India Crypto Tax Calculator (FY 2026-27)
Flat 30% tax + 4% cess on crypto profits, plus 1% TDS on transfers. Calculate your total liability.
Crypto Profit Details
Tax (30%)
₹30,000
Health & education cess
₹1,200
4% of tax
Total tax owed
₹31,200
Effective 31.2%
After-tax profit
₹68,800
1% TDS: ₹500
TDS is deducted by the exchange at the time of transfer. It is adjusted against your final tax liability when filing returns.
This calculator provides an estimate based on general FY 2026-27 Income Tax Act rules and is not tax advice. Consult a chartered accountant for your specific situation.
India taxes crypto (classified as a Virtual Digital Asset, or VDA) at a flat 30% rate on all profits, regardless of holding period or income level — plus a separate 1% TDS deducted on every transfer.
Tax Rules
- •Flat 30% tax on all VDA profits under Section 115BBH, plus 4% health and education cess (effective rate ≈ 31.2%).
- •Applies regardless of holding period or income tax slab.
- •1% TDS under Section 194S on transfers exceeding ₹10,000 (₹50,000 for specified persons) in a financial year — deducted by exchange/buyer.
- •No loss set-off allowed — crypto losses cannot offset gains or other income.
- •Applies to crypto-to-INR, crypto-to-crypto trades, and spending crypto.
Worked Example
Profit of ₹1,00,000. Tax = 30% × ₹1,00,000 = ₹30,000, plus 4% cess (₹1,200) = ₹31,200 total tax owed.
Frequently Asked Questions
Can I offset crypto losses against other income in India?
No — crypto losses cannot be set off against crypto gains or any other income.
Does the 30% rate change based on holding period?
No — flat 30% regardless of how long held.
What is the 1% TDS for?
Tax deducted at source by the exchange on each qualifying transfer, adjusted against final tax liability.
Last updated: 2026-10-03
Disclaimer: This calculator provides an estimate based on general FY 2026-27 Income Tax Act rules and is not tax advice. Consult a chartered accountant for your specific situation.