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
₹61.86 L$64,747+2.00%-0.10%+10.20%₹2.60 L Cr₹124.10 L Cr-44.71%
2
Ethereum
ETH
₹1.84 L$1,921+2.00%+2.40%+21.70%₹72028 Cr₹22.15 L Cr-57.52%
3
Tether
USDT
₹95.47$0.99930.00%0.00%+0.10%₹3.94 L Cr₹17.56 L Cr-9.52%
4
BNB
BNB
₹56,594$592.39+4.40%+4.60%+8.30%₹7710 Cr₹7.54 L Cr-53.39%
5
USDC
USDC
₹95.51$0.99970.00%0.00%0.00%₹1.03 L Cr₹6.87 L Cr-1.53%
6
XRP
XRP
₹104$1.09+1.80%-1.80%+3.90%₹9642 Cr₹6.48 L Cr-66.97%
7
Solana
SOL
₹7,116$74.49+2.60%-1.70%+1.10%₹13912 Cr₹4.12 L Cr-71.98%
8
TRON
TRX
₹31.42$0.3288+1.10%+0.50%+4.40%₹3322 Cr₹2.98 L Cr-13.99%
9
Figure Heloc
FIGR_HELOC
₹98.60$1.03+2.90%+3.10%+1.50%₹854 Cr₹2.04 L Cr-2.40%
10
Hyperliquid
HYPE
₹5,269$55.16+3.30%-5.10%-16.00%₹3510 Cr₹1.17 L Cr-27.49%
11
Dogecoin
DOGE
₹6.74$0.0706+1.40%+1.90%-2.30%₹4374 Cr₹1.05 L Cr-87.43%
12
USDS
USDS
₹95.55$1.000.00%0.00%0.00%₹1987 Cr₹92512 Cr-1.47%
13
Rain
RAIN
₹1.28$0.0134-1.40%-4.70%-15.20%₹199 Cr₹88658 Cr-18.44%
14
LEO Token
LEO
₹934$9.780.00%+0.60%+5.60%₹2 Cr₹85961 Cr-7.38%
15
Zcash
ZEC
₹45,150$472.59+2.70%-5.50%+18.20%₹1777 Cr₹75791 Cr-78.62%
16
Monero
XMR
₹34,858$364.88+4.10%+3.10%+19.50%₹993 Cr₹65503 Cr-51.60%
17
WhiteBIT Coin
WBT
₹5,396$56.49+1.70%-0.10%+4.50%₹553 Cr₹1.59 L Cr-6.53%
18
Cardano
ADA
₹16.31$0.1707+4.90%+0.70%+17.90%₹3607 Cr₹60892 Cr-92.76%
19
Chainlink
LINK
₹807$8.45+2.90%0.00%+17.30%₹1723 Cr₹60387 Cr-79.10%
20
Stellar
XLM
₹16.44$0.1721+1.60%-5.70%-7.10%₹868 Cr₹56294 Cr-70.39%
21
Canton
CC
₹11.66$0.1221+3.40%-0.40%-13.40%₹107 Cr₹45662 Cr-34.21%
22
Dai
DAI
₹95.53$0.99990.00%0.00%0.00%₹1689 Cr₹43941 Cr-8.54%
23
Bitcoin Cash
BCH
₹20,784$217.56+6.30%+3.80%+8.80%₹849 Cr₹41703 Cr-91.42%
24
USD1
USD1
₹95.46$0.99920.00%0.00%0.00%₹7303 Cr₹38316 Cr-4.56%
25
Gram (prev. Toncoin)
GRAM
₹136$1.42+2.10%-2.70%-7.70%₹241 Cr₹37133 Cr-80.32%
26
Ethena USDe
USDE
₹95.51$0.99980.00%0.00%+0.20%₹438 Cr₹36913 Cr-1.51%
27
Litecoin
LTC
₹4,361$45.65+2.10%-2.60%+9.20%₹1907 Cr₹33763 Cr-85.50%
28
Global Dollar
USDG
₹95.52$0.9999-0.10%0.00%0.00%₹2399 Cr₹31983 Cr-33.37%
29
Circle USYC
USYC
₹108$1.13-0.10%+0.10%+0.30%₹5 Cr₹28671 Cr-1.13%
30
Hedera
HBAR
₹6.54$0.0684+1.70%-5.00%-1.50%₹308 Cr₹28614 Cr-84.36%
31
Sui
SUI
₹66.42$0.6952+2.30%-6.70%-0.10%₹1331 Cr₹26909 Cr-85.52%
32
Avalanche
AVAX
₹616$6.45+2.00%+2.80%-1.70%₹1227 Cr₹26612 Cr-94.28%
33
Uniswap
UNI
₹420$4.39+12.80%+16.70%+57.90%₹3397 Cr₹26244 Cr-87.40%
34
Shiba Inu
SHIB
₹0.0004$0.0000+0.60%+13.00%+9.70%₹753 Cr₹26117 Cr-93.14%
35
PayPal USD
PYUSD
₹95.55$1.000.00%0.00%+0.10%₹1753 Cr₹25699 Cr-1.47%
36
BlackRock USD Institutional Digital Liquidity Fund
BUIDL
₹95.53$1.000.00%0.00%0.00%₹25648 Cr-1.41%
37
Cronos
CRO
₹5.25$0.0549+0.30%-3.80%+2.20%₹33 Cr₹24813 Cr-92.10%
38
Tether Gold
XAUT
₹3.91 L$4,093+1.40%+1.10%+2.10%₹2039 Cr₹23960 Cr-22.83%
39
NEAR Protocol
NEAR
₹161$1.69+6.20%-10.00%-5.90%₹1564 Cr₹20981 Cr-89.38%
40
Ondo US Dollar Yield
USDY
₹109$1.14+0.20%+0.10%+0.30%₹10 Cr₹20543 Cr-1.32%
41
Ondo
ONDO
₹39.96$0.4183+5.50%+4.30%+34.20%₹1285 Cr₹19445 Cr-77.99%
42
Bittensor
TAO
₹18,449$193.18+2.80%0.00%-4.70%₹840 Cr₹17694 Cr-70.59%
43
PAX Gold
PAXG
₹3.92 L$4,098+1.30%+1.30%+2.20%₹1178 Cr₹17302 Cr-24.24%
44
OKB
OKB
₹8,181$85.64+1.60%+5.00%+9.20%₹145 Cr₹17181 Cr-59.69%
45
World Liberty Financial
WLFI
₹5.24$0.0548-0.70%-7.90%-4.70%₹231 Cr₹16646 Cr-82.07%
46
Aster
ASTER
₹58.18$0.6090+2.30%-1.60%-2.90%₹745 Cr₹15637 Cr-72.77%
47
HTX DAO
HTX
₹0.0002$0.0000+1.10%-1.30%+10.80%₹868 Cr₹15485 Cr-45.76%
48
USDD
USDD
₹95.47$0.99930.00%0.00%+0.10%₹984 Cr₹15189 Cr-19.48%
49
Ripple USD
RLUSD
₹95.56$1.000.00%0.00%0.00%₹815 Cr₹15151 Cr-1.50%
50
Aave
AAVE
₹9,439$98.80+2.40%+3.90%+16.30%₹2694 Cr₹14552 Cr-80.49%

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.