India’s Crypto SIP Boom: Millions of Indians Now Invest Every Month - Coinedict
India is witnessing a sharp shift in how retail investors approach cryptocurrency. Instead of chasing short-term price moves, a growing number of Indians are choosing Systematic Investment Plans (SIPs) for crypto—mirroring the discipline long associated with mutual fund investing.
New data from 2025 shows that crypto SIP adoption in India has surged, driven by small monthly contributions, wider access through mobile apps, and a preference for long-term wealth building over speculation.
Crypto SIPs See Over 60% Annual Growth
According to industry reports, crypto SIPs across major Indian exchanges grew by more than 60% year-on-year in 2025. Platforms report that first-time investors are leading this trend, using SIPs to steadily accumulate assets like Bitcoin and Ethereum.
The appeal lies in simplicity. Crypto SIPs allow investors to commit small fixed amounts—often as low as ₹100 to ₹500 per month—while benefiting from rupee-cost averaging in a volatile market.
How Many Indians Are Investing Monthly?
While the exact number of crypto SIP users nationwide is not publicly disclosed, platform-level data offers strong clues:
- CoinDCX added 572,000 new SIPs in 2025, marking a 600% increase since launching the feature in 2022.
- Average monthly investment: ₹100
- CoinSwitch reported 59% growth in SIP adoption last year.
- Mudrex saw SIP openings jump over 220%, with most users starting below ₹500 per month.
- By December 2025, average SIP sizes rose to ₹4,000–₹6,000, signaling growing confidence.
Global platforms such as Binance and Bybit also reported a 25–30% rise in Indian users adopting DCA-style investment bots, contributing roughly $80–$100 per month on average.
Taken together, these figures suggest that millions of Indians are now investing in crypto on a monthly basis, even if exact totals remain undisclosed.
Bitcoin, Ethereum Lead SIP Preferences
Indian investors are largely sticking to established cryptocurrencies when setting up SIPs. Bitcoin remains the most popular choice, followed closely by Ethereum, with growing interest in Solana (SOL) and XRP.
This preference for blue-chip assets reflects a cautious mindset—favoring long-term value and network maturity over high-risk altcoins.
India Remains the World’s Largest Crypto Market by Users
India’s broader crypto adoption continues to accelerate. As of 2025:
- Active crypto users stood at approximately 119 million
- Transaction volumes reached $2.36 trillion between July 2024 and June 2025, a 69% YoY increase
- Nearly 75% of crypto activity originated from non-metro regions, driven by remittances and mobile-first access
Industry estimates suggest India’s crypto user base will grow to over 123 million by the end of 2026, reinforcing its position as the world’s largest crypto adoption market.
Why Crypto SIPs Are Gaining Momentum
Several factors are fueling this trend:
- Low entry barriers for retail investors
- Growing regulatory clarity globally
- Increased awareness of long-term investing strategies
- Automated onboarding and recurring investment features
As crypto matures in India, SIP-style investing is becoming the default approach for new entrants—much like mutual funds did in traditional finance.
The Road Ahead
With disciplined investing gaining traction and millions already contributing monthly, crypto SIPs are poised to play a central role in India’s digital asset market. If current trends hold, systematic investing could define the next phase of crypto adoption in the country—shifting focus from speculation to sustained participation.
Disclaimer: This article is for informational purposes only and does not constitute investment advice. Cryptocurrency investments are subject to market risks.