Key Takeaways
- India’s crypto SIPs surged over 60% YoY in 2025, with CoinDCX adding 572,000 new plans.
- Small monthly investments (Rs 100-500) drove accessibility for retail and first-time investors.
- India leads global crypto adoption with 119 million users in 2025, projected to reach 123 million by the end of 2026.
India’s crypto market is experiencing a sharp rise in Systematic Investment Plans (SIPs), as more investors opt for disciplined, long-term strategies to diversify their exposure to assets like Bitcoin (BTC) and Ethereum (ETH).
Much like SIPs in traditional mutual funds, crypto SIPs allow users to invest small, fixed amounts at regular intervals.
In a market known for its volatility, this rupee-cost averaging approach helps smooth out price swings and lowers the pressure of trying to time the market.
Indian Crypto SIPs Skyrocket
According to a report by MoneyControl, crypto SIPs surged over 60% year-on-year across major Indian exchanges in 2025.
The surge in crypto systematic investment plans is driven by first-time retail investors seeking long-term gains amid maturing global regulations and a bull market in digital assets.
Major Indian exchanges reported record numbers for 2025, highlighting the scale of monthly investments.
Here are some top exchange choices for the crypto SIPs:
- CoinDCX: The leading Indian crypto exchange created over 572,000 new SIPs in 2025. This represents a 600% year-over-year increase since it launched the feature in 2022. The average monthly investment amount was Rs 100 ($12). Most users have opted for small, consistent contributions to build their positions gradually.
- CoinSwitch: The platform reported a 59% growth in new SIPs during 2025.
- Mudrex: The exchange recorded over 220% growth in SIP openings. A majority of users started with monthly amounts under Rs 500. By December 2025, the average SIP contribution rose to Rs 4,000-6,000 ($45-$66) per month, indicating increasing confidence among participants.
- Global Exchanges: Bybit and Binance noted a 25-30% increase in users adopting dollar-cost averaging (DCA) bots, equivalent to SIPs, with average monthly contributions of $80-100.
Popular cryptocurrencies for SIPs include Bitcoin, Ethereum, Solana (SOL), and XRP.
BTC is often the top choice across platforms for its role as a long-term store of value.
This focus on blue-chip assets underscores a conservative approach among Indian investors, prioritizing quality over high-risk altcoins.
Crypto Userbase To Grow to 119 Million
India’s overall active crypto user base stood at approximately 119 million as of 2025, with transaction volumes reaching $2.36 trillion from July 2024 to June 2025—a 69% year-over-year increase.
While the exact number of crypto SIP users is not available, the SIP boom suggests millions are doing so systematically—CoinDCX’s 572,000 new SIPs alone imply hundreds of thousands of additional monthly contributors in 2025.
Geographically, 75% of crypto activity originates from areas beyond major metropolitan areas, driven by remittances and mobile-first access.
Institutional involvement also grew 30-50% year-on-year on local exchanges, outpacing global averages.
India will expand its crypto user base to an estimated 123.35 million by the end of 2026, adding more than 4 million new users and raising market penetration to 8.35%.
The market value, currently at $2.6 billion in 2024, is projected to grow to $15-30 billion by 2033-2035 under favorable conditions.
SIP-style investing is poised for further growth, with features such as automated onboarding and rupee-cost averaging becoming increasingly standard.
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Prashant Jha is a seasoned crypto journalist based in Delhi, India, with a Bachelor’s Degree in Computer Science Engineering. Passionate about the evolving world of blockchain and cryptocurrencies, he has been a dedicated voice in the industry since 2018. Prashant’s expertise lies in regulatory reporting, where he unravels complex legal and financial developments with clarity and precision. Before joining CCN in 2024, he honed his craft at Cointelegraph, establishing himself as a trusted name in crypto journalism.
His coverage spans major industry events, including the high-profile collapses of FTX, Three Arrows Capital (3AC), and LUNA, offering readers insightful analyses of their regulatory and market implications. Prashant’s technical background enables him to bridge the gap between intricate blockchain technology and its real-world applications, making his work accessible to novices and experts.
Beyond his professional pursuits, Prashant is an avid music enthusiast, often exploring diverse genres to unwind. A sports lover, he has a particular passion for cricket and frequently engages in discussions about the game. His multifaceted interests and sharp journalistic instincts make him a valuable contributor to CCN, where he continues shaping the crypto landscape's narrative.
