Crypto Tax Calculator India 2026
Calculate your 30% flat tax on Bitcoin and crypto profits under Section 115BBH. Free tool for Indian investors.
Calculate Your Crypto Tax
Enter your buy price, sell price, and quantity to calculate tax under Indian law.
Enter buy price, sell price, and quantity to see your tax calculation.
Crypto Tax Rules in India 2026
India introduced specific crypto tax laws from FY 2022-23 under the Finance Act 2022. Here is what every Indian investor needs to know.
Flat 30% tax on all virtual digital asset (VDA) gains. No deductions except cost of acquisition. No tax slabs apply.
Tax Deducted at Source on every crypto sale above Rs 10,000/year. Deducted automatically by exchanges. Claimable as refund in ITR.
Crypto losses cannot be offset against income from salary, stocks, or other sources. Cannot be carried forward to future years.
All crypto transactions must be disclosed under Schedule VDA in ITR-2 or ITR-3. Mandatory from FY 2022-23 onwards.
Full Breakdown of Crypto Tax in India
How to Pay Crypto Tax in India -- Step by Step
- 1Download Your Trade History
Export all crypto transactions from your exchange (CoinDCX, Binance, OKX etc.) for the financial year (April 1 to March 31). Most exchanges provide a CSV tax report in the settings section.
- 2Calculate Profit on Each Trade
For every sale, subtract the purchase price from the sale price and multiply by quantity. Only profitable trades attract 30% tax. Use the calculator above for each trade.
- 3Check TDS Already Paid
Log in to Form 26AS on the Income Tax portal (incometaxindiaefiling.gov.in) to see all TDS deducted by your exchange under Section 194S. This is the 1% already paid on your behalf.
- 4Pay Advance Tax If Needed
If your total crypto tax liability exceeds Rs 10,000 in a year, you must pay Advance Tax in instalments (by June 15, September 15, December 15, and March 15). Late payment attracts interest under Section 234B and 234C.
- 5File ITR with Schedule VDA
Report all crypto profits in Schedule VDA when filing your ITR. Use ITR-2 (capital gains) or ITR-3 (business income). Mention each VDA transaction with acquisition cost, sale price, and profit. Deadline: July 31 for non-audit cases.
TDS Refund -- Can You Get It Back?
Yes, you can get TDS refunded if the total tax you owe is less than the TDS already deducted. This happens when:
- You made a loss on crypto (no tax owed, but 1% TDS was deducted anyway)
- Your total income is below the basic exemption limit (Rs 3 lakh under new regime)
- TDS was deducted at source but your actual 30% tax on profit is lower than TDS paid
File your ITR before July 31. Show the TDS deducted in Schedule VDA. The Income Tax department will process your refund within 3 to 6 months if you have a valid bank account linked to your PAN. Track your refund on the IT portal under "Refund/Demand Status".
Which ITR Form for Crypto in India?
ITR-2
For individuals with capital gains
- Suitable for investors who buy and hold crypto
- Report crypto under Schedule VDA as capital gains
- Applicable if you have salary income plus crypto gains
- Cannot be used if crypto trading is your main business
ITR-3
For business or professional income
- Required if crypto trading is your primary business
- Allows deduction of business expenses (equipment, internet)
- Subject to audit if turnover exceeds Rs 1 crore
- More complex -- consider a CA for this
ITR-1 (Sahaj) does not have Schedule VDA and cannot be used for crypto income. Always use ITR-2 minimum if you have any crypto transactions.
Best Exchanges for Auto TDS Deduction
Indian exchanges registered with FIU-IND are legally required to deduct 1% TDS on your behalf and file TDS returns. This protects you from compliance risk.
CoinDCX
- FIU-IND registered -- legally compliant in India
- Automatically deducts 1% TDS on every sale and deposits with IT department
- TDS shows up in your Form 26AS within 30 days
- Provides annual tax report (trade history CSV) for ITR filing
- Supports UPI, NEFT, IMPS for INR deposits
SmartViewAI may earn a referral commission if you sign up via our CoinDCX link. This does not affect our editorial stance.
Crypto Tax India -- Frequently Asked Questions
How much tax on Bitcoin profit in India?
Bitcoin profits are taxed at a flat 30% rate in India under Section 115BBH of the Income Tax Act 2022. There is no sliding scale or slab rate for crypto -- it is always 30% regardless of income level. Additionally, 1% TDS is deducted at source on every crypto sale above Rs 10,000 per year. You cannot claim deductions such as exchange fees or internet charges against crypto gains.
What is TDS on crypto in India?
TDS (Tax Deducted at Source) on crypto in India is 1% deducted from every sale transaction exceeding Rs 10,000 in a financial year. Indian exchanges like CoinDCX deduct this automatically and deposit it with the government under your PAN. You can see TDS deducted in your Form 26AS. If your total tax liability is lower than the TDS paid, you can claim a refund by filing your ITR.
Can I offset crypto losses in India?
No. Under Section 115BBH, crypto losses cannot be set off against any other income including salary, business income, or gains from stocks and mutual funds. Crypto losses also cannot be carried forward to future years. This is one of the strictest crypto tax rules in the world. Each crypto trade is evaluated independently and only gains are taxable.
How to file crypto tax return in India?
You must report all crypto transactions under Schedule VDA (Virtual Digital Assets) in your ITR. Use ITR-2 if you treat crypto as capital gains, or ITR-3 if as business income. Download your trade history from your exchange (CoinDCX provides a tax report), calculate profit on each trade at 30%, and report it in Schedule VDA. The deadline is July 31 for individuals without audit. You can also use a CA or crypto tax software to help.
Track Unrealized Gains and Tax Exposure in Real Time
SmartViewAI connects to your exchange via read-only API and shows live unrealized gains, realized profits this year, and estimated tax liability -- all before you make a trade.
Disclaimer: This calculator is for informational purposes only and does not constitute legal or financial advice. Tax rules may change. Always consult a qualified Chartered Accountant (CA) for personalized advice. The 30% rate and 1% TDS information is based on the Finance Act 2022 and amendments known as of July 2026. SmartViewAI is not a tax professional or a SEBI-registered advisor.