In October 2025, Bitcoin crossed a major milestone — over ₹1 crore per Bitcoin (that’s more than $125,000). Five years ago, in October 2020, it was trading around ₹9–10 lakh. That’s nearly a 10x return in just five years! If we go further back, in May 2016, Bitcoin was priced at only around ₹30,000. Clearly, Bitcoin has delivered phenomenal returns for early crypto investors in India. But the big question remains — should Indians invest in crypto today? And if yes, how much should one invest? Let’s break it down step-by-step.
1) Is It Legal to Invest in Cryptos Like Bitcoin or Ethereum in India?
Yes, it’s completely legal to invest in cryptocurrencies in India. However, you must use only FIU (Financial Intelligence Unit)–registered apps approved by the Government of India. Avoid investing through apps that are not FIU-registered, as they may not comply with Indian regulations.
Some of the popular and trusted crypto apps in India include: CoinDCX & CoinSwitch. Both are FIU-registered and widely used by Indian investors.
2) How Much Should You Invest in Cryptos?
Cryptos are highly volatile assets. Unlike the Indian stock market, it’s common for crypto prices to swing 30–40% within months. Take Solana (SOL) for example — it was trading around $293 in January 2025, fell to $96 by April, and climbed back to over $250 by September.
Bitcoin too saw similar fluctuations — from $110k in January 2025 to $75k in April, and back above $125k in September.
This shows how fast crypto markets can move, both up and down.
A good rule of thumb: 👉 Keep your crypto exposure below 10–15% of your total portfolio. For instance, if your total investments are ₹10 lakh, limit your crypto holdings to around ₹1–1.5 lakh. This helps you enjoy the upside without risking your entire portfolio during market downturns.
3) Should Indians Invest in Crypto at All?
Yes — but wisely. Cryptocurrency is still in its early stages of adoption, and many experts believe it represents the future of money and finance. The returns have already been impressive, and India has one of the fastest-growing crypto user bases in the world.
However, don’t go all-in. Think of crypto as one piece of a diversified portfolio that includes stocks, gold, real estate, and mutual funds. Just like our grandparents regret not buying land or gold early, we might regret ignoring crypto altogether.
4) Which Cryptos Should You Invest In?
If you’re just starting, stick to the top, well-established coins:
- Bitcoin (BTC)
- Ethereum (ETH)
These two are considered the safest and most reliable cryptos globally. You can also explore coins like Solana (SOL) and XRP (Ripple), which have strong use cases and communities. A few other fast growing coins are BNB and Tron.
Avoid “meme coins” or “pump-and-dump” tokens — they’re often driven by hype and can crash quickly. Remember: whether in stocks or in crypto, slow and steady wins the race.
5) Best Apps to Invest in Crypto in India
Always choose FIU-registered platforms. Two of the best apps for beginners are:
- CoinDCX: You can open your account with CoinDCX here.
- CoinSwitch: You can open your account with CoinSwitch here.
If you’re into trading or derivatives, you can also explore Delta Exchange, which I personally use to trade cryptos and is a popular platform in India used by many active traders in India.
Final Thoughts
Crypto investing is still at an early stage in India, much like how the stock market was in the 1990s. There will be ups and downs, but the long-term potential is huge.
Don’t rush in or expect overnight profits. Learn, start small, and treat every investment as part of your financial education. You might lose a bit at first — but with patience and discipline, crypto can become a valuable part of your portfolio. As the saying goes: “The best time to invest was yesterday. The next best time is today — but wisely.”
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