Calculate your exact tax liability under Section 115BBH — the 30% flat rate on VDA gains, 4% health & education cess, and 1% TDS credit. Free, instant, no signup needed.
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All Trades — FY 2025-26
CoinBuy Price (₹)Sell Price (₹)Quantity
Tax Summary — All Trades
No loss offsetting: Under Section 115BBH, losses on one coin cannot be offset against gains on another. Each asset is taxed independently on its own net gain.
SIP / Dollar-Cost Averaging Calculator
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SIP Tax Summary
SIP note: Each monthly purchase creates a separate taxable lot. There is no long-term capital gains benefit for crypto — 30% applies regardless of holding period. Use Koinly or ClearTax Crypto to auto-calculate per-lot gains for your ITR filing.
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India Crypto Tax Rates — FY 2025-26
30%
Income Tax
Section 115BBH — flat rate on all VDA gains, no deductions allowed except cost of acquisition
4%
Health & Edu Cess
Charged on the income tax amount — bringing effective rate to 31.2% on all gains
1%
TDS at Source
Section 194S — deducted by exchanges on trades above ₹10,000. Claimable as credit in ITR
Example: On a ₹1,00,000 gain — Tax: ₹30,000 → Cess: ₹1,200 → Total: ₹31,200 (31.2%). TDS already deducted by your exchange (₹1% of sale value) is claimed as credit in Form 26AS when you file your ITR.
Frequently Asked Questions
Cryptocurrency gains in India are taxed at a flat 30% under Section 115BBH, plus 4% Health and Education Cess on the tax amount — an effective rate of 31.2%. This applies to all Virtual Digital Asset gains regardless of how long you held the asset. Unlike equity, there is no LTCG benefit for long-term crypto holders.
A 1% Tax Deducted at Source (TDS) applies to every crypto transaction above ₹10,000 under Section 194S. Your registered exchange deducts this automatically. The TDS amount appears in your Form 26AS as a tax credit — you claim it when filing your ITR to reduce your final tax payment. If TDS exceeds your liability, you get a refund.
No. Under Section 115BBH, losses from one cryptocurrency cannot be offset against gains from another. You also cannot carry forward crypto losses to future financial years. If you lost ₹5 lakh on altcoins and gained ₹8 lakh on Bitcoin, you pay full 30% tax on the ₹8 lakh gain — the altcoin loss is ignored.
Yes. Swapping one cryptocurrency for another — for example selling Bitcoin to buy Ethereum — is a taxable disposal of the first asset. The gain equals the fair market value of the received asset at the time of the swap minus the cost of the disposed asset, and is fully taxable at 30% plus cess.
Crypto income is declared under Schedule VDA in ITR-2 (for individuals with capital gains, no business income) or ITR-3 (for business income). You must report every buy, sell, and swap with dates, INR amounts, and gain or loss on each transaction. ITR-1 does not support VDA reporting.
Yes, but differently. Staking rewards are taxable as income when received, at your applicable income tax slab rate — not the 30% VDA rate. Record each reward with the date and INR value on the day received. When you later sell those staked coins, any gain above that recorded cost is taxed at 30%.
Disclaimer: This calculator is for informational purposes only and does not constitute tax or financial advice. Tax laws may change. Consult a qualified Chartered Accountant for complex situations including DeFi activity, mining income, foreign exchange holdings, or crypto received as salary. Results are based on Section 115BBH and Section 194S as applicable for FY 2025-26.