🇮🇳 India
India Personal Finance
& Crypto Guides
Crypto tax rules, investing strategies, insurance guides, and personal finance — tailored for Indian residents.
Key Regulations for Indian Investors
What every Indian crypto investor and finance enthusiast must know in 2026.
30% Tax on Crypto Gains
India imposes a flat 30% tax on income from virtual digital assets (VDAs). No deductions are allowed except the cost of acquisition. Losses from crypto cannot be set off against any other income.
1% TDS on Transfers
A 1% Tax Deducted at Source (TDS) applies to transfers of virtual digital assets above ₹50,000 per year (₹10,000 for specified persons). This applies even if the transaction results in a loss.
No Loss Set-Off
Unlike stocks, losses from crypto cannot be set off against gains from other crypto or any other income source. This makes risk management even more critical for Indian crypto investors.
Exchange Compliance
India requires crypto exchanges to register with FIU-IND (Financial Intelligence Unit). Major exchanges like CoinDCX, WazirX, and CoinSwitch comply with KYC/AML requirements.
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Featured Articles for India
Most relevant guides for Indian residents.
Dollar-Cost Averaging vs Lump Sum Investing: Which Is Better?
Lump sum investing beats dollar-cost averaging roughly two-thirds of the time — but that's not the whole story. Here's what the research actually says, when DCA makes sense, and how to choose based on your situation rather than gut feeling.
Fake NFT Marketplace Scams: How to Avoid Losing Your Crypto
Fake NFT marketplaces look like OpenSea or Rarible but steal your funds. Here's how to spot them.
Investment Trusts vs ETFs: Key Differences and How to Choose
Investment trusts and ETFs are both pooled funds but work differently. We explain closed-end vs open-end, discounts and premiums, costs, and when each makes sense, in plain language.
Bonds Explained for Beginners: Government, Corporate, and High-Yield
Bonds are loans you make to governments and companies in exchange for regular interest. Here's how they work, the different types, and the easiest ways to invest — from Gilts to bond ETFs.
Small-Cap, Mid-Cap, and Large-Cap Stocks: What's the Difference?
Market capitalisation groups companies by size, and size shapes risk and return. We explain large-, mid-, and small-cap stocks, their historical performance, and how to weight them in your portfolio.
Gadget Insurance: Is It Worth Covering Your Phone and Laptop?
Gadget insurance protects phones, laptops, and tablets against damage, loss, and theft. Here's when it makes sense.
India Crypto Tax vs Other Countries
How India's crypto tax compares globally.
| Country | Tax on Crypto Gains | TDS/Withholding | Loss Set-Off |
|---|---|---|---|
| 🇮🇳 India | 30% flat | 1% TDS | ❌ Not allowed |
| 🇺🇸 United States | 0-37% (slab) | Varies | ✅ Yes (up to $3,000/yr) |
| 🇬🇧 United Kingdom | 10-20% CGT | None | ✅ Yes (unlimited) |
| 🇸🇬 Singapore | 0% (no CGT) | None | N/A |
| 🇦🇪 UAE | 0% (no income tax) | None | N/A |
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