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India guide · Updated 24 Sep 2026

Best crypto SIP app in India (2026)

A crypto SIP buys a fixed rupee amount of Bitcoin or another coin every day, week or month, so you never have to guess the right moment. Four Indian apps do it well; they differ on minimums, frequency, baskets and what it costs to take your coins out.

Our picks

  1. CoinDCX, Traders who want spot, INR futures and options in one app
  2. CoinSwitch, Beginners and INR-only investors
  3. ZebPay, Cautious long-term investors and Bitcoin SIPs
  4. Mudrex, Hands-off investors who want diversified baskets

1. CoinDCX

The most flexible: SIPs from ₹100 with daily, weekly or monthly buys, and you can withdraw coins to your own wallet later.

Read our full CoinDCX review · Official site: coindcx.com

2. CoinSwitch

The simplest: monthly SIPs from ₹100 on an app built for beginners. Coins stay on CoinSwitch, you exit in rupees only.

Read our full CoinSwitch review · Official site: coinswitch.co

3. ZebPay

A Bitcoin SIP plus CryptoPacks, ready-made baskets of coins, from India’s longest-running exchange. Watch the monthly inactivity fee on small accounts.

Read our full ZebPay review · Official site: zebpay.com

4. Mudrex

SIPs into single coins or Coin Sets that rebalance automatically. Rebalancing costs 0.25 to 1%, and crypto withdrawals cost 2%.

Read our full Mudrex review · Official site: mudrex.com

Compared side by side

AppSIPSpot feeINR deposits
CoinDCXYes, from ₹100, including daily SIPsTiered, up to ~0.5%UPI, bank
CoinSwitchYes, monthly SIP from ₹100Tiered, up to ~0.4%UPI, bank
ZebPayYes, Bitcoin SIP, plus CryptoPacks (baskets)0.45% (VIP lower)UPI, bank
MudrexYes, crypto SIP and Coin Sets0.12 to 0.45%UPI, bank (free)

Fees and features change often. Checked 24 Sep 2026; confirm on the exchange before you trade.

How a crypto SIP works

You choose a coin (or basket), an amount and a frequency. The app debits your INR balance or UPI mandate and buys at the market price each time. Because you buy more when prices are low and less when they are high, your average cost smooths out over time, it does not make crypto less risky. Our guide to starting a crypto SIP in India covers setting one up.

What to check before you start

  • The fee on every instalment. Each SIP buy is a separate trade, so the percentage fee plus 18% GST applies every time.
  • What happens when you want out. CoinSwitch only lets you sell to INR; Mudrex charges 2% to withdraw crypto; CoinDCX and ZebPay let you move coins to your own wallet for a network fee.
  • Tax. Each instalment is a separate purchase with its own cost. When you sell, profit is taxed at 30% and 1% TDS is deducted. Keep the app’s tax report, see how to show crypto in your ITR.
  • Only Binance offers recurring buys offshore (Auto-Invest), but funding it needs P2P, so an Indian app is simpler for a rupee SIP.

Frequently asked questions

Which is the best app for crypto SIP in India?

CoinDCX for flexibility (daily SIPs from ₹100 and crypto withdrawals), CoinSwitch for simplicity, ZebPay for a Bitcoin SIP with a long track record, and Mudrex for auto-rebalanced baskets.

What is the minimum crypto SIP amount in India?

₹100 on CoinDCX and CoinSwitch. Check the minimum in the app for other platforms.

Is a crypto SIP safe?

A SIP reduces timing risk, not market risk. Crypto can fall a long way and stay down for years, so invest only what you can afford to lose.

How is a crypto SIP taxed?

Each buy is a separate purchase. When you sell, profit over your cost is taxed at 30% plus cess, and 1% TDS is deducted on the sale.

Independent, not sponsored. We are not paid by any exchange named here and these are not affiliate links (how we make money). Names are trademarks of their owners, used only to identify them. Facts were checked on 24 Sep 2026 against the exchanges' own pages and news reports; fees and features change, so confirm on the exchange before you trade. Crypto products are unregulated and can be highly risky, and there may be no regulatory recourse for any loss. This is AI-assisted research for education only, not financial or tax advice. See our risk disclosure.