SIP, answered.

Yes, at any time, with no fee. You can also change the amount or the cadence on a running SIP, or stop it entirely.

No. A Crypto SIP is an entry-price-smoothing mechanism, not a return-generating mechanism. The returns are produced by the underlying asset, which can rise or fall over any holding period. The cadence reduces the impact of any single entry price on the overall cost basis, which is structurally helpful for volatile assets but does not eliminate the possibility of loss.

Mechanically, both work the same way: fixed INR, fixed cadence, automatic buy at the prevailing price. The difference is the asset purchased. A Crypto SIP into Bitcoin builds a single-asset position over time. A Crypto SIP into a Crypto Index builds a diversified basket position. The minimum amount for a Crypto Index SIP is ₹2,000 per cadence; the fee structure uses the basket rate of 0.35 percent instead of the single-asset rate of 0.4 percent.

No tax applies on each cadence buy. The buys accumulate at their respective cost bases. Tax applies when you eventually sell the accumulated holding, at the standard VDA rate of 30 percent flat plus 4 percent cess on the realised gain under Section 115BBH. The cost basis is the average cost across all the SIP buys, weighted by the quantity acquired in each. The platform tracks this automatically and provides the cost-basis figure for tax-return purposes at year-end.

The SIP runs on the scheduled cadence regardless of market direction. When prices are lower, the same rupee amount buys more units, which is the cost-averaging effect the SIP is designed to produce. The position value reflects the market price; when the market falls, the position value falls with it, partially offset by the additional units acquired at lower prices. The discipline of the SIP is that it does not respond to short-term market movement; it executes on the calendar.

Yes, mechanically. Dollar cost averaging is the term used in US markets for the same approach: a fixed amount of the local currency, invested on a regular cadence. Rupee cost averaging is the same concept applied with INR. The mathematical effect is identical: the harmonic mean of prices weighted by cadence sits below the arithmetic mean of the same prices, producing a lower average cost basis than a fixed-quantity or single-shot approach.

Weekly cadence captures the most intra-period price variation and produces the largest cost-basis-smoothing effect, because the cadence buys at more distinct prices. Monthly cadence is administratively simpler and matches typical income cycles. For most retail investors, monthly is sufficient to capture the bulk of the effect, especially in highly volatile assets like crypto. Biweekly sits between the two. The minimums on Qatobit are ₹500 for weekly or biweekly into a single asset, and ₹2,000 for monthly or for any Crypto Index SIP.

Larger. The cost-basis-smoothing effect depends on the variance of prices across the cadences. Higher variance means a wider gap between the arithmetic mean and the harmonic mean. Crypto's volatility, which runs multiples of equity volatility, amplifies the effect significantly compared to traditional asset classes. The mechanic is structurally well-matched to crypto for exactly this reason.

Most retail investors cannot time crypto markets in any sustained way. Crypto's volatility (annualized in the 50 to 80 percent range historically, multiples of equity) produces a price environment where ordinary noise is much larger relative to any timing signal. Combined with the behavioural biases that operate against retail timing decisions (recency bias, loss aversion, action bias), the practical result is that timing attempts produce worse outcomes than a cadenced approach over the same period. The exception is a small number of professional traders with risk management discipline; this is not the retail investor case.

In trending markets, lumpsum mathematically outperforms because more capital is exposed earlier. In volatile markets with periodic deep drawdowns, SIP often outperforms because cadenced buying accumulates more units during drawdowns. Crypto sits in the latter category. For an investor with a lump available and conviction in the current market position, a hybrid approach (deploy a portion as lumpsum, run the rest as SIP) preserves directional exposure while reducing timing risk on the remainder. The choice depends on conviction and tolerance for being wrong.

The framing of the question is the problem. The investor able to identify the best time to buy in advance is rare; the investor able to identify it consistently over multiple cycles is rarer still. The practical answer for most retail investors is to remove the question from the buying process by running a cadenced SIP. The cadence buys across the price range over the SIP period, which is what produces a smoothed cost basis without requiring the investor to be right about any individual buy date.

A recurring crypto investment invests a fixed rupee amount into a crypto asset or a Crypto Index. It happens automatically on a scheduled cadence (weekly, biweekly, or monthly). The cadence executes regardless of market conditions, and the investor's cost basis is the average price across all the cadence buys. On Qatobit, the setup supports two product variants: recurring auto-buy of a single asset and Crypto SIP into a Crypto Index (QSI Core, QSI Growth, QSI VRION, or QSI GEQ8).

Yes. On Qatobit, you can set up a recurring auto-buy of Bitcoin (or any supported asset) with a cadence of weekly, biweekly, or monthly. The minimum is ₹500 for weekly or biweekly cadences, and ₹2,000 for monthly cadences. The cadence executes through the linked bank account's standing instruction. Bitcoin is credited to the platform account on each cadence execution. The recurring auto-buy is one of two product variants. The other is a Crypto SIP into a Crypto Index, which spreads the cadence buy across multiple assets per the index methodology.

The minimum is ₹500 for a weekly or biweekly Crypto SIP into a single asset, and ₹2,000 for a monthly Crypto SIP. A Crypto SIP into any Crypto Index requires a minimum of ₹2,000 per cadence at all cadences. The minimums are designed to keep the per-transaction fees economically reasonable relative to the SIP amount.

The minimum on Qatobit is ₹500 per cadence for weekly or biweekly SIP into a single asset (such as Bitcoin or Ethereum), or ₹2,000 per cadence for any Crypto Index SIP at any cadence and for monthly SIP into a single asset. The minimum is per cadence, not per year. A ₹2,000 monthly SIP into QSI Core runs as twelve ₹2,000 purchases through the year, totaling ₹24,000 deployed annually.

The 1 percent TDS under Section 194S applies on transfers of virtual digital assets (sales and crypto-to-crypto trades). The buy-side SIP cadence does not trigger TDS, because the cadence is an INR-to-crypto purchase, not a transfer. TDS becomes relevant when you eventually sell the position. The 30 percent flat tax under Section 115BBH applies on gains at the time of sale. The Crypto SIP setup itself does not create TDS events.

Yes. Qatobit supports SIP into any of the four QSI Crypto Indices (QSI Core, QSI Growth, QSI VRION, QSI GEQ8) at the ₹2,000 per cadence minimum at weekly, biweekly, or monthly cadence. A Crypto Index SIP buys the basket as a single product, with the index methodology handling diversification across the constituent assets and monthly rebalancing maintaining target weights. The setup steps are the same as for a single-asset SIP; only the underlying choice differs. **Disclaimer** Crypto investments are subject to market risk and volatility. Past performance is not indicative of future returns. This is not investment advice. Please consult a qualified financial advisor before investing. *Written by [Manjusri](/about/team/manjusri), Content Operations, Qatobit.*

Crypto's drawdown profile means that allocations evaluated over short horizons (one to three years) face a meaningful probability of being underwater for a significant portion of the holding period. Allocations over longer horizons (five to ten years and beyond) face the same drawdown sequences but capture the recovery and the asset class's longer-term behaviour. The horizon should match the rest of the portfolio's purpose: crypto allocated against a near-term goal is exposed to drawdown risk that the goal's timing cannot absorb; crypto allocated against a long-horizon goal sits within a holding period long enough for the asset class behaviour to play out. **Disclaimer** Crypto investments are subject to market risk and volatility. Past performance is not indicative of future returns. This is not investment advice. Please consult a qualified financial advisor before investing. *Written by [Rudra](/about/team/rudra), Head of Marketing, Qatobit.*

The minimum is ₹500 for weekly or biweekly cadences and ₹2,000 for monthly cadences. For a Crypto SIP into a Crypto Index (QSI Core, QSI Growth, QSI VRION, or QSI GEQ8), the minimum is ₹2,000 per cadence at all cadences. The platform deposit minimum is ₹200, which applies independently of the recurring investment configuration.

The cadence still executes. The buy is made at the prevailing market price on the cadence date, which during a drawdown is lower than the recent average. The fixed rupee amount buys more units than it would at a normal price level, which is exactly what cadenced buying is designed to do: accumulate units counter-cyclically. The investor's emotional experience during a drawdown may be uncomfortable, but the mechanism is working in their favour. Across a full cycle, the cadences during drawdowns typically end up being the most productive ones in cost-basis terms. **Disclaimer** Crypto investments are subject to market risk and volatility. Past performance is not indicative of future returns. This is not investment advice. Please consult a qualified financial advisor before investing. *Written by [Manjusri](/about/team/manjusri), Content Producer, Qatobit.*

No. A bigger amount scales the rupee outcome. The price path, the fee rate, and the tax rate stay the same whether the cadence amount is ₹500 or ₹50,000.

No. Tax applies only when you sell the index or the asset. The index's internal monthly rebalance is a separate event, and nothing is taxed until you exit the position.

No. Buying, holding and selling crypto is legal since the Supreme Court struck down the RBI's banking ban in March 2020. A SIP is a recurring purchase and carries no separate legal status of its own.

Yes, under today's law, which covers tax and anti-money-laundering registration. A product-specific licence is exactly the gap the July 2026 committee report asks Parliament to close.

Most do not. Tax under Section 115BBH only applies on the day you sell. A calculator built around a running projection has nothing to show until you enter a sale date.

Because a projection depends on a market forecast nobody can make. Contribution, units, fee and tax are fixed by your own inputs and by statute.

No. A SIP contribution is a purchase, and a purchase alone does not create a tax event under Section 115BBH.

Yes. Open your own statement and look for the same five things: your contribution, any assumed-return figure, a tax line, a TDS line, and a transaction fee line.

A weekly or biweekly Crypto SIP into a single cryptocurrency starts at ₹500 per instalment. The monthly minimum is ₹2,000. Any Crypto SIP into a QSI Crypto Index starts at ₹2,000 per instalment, whatever the cadence.

A monthly SIP gets one instalment a month to carry the commitment, so its floor is set at ₹2,000. Weekly and biweekly SIPs reach the account more often. Each instalment can carry ₹500 and still add up to a comparable monthly total.

No. A Crypto SIP into a Crypto Index always starts at ₹2,000 per instalment, whatever the cadence. Every index purchase has to clear the index's own ₹2,000 per-index minimum. The ₹500 floor applies only to a SIP into a single cryptocurrency.

No. The ₹500 and ₹2,000 floors apply to a SIP into a single cryptocurrency whichever asset is selected. The floor depends on cadence, and on whether the SIP buys one coin or a Crypto Index.

A Crypto SIP debits on a fixed schedule regardless of what the index reads that day, so checking it first does not change what happens. The relevant check is simpler: confirming the debit fired on its date. Rupee cost averaging depends on the schedule holding, regardless of what the mood score reads that day.

A Crypto SIP buys on its set schedule regardless of what the report says that day. Averaging the price it pays across many such dates, rather than trying to pick the right one, is the entire mechanism.

Skipping a scheduled SIP date to wait for a decision is a timing bet. Rupee cost averaging only works when every scheduled purchase happens, regardless of the news sitting around it that week.