Qatobit vs ZebPay CryptoPacks and the ₹100 Bitcoin SIP

Last verified: 9 September 2026

What each product is

ZebPay's CryptoPacks page describes the packs as "well-balanced portfolios designed by experienced professionals". The page also promotes a Risk and Reward Rating and a profit-and-loss view for tracking a pack's progress.

Qatobit's QSI Crypto Indices are four permanent allocation products, each designed and rebalanced by Qatobit on a documented, published methodology with monthly rebalancing. An investor holds proportional exposure to every asset in the index, rather than picking coins one at a time. Every holding is named on the product page (Brand/PRODUCT_KNOWLEDGE.md).

ZebPay CryptoPacks at a glance against Qatobit

• Product structure: ZebPay CryptoPacks are pre-balanced bundles curated by "experienced professionals," with no fixed number of packs stated on the feature page. Qatobit QSI is four fixed indices, each a standing allocation product.
• Constituents published: ZebPay's CryptoPacks feature page names no holdings, weights or coin lists for any pack. Every Qatobit QSI index names every holding on its product page.
• Weighting rule and rebalance calendar: not published on any ZebPay page read this run. Qatobit's methodology is documented per index, with monthly rebalancing stated on every index page.
• Fee to buy a pack: 0 percent on ZebPay. 0.35 percent of the transaction amount on a Qatobit QSI index.
• Fee per rebalance: 0.1 percent "whenever rebalanced" on a ZebPay CryptoPack. 0.35 percent of the transaction amount on a Qatobit QSI index, the same rate that applies to a buy.
• Fee to sell out of a pack: 1 percent on ZebPay. No exit fee, lock-in or minimum holding period on any Qatobit QSI index, at any point.
• Annual management fee: not stated on ZebPay's pricing page for CryptoPacks. None on any Qatobit QSI index.
• SIP: ZebPay's Bitcoin and crypto SIP runs from ₹100 per installment, daily, weekly or monthly, into one chosen coin, separate from a CryptoPack. Qatobit's Crypto SIP into a QSI index starts at ₹2,000 per cadence.
• Single-asset fee: ZebPay's spot maker and taker fee starts at 0.45 percent at the entry tier, 30-day volume up to ₹5 lakh. It steps down to 0.03 percent at the highest tier. Qatobit's single-asset buy or sell fee is a flat 0.4 percent.
• INR deposit and withdrawal: ZebPay's instant and manual INR deposits are free. Its INR withdrawal carries a flat ₹15 fee. Qatobit's INR deposit and withdrawal both carry a ₹200 minimum with no fee either way.
• Inactivity fee: ZebPay charges 0.0001 BTC or its equivalent a month on an account that buys or sells nothing. Qatobit charges nothing for inactivity.
• Custody, as published: ZebPay says crypto assets are managed "in partnership with trusted institutional custody providers," not named on the pages read this run. Qatobit also states institutional custody without naming the partner.
• Proof of reserves: ZebPay's own site carries an educational blog post on what a proof-of-reserves audit is. No live proof-of-reserves report or attestation for ZebPay's own holdings was found on zebpay.com this run. Qatobit's proof of reserves is live, available at any time.
• Scale: ZebPay states over 6 million registered users and nearly $22 billion in cumulative volume since its 2014 launch. Qatobit does not publish a user count.

Source: zebpay.com/in/features/cryptopacks, zebpay.com/in/features/pricing and zebpay.com/in/features/sip, read 9 September 2026. Also zebpay.com/in/features/security, zebpay.com/in/about-us and zebpay.com/in/blog/can-i-start-crypto-sip-with-500-on-zebpay, read the same day. Brand/PRODUCT_KNOWLEDGE.md is the Qatobit source.

What does a year of investing ₹2,000 a month cost in fees on each platform?

Twelve monthly instalments of ₹2,000 put ₹24,000 into either product over a year, with no performance assumed on either side.

On a ZebPay CryptoPack: buying costs 0 percent, so the twelve buys cost ₹0 in buy fees. ZebPay's rebalancing fee is 0.1 percent "whenever rebalanced," an event with no published calendar. One rebalance of the full ₹24,000 balance costs ₹24. Selling the full ₹24,000 back out at year end costs 1 percent, or ₹240. Fees identified this way come to ₹264 across the year, before counting any rebalance beyond the one assumed here.

On a Qatobit QSI index: each ₹2,000 instalment carries the 0.35 percent transaction fee, or ₹7 per instalment. Twelve instalments cost ₹84 across the year. There is no exit fee, so a full withdrawal at any point costs nothing beyond what was already paid on the way in.

Where ZebPay is genuinely stronger

ZebPay has been operating since 2014. Its own security page states "over 11 years of operation," and its about-us page confirms the 2014 launch and a return to India in March 2020. It states over 6 million registered users and nearly $22 billion in cumulative volume. Its Bitcoin SIP entry point is ₹100 per installment, twenty times lower than Qatobit's ₹2,000 SIP minimum into an index. Buying into a CryptoPack costs 0 percent. ZebPay's security page states it is "Registered with the Financial Intelligence Unit (FIU)-India". It also states it is "Prevention of Money Laundering Act (PMLA) Compliant". It lists membership in the Bharat Web3 Association and the Digital Economy Council of Australia. ZebPay is also a far broader platform. Spot markets, perpetual futures, an earn product and hundreds of coin pairs sit alongside CryptoPacks, none of which Qatobit offers.

Where Qatobit is stronger

Every QSI index names every holding. Its methodology is documented and published before launch, with monthly rebalancing stated on the index page. ZebPay's CryptoPacks feature page names no constituents, weights or rebalance calendar for any pack. A Qatobit QSI index carries no fee to sell and no exit load at any holding period. A ZebPay CryptoPack costs 1 percent to sell out of, plus 0.1 percent whenever it rebalances. Qatobit's proof of reserves is live and available at any time. ZebPay's own site carries an explainer on what proof of reserves is, rather than a live report for its own holdings. INR deposit and withdrawal on Qatobit both carry a ₹200 minimum with no fee. ZebPay's INR withdrawal carries a flat ₹15 fee. Qatobit charges nothing for an inactive account. ZebPay charges 0.0001 BTC a month on an account that buys or sells nothing.

The QSI indices, in full

Qatobit sells four QSI Crypto Indices. QSI Core holds Bitcoin, Ethereum, Gold and a stable reserve (USDT Earn). QSI Growth holds Bitcoin, Ethereum, Solana, Gold and a stable reserve (USDT Earn). VRION, the full-conviction index, holds Bitcoin, Ethereum and Solana, with no hedge layer. QSI GEQ8 holds eight global companies across three sleeves. The platform sleeve is Apple, Amazon, Alphabet, Meta Platforms and NVIDIA. The digital finance sleeve is Coinbase and Robinhood Markets, and the innovation sleeve is Tesla. No single holding sits above 15 percent or below 3 percent, and the composition is reviewed quarterly.

Every holding on every index is named on its product page. Each index rebalances monthly on a documented, published methodology. The minimum to invest in any index is ₹2,000, and a Crypto SIP into an index starts at ₹2,000 per cadence. The fee to buy, sell or rebalance any QSI index is 0.35 percent of the transaction amount, shown before confirmation. There is no annual management fee on any index, and no exit load, lock-in or minimum holding period at any point. Deposits and withdrawals move over INR bank rails, NEFT, RTGS or IMPS, with a ₹200 minimum and no fee on either side.

Who should choose which

A first-time investor who wants to put ₹100 into Bitcoin, and see how a SIP feels before committing more, fits ZebPay's Bitcoin SIP. Qatobit's ₹2,000 SIP minimum into an index is a bigger first step. An investor who wants to see exactly what a basket holds, and on what schedule, before putting money into it fits a Qatobit QSI index. ZebPay's CryptoPacks feature page does not publish that for any pack. Someone who wants perpetual futures, a wide spot market or many coin pairs is a ZebPay use case Qatobit does not serve. Qatobit sells four indices and single-asset buy or sell, with no futures and no leverage.

How this page was checked

Every ZebPay figure above was re-read from ZebPay's own live pages on 9 September 2026. Six pages were read: ZebPay's CryptoPacks, pricing, Bitcoin SIP and security feature pages, its about-us page, and a SIP explainer on ZebPay's own blog. Every Qatobit figure is from Brand/PRODUCT_KNOWLEDGE.md. This page is rechecked against its sources on a monthly refresh, and the Last verified line above changes in place when it is.

A Crypto SIP into a coin or an index does not have to be a one-time decision. Rupee cost averaging is the mechanic behind both ZebPay's SIP and Qatobit's cadence into an index. How to start a Crypto SIP step by step walks through setting one up. For a reader still weighing a single coin against a basket, crypto index or individual coins, what each one asks of you lays out the choice directly.

Frequently asked questions

Does ZebPay publish what is inside a CryptoPack?

Not on the CryptoPacks feature page as read on 9 September 2026. The page describes packs as curated by "experienced professionals," with a Risk and Reward Rating, but names no constituent coins, weights or rebalance calendar for any pack.

What is the minimum to start a Bitcoin SIP on ZebPay?

₹100 per installment, daily, weekly or monthly, stated on ZebPay's own blog and features pages as read this run. That is lower than Qatobit's ₹2,000 SIP minimum into a QSI index.

Does a Qatobit QSI index charge anything to exit?

No. There is no exit fee, lock-in or minimum holding period on any QSI index, at any holding period. The only charge on an index is the 0.35 percent fee applied when a buy, sell or rebalance transaction happens.

Is ZebPay registered with any Indian regulator?

ZebPay's own security page states it is "Registered with the Financial Intelligence Unit (FIU)-India". It also states it is "Prevention of Money Laundering Act (PMLA) Compliant", as read on 9 September 2026.

Does ZebPay publish live proof of reserves?

Not for its own holdings, as far as this page could find on 9 September 2026. ZebPay's site carries an educational blog post on what a proof-of-reserves audit is, but no live report or attestation for ZebPay's own assets. Qatobit's proof of reserves is live and available at any time.

Crypto investments are subject to market risk. Not financial advice.