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India Crypto Tax 2026

30% flat. 1% TDS. No loss set-off. The Income Tax Department sees every trade. Here's what you must know.

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The 30% Flat Tax

All crypto gains taxed at 30% + 4% cess = 31.2% effective. Same rate whether you earn ₹3 lakh or ₹3 crore. Only deduction allowed: cost of acquisition.

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The No Loss Trap

Make ₹1L profit on BTC, lose ₹1L on ETH? You STILL pay ₹30K tax on the BTC gain. Losses cannot offset gains. Each trade is taxed independently.

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Schedule VDA Filing

Report every trade in Schedule VDA of your ITR: acquisition date, sale date, cost, sale value, gain. Use Koinly or KoinX to auto-generate from exchange data.

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Legal Ways to Save

Hold instead of trade (defer tax). Earn via staking (slab rate, not 30%). Gift to lower-income family. Time sales across financial years. Keep precise records.

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