₹33 Cr₹24054 Cr-80.42%
44
Ondo US Dollar Yield
USDY
₹109$1.15+0.04%+0.08%+0.20%₹44 Cr₹22606 Cr-2.23%
45
Circle USYC
USYC
₹109$1.14+0.10%+0.07%+0.28%—₹22607 Cr-1.62%
46
OKB
OKB
₹10,508$110.43+2.18%-4.47%-5.36%₹128 Cr₹22067 Cr-48.23%
47
BlackRock USD Institutional Digital Liquidity Fund
BUIDL
₹95.15$1.00+0.09%0.00%0.00%—₹20930 Cr-1.80%
48
Pepe
PEPE
₹0.0005$0.0000+16.41%+8.36%+19.29%₹5851 Cr₹19884 Cr-80.13%
49
Aave
AAVE
₹12,838$134.89+2.80%-12.80%-7.53%₹2111 Cr₹19817 Cr-73.47%
50
Ondo
ONDO
₹40.05$0.4208+3.22%-7.57%-17.44%₹772 Cr₹19509 Cr-77.94%

Prices via CoinGecko, INR conversion live. India taxes crypto at 30% flat with 1% TDS on transactions over ₹50,000/year; losses cannot be set off against gains in other asset classes. Highly volatile. Not a recommendation.

What it is

In plain language

Cryptocurrencies are digital assets running on decentralised blockchains. Bitcoin (BTC), launched in 2009, remains the largest and most established — often called digital gold. Ethereum (ETH) added programmable smart contracts, enabling DeFi, NFTs, and stablecoins. Beyond BTC and ETH, the market includes thousands of altcoins of widely varying quality.

In India, crypto is legal to buy, hold, and sell — but the regulatory environment is hostile. The 2022 budget introduced a flat 30% tax on crypto gains (no loss set-off, no indexation, no deductions other than cost of acquisition) and a 1% TDS on every transaction above ₹50,000/year. Effectively, India taxes crypto worse than any other asset class.

Indian exchanges (CoinDCX, CoinSwitch, WazirX, Mudrex) handle KYC, taxation, and reporting. NRIs and global Indians often use international exchanges (Coinbase, Kraken, Binance) where tax treatment depends on their country of residence. Self-custody (hardware wallets like Ledger or Trezor) eliminates exchange risk but adds operational responsibility.

How it works

Visualised

BTC and ETH in INR — 8 years (illustrative annual snapshots)

India tax on crypto: 30% flat on gains + 1% TDS on transactions over ₹50k/yr. Losses cannot be set off. Price snapshots are illustrative — actual prices are highly volatile.

Returns shown are historical and do not guarantee future performance.

Key facts

Quick reference

Minimum investment₹100 (Indian exchanges)
Typical volatilityBitcoin can move 30–50% in a year
Tax in India (gains)30% flat, no loss set-off
TDS in India1% on every transaction > ₹50k/yr
Tax in US (LTCG, >1yr)0%, 15%, or 20% by income bracket
Suggested allocation5–10% max of investable portfolio
RegulatorFIU-IND (AML compliance); RBI/SEBI hands-off on assets
Risk levelVery High
The honest version

Pros and cons

Pros

  • Bitcoin has historically outperformed every major asset class over 10-year periods
  • Uncorrelated (most of the time) with Indian equity
  • Liquid 24/7 across global exchanges
  • Programmable money + DeFi opens new financial primitives
  • Globally accessible — useful for NRIs holding multiple currencies

Cons

  • India's 30% tax + 1% TDS + no loss set-off is the worst tax regime among major economies
  • Volatility means 70–80% drawdowns happen periodically
  • No intrinsic cash flow — purely greater-fool dynamics in the short term
  • Exchange risk (FTX, WazirX issues) and custody risk are real
  • Many altcoins are outright scams or fail; concentrating outside BTC/ETH is dangerous
Fit check

Who should consider this?

Consider a 5–10% allocation to crypto (mostly BTC, some ETH) if you've built a solid base of equity, debt, and emergency fund, can stomach 70% drawdowns, and view it as a 10-year position. Don't consider crypto if you'd panic-sell in a crash, or if you're using leverage. NRIs in tax-friendlier jurisdictions can be more aggressive.

Watch out for

Common mistakes

  • Treating gains as 'just buy-sell income' and ignoring the 30% tax — quarterly advance tax obligations apply.
  • Trading frequently. Every trade triggers 1% TDS and 30% tax on gains. India's regime brutally punishes frequent traders.
  • Holding everything on an exchange. WazirX 2024 incident showed that exchange custody is not your custody.
  • Concentrating in altcoins for higher returns. >80% of altcoins from 2017–18 are worth essentially zero today.
  • Forgetting that crypto income must be reported in ITR Schedule VDA. Non-disclosure invites penalties.
How we help

PlanMyCashflows + this product

We help you size a sensible crypto allocation within your overall plan, choose between exchange custody and self-custody, and track cost basis for tax reporting. CashFlow Planner integrates with Indian and global exchanges to give you a unified portfolio view including crypto. We don't recommend specific coins.

Questions

Frequently asked

Should I invest in crypto in India given the tax regime?⌄

It can still make sense as a small (5–10%) long-term position because expected pre-tax returns are high enough to absorb 30% tax. But it's no longer a frequent-trading game — the 1% TDS + 30% tax + no loss set-off makes anything other than long-term holding uneconomical. NRIs in lower-tax jurisdictions have more flexibility.

Indian exchange or international?⌄

For Indian residents, Indian exchanges are the practical choice — they handle KYC, TDS, and report to tax authorities, making compliance easier. NRIs can use global exchanges (Coinbase, Kraken) governed by their resident-country tax. Always pick exchanges with proof of reserves and regulatory licences.

What about self-custody (hardware wallets)?⌄

For positions >₹10L or for long-term holdings, self-custody (Ledger or Trezor hardware wallets) eliminates exchange risk. But it adds operational complexity — seed phrase backup, transaction signing, and security hygiene. If you'll panic when you have to remember 24 words, stay on a reputable exchange.

Should I trust altcoins?⌄

Most altcoins are speculative tokens with limited fundamental value. Of the top 100 cryptocurrencies in 2017, fewer than 20 remain in the top 100 today. We suggest concentrating crypto allocation in BTC (70%+) and ETH (20–30%), with at most a small experimental allocation to others.

How do I report crypto in my ITR?⌄

Crypto income goes in Schedule VDA (Virtual Digital Assets) of ITR-2 or ITR-3. You report each transaction with date, cost of acquisition, sale value, and gain. There's no offset against other gains — each crypto gain is taxed at 30% standalone. Exchanges issue tax statements (P&L reports) to help with this.

Is GIFT City a way around crypto tax?⌄

Not generally. The 30% tax applies to all Indian residents regardless of where the trade happens. GIFT City has some advantages for certain financial products but doesn't currently offer special crypto tax treatment for residents. Non-residents (NRIs investing through IFSC structures) have other considerations.

Please note: Cryptocurrency is highly volatile and may result in loss of all invested capital. Cryptocurrency gains are taxed at 30% flat in India, with 1% TDS on transactions over ₹50,000 per year. Losses cannot be set off against gains in other asset classes. Self-custody carries operational risk; exchange custody carries counterparty risk.

Get a personalised plan for Cryptocurrency

Run our free AI snapshot, or book a 30-minute call with our team.

PlanMyCashflows is an information and distribution platform. The content on this site is for educational purposes only and does not constitute investment, legal, or tax advice.

Investments in mutual funds, PMS, AIF, equities, cryptocurrencies, and other instruments are subject to market risks. Past performance is not indicative of future returns. Please read all scheme-related documents carefully and consult a SEBI-registered investment adviser, chartered accountant, and tax professional in your jurisdiction before making investment decisions.

PlanMyCashflows, its directors, employees, and contractors do not guarantee any returns and are not liable for any losses arising from decisions based on the content of this site.