After regulatory ambiguity, tax crackdowns, and a 2022–2023 slump, crypto investments in India were declared “dead” by many.
But in 2025, Indian investors—especially the digitally savvy under-35 segment—are cautiously returning to crypto assets, albeit with better risk control and diversified strategies.
Let’s dive into the crypto revival wave quietly building across Indian portfolios.
What Changed in 2025?
Regulatory Relaxations
The Indian government clarified its stance on digital assets, offering:
1% TDS only above ₹50K/year
No blanket ban on wallets or exchanges
SEBI-style oversight on Indian crypto platforms
Global Sentiment Shift
With Bitcoin reclaiming $80,000+, and Ethereum thriving post its scalability upgrade, retail and institutional sentiment has turned positive.
Crypto Goes ‘Lite’
New platforms offer fractional ownership, low gas fees, and UPI-enabled wallets. India now has crypto SIPs, just like mutual funds.
What Indians Are Betting On Now
1. Bitcoin (BTC)
Still king. Seen as a digital “store of value” akin to gold. Many Indian investors are taking SIP-style bets.
2. Ethereum (ETH)
Preferred for long-term Web3 believers and NFT ecosystem players.
3. Polygon (MATIC)
Born in India, this Layer-2 solution is gaining traction again due to its low fees and scalability.
4. Solana (SOL)
Fast-growing with NFTs, DEXs, and gaming use cases.
5. Stablecoins (USDT, USDC)
Used by high-net-worth individuals (HNIs) for dollar hedging against INR volatility.
Vizzve Insight
Young Indian investors now treat crypto not as a gamble, but as a strategic high-risk/high-reward asset, usually:
≤10% of their portfolio
Diversified across 3–5 tokens
Held via trusted exchanges with RBI-linked KYC
Risks to Watch
Taxation: 30% capital gains + 1% TDS still apply
Volatility: Coins can fall 20% in a day
Scams: Rug pulls and fake tokens still haunt smaller platforms
Lack of Insurance: Unlike stocks or FDs, crypto has zero guarantee
Platforms Gaining Trust in India
| Platform | Key Feature |
|---|---|
| CoinDCX | INR deposits, crypto SIPs |
| WazirX | Largest Indian exchange |
| ZebPay | Secure wallet & staking options |
| Binance | For global coin variety |
| Mudrex | Crypto investment “baskets” |
How Investment Behavior Has Shifted
| Then (2021–22) | Now (2025) |
|---|---|
| Hype-driven FOMO | SIP + Risk-managed strategies |
| Dogecoin, Shiba bets | Bitcoin, ETH, MATIC focus |
| No KYC platforms used | RBI-verified apps only |
| 100% in crypto portfolios | Crypto ≤10% of total investments |
❓FAQs
Q1: Is crypto legal in India in 2025?
Yes. Crypto is not banned. It is regulated, taxed, and monitored by SEBI/RBI frameworks.
Q2: Can I invest ₹500 in crypto?
Yes. Most platforms allow fractional crypto buying. SIPs start from ₹100/month.
Q3: Which crypto is safest for Indian investors?
Bitcoin and Ethereum are widely seen as safer long-term bets due to size and global use.
Q4: Can I use UPI for crypto?
Yes. Major Indian platforms have UPI-enabled payment gateways.
Final Takeaway
Crypto is not back with a bang—it’s creeping back quietly into Indian portfolios, this time as a calculated risk, not a fad.
In a time where digitally native finance is growing, India’s young investors are learning to treat crypto the way they do stocks or gold: one of many tools, not the only one.
Published on : 30th July
Published by : SMITA
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