Unlike lump-sum crypto purchases, a crypto SIP allows investors to invest a fixed amount at regular intervals, typically weekly or monthly, into digital assets such as Bitcoin or Ethereum. The approach is designed to average out purchase costs over time and reduce the impact of short-term price swings.
According to a new behavioural survey by crypto platform Mudrex, crypto SIP openings on its platform grew more than 220% in 2025, with average monthly contributions rising to ₹4,000–₹6,000 by December.
The findings are part of the company’s How India Trades Crypto 2026 report, which surveyed more than 6,000 active crypto traders and investors across 22 states.
From speculation to allocation
The report suggests that a growing section of Indian crypto users are treating digital assets as a satellite allocation within a broader investment portfolio rather than as a high-risk speculative bet.
Nearly 48.4% of respondents said they allocate less than 10% of their total portfolio to crypto, while more than 70% keep their exposure below 25%. At the same time, 41.2% identified themselves as long-term buy-and-hold investors, making them the largest investor group in the survey.
Industry experts say this mirrors a broader shift in investor behaviour seen in traditional financial markets, where regular investing through SIPs has become a popular wealth-building strategy.
“There’s a dated perception that India’s crypto users are speculative traders chasing the next price move. This survey shows that most Indian crypto traders and investors are systematic, patient and measured under pressure,” said Edul Patel, Founder and CEO of Mudrex.
Why investors are using crypto SIPsCrypto SIPs are gaining traction for several reasons:
- Volatility management: Regular investing can help reduce the risk of entering the market at a peak.
- Lower entry barriers: Investors can start with relatively small amounts instead of making large lump-sum investments.
- Habit formation: Automated investments encourage consistent saving and investing behaviour.
- Long-term exposure: Investors seeking exposure to digital assets over several years may find SIPs easier to manage than frequent trading.
How a crypto SIP works
- Select a regulated exchange.
- Complete KYC verification as required by Indian regulations.
- Choose cryptocurrencies to invest in.
- Set investment parameters including amount, frequency, and schedule.
Regulatory backdrop
The growing popularity of crypto SIPs comes even as India’s digital-asset sector continues to operate under an evolving regulatory framework. Crypto gains are currently taxed, but the industry has been seeking greater policy clarity on issues ranging from classification of digital assets to broader market oversight.
