Best Low Fee Crypto App in India: Real Costs Compared

Best low fee crypto apps in India, with rupee examples for SIP investors, active traders and futures traders, including GST, withdrawal and hidden costs.

The lowest headline fee does not always mean the cheapest crypto app. What you actually pay depends on how you use it: a ₹5,000 monthly SIP, ₹2 lakh of active trading, or leveraged futures each favour a different app. This guide works through real rupee examples so you can find the best low fee crypto app in India for your own habits, not someone else's.

Key takeaways

Active traders: WazirX ZERO (₹99 a month plus GST) beats per-trade fees above roughly ₹25,000 of monthly volume.
Futures traders: WazirX (0.02% / 0.04%), Delta Exchange and Mudrex (0.02% / 0.05%) publish the lowest fees.
Small investors: fee differences are a few rupees a month; free deposits and no inactivity fee matter more.
Always add 18% GST on fees, and check withdrawal charges before you choose.

What makes up the cost of a crypto app

Trading fee: a percentage of each buy or sell, usually lower as your 30-day volume rises.
GST: 18% on the trading fee at Indian exchanges.
Spread: the hidden margin on "instant buy" buttons. Limit orders on the order book are usually cheaper.
Withdrawal fees: rupee withdrawals (₹15 on ZebPay) and crypto withdrawals (2% on Mudrex, plus network fees everywhere).
Inactivity fees: ZebPay lists 0.0001 BTC a month.

The 1% TDS on sales is not a cost; it is advance tax credited to your PAN. See what is 1% TDS on crypto.

Published fees at a glance

App	Spot fee	Futures fee (maker / taker)	Other costs to note
WazirX	₹99/month flat (ZERO) or 0.10% to 0.40%	0.02% / 0.04%	Weigh the 2024 hack history
Binance	0.10% (0.075% with BNB)	Check eligibility	INR only via P2P, which has its own spread
Delta Exchange	Buys free, sells 0.1%	0.02% / 0.05%; options 0.03%	Small spot coin list
Mudrex	0.12% to 0.45%	0.02% / 0.05%	2% crypto withdrawal fee
CoinSwitch	Up to about 0.40% (tiered)	Shown at order time	No crypto withdrawals
CoinDCX	About 0.03% to 0.50% (tiered)	Check live fee page	Higher at the lowest tier
ZebPay	0.45% (VIP down to 0.03%)	INR-margined perps	₹15 INR withdrawal, inactivity fee

GST at 18% applies on top at Indian exchanges. Fees were checked in September 2026 and change often.

Example 1: ₹5,000 monthly SIP

A SIP buys once a month, so you pay the fee twelve times a year on ₹60,000 of purchases.

At 0.45% (ZebPay regular tier, Mudrex entry tier): ₹22.50 fee plus ₹4.05 GST = ₹26.55 a month, about ₹319 a year.
At 0.40% (top of CoinSwitch's range): ₹20 plus ₹3.60 GST = ₹23.60 a month, about ₹283 a year.

The gap between apps is only a few rupees a month. For a SIP investor, free deposits, no inactivity fee and a low minimum matter more than the trading fee. CoinDCX and CoinSwitch both start SIPs at ₹100. See the best crypto SIP app in India.

Example 2: ₹2 lakh of active trading a month

At a 0.40% fee: ₹800 plus ₹144 GST = ₹944 a month.
On WazirX ZERO: ₹99 plus ₹17.82 GST = ₹116.82 a month, whatever you trade.
At Binance's 0.10%: about ₹200 a month in fees, before the spread you pay on P2P rupee deposits and withdrawals.

For frequent traders the flat plan saves the most. Its break-even is about ₹25,000 a month at WazirX's 0.40% base rate (₹99 divided by 0.40%). Before relying on it, note that WazirX users lost about 15% of their holdings and waited around 15 months after the July 2024 hack. Read the WazirX review.

Example 3: futures trader, ₹1 lakh position

Futures fees apply to the full position size, not just your margin. On a ₹1 lakh position:

At a 0.05% taker fee (Delta Exchange, Mudrex): ₹50 plus ₹9 GST = ₹59 to open, and roughly the same to close.
At a 0.04% taker fee (WazirX): ₹40 plus ₹7.20 GST = ₹47.20 each way.
Using limit orders to get the 0.02% maker fee roughly halves these costs.

Fees are small next to the risk. At 10x leverage, a 10% move against you wipes out your margin. Read risk management and position sizing first.

Example 4: moving ₹1 lakh of Bitcoin to your own wallet

On Mudrex the 2% crypto withdrawal fee comes to about ₹2,000. On CoinDCX, ZebPay and most others you pay only a per-coin network fee, usually far less. CoinSwitch does not allow crypto withdrawals at all. If you plan to use a self-custody wallet, this cost can outweigh every trading fee you pay in a year.

Five ways to cut your crypto fees

Use limit orders on the order book instead of instant buy.
Pick one app and build volume there, as fee tiers fall with 30-day volume.
Consider a flat-fee plan only if your monthly volume clears the break-even.
Batch withdrawals rather than moving small amounts often.
Avoid apps with inactivity fees if you buy once and hold.

Our low fee picks

Cheapest for active spot traders: WazirX ZERO.
Cheapest for futures and options: Delta Exchange, with WazirX for BTC and ETH perpetuals.
Cheapest free rupee withdrawals: Mudrex or Delta Exchange.
Best value for small SIPs: CoinDCX or CoinSwitch.

For the ranking by exchange, see our lowest fee crypto exchange in India page, and for what is genuinely free, read the best free crypto apps in India. Estimate your tax with the crypto tax calculator.

Frequently asked questions

Which crypto app has the lowest fees in India?

For frequent traders, WazirX ZERO at ₹99 a month plus GST. For futures, WazirX (0.02% / 0.04%), Delta Exchange and Mudrex (0.02% / 0.05%). Binance charges 0.10% on spot but funds INR only through P2P.

Do I pay GST on crypto trading fees in India?

Yes. Indian exchanges add 18% GST to the trading fee, so a 0.45% fee costs about 0.53% in total.

Is the 1% TDS a trading fee?

No. TDS is advance tax deducted against your PAN. You adjust it against your tax liability or claim it as a refund when you file your return.

Is a flat monthly fee plan worth it?

Only if you trade enough. WazirX ZERO pays for itself above roughly ₹25,000 of monthly volume at its 0.40% base rate. Below that, per-trade fees are cheaper.

This article is AI-assisted, educational and general in nature. It is not financial advice and never a guarantee of profit. Every trade is at your own risk on your own exchange. See our risk disclosure and editorial policy.