Education, research, and long-form articles on index-led crypto investing from the BitSave team.
Most crypto apps in India are built for trading: live prices, charts, alerts and futures. A long-term investor needs none of it. BitSave leaves it out: no order book, no derivatives, no price alerts or marketing notifications, one NAV a day, and a SIP that runs on its own.
Zakhil Suresh
November 10, 2026
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Crypto tax in India is 30% on gains, with 1% TDS on transfers, no loss set-off and no lower rate for holding longer. A BitSave investor pays the same tax. What differs is when: tax falls due when you redeem units, not when the index rebalances, and TDS is deducted and reported for you.
Zakhil Suresh
November 10, 2026
There is no crypto mutual fund in India: SEBI-regulated funds cannot hold crypto. A BitSave crypto index SIP works like your index fund SIPs, with units, a daily NAV and an expense ratio. What changes is the rulebook: no SEBI oversight, 30% tax with no loss offset, and much larger falls.
Shiv Ram Pande
November 3, 2026
A zero-fee crypto app still has a cost. It sits in the price you get: the spread between buy and sell, slippage on larger orders, and the gap between an instant-buy quote and the order book. To measure it, buy and sell the same amount and compare what comes back.
Zakhil Suresh
November 3, 2026
A safe crypto platform lets you verify rather than trust. Look for four things: reserves matched against liabilities, customer assets held off the company's balance sheet, proof that assets are not lent out, and insurance placed on the assets. Then ask what each one does not prove.
Shiv Ram Pande
October 27, 2026
Withdrawing crypto in India means selling your crypto assets to receive rupees to a bank account in your KYC name. On BitSave you redeem units, not coins: priced at the next NAV cut-off and paid to your registered bank within 2 business days.
Shiv Ram Pande
October 26, 2026
BitSave runs through three entities, and none holds investor assets. A third-party custodian does, off the company's books, and each investor holds unit tokens issued to them. If BitSave shuts down, investors choose: redeem to rupees, or move the assets to their wallets.
Shiv Ram Pande
October 16, 2026
Rupee-cost averaging invests a fixed sum on a schedule, buying more units for you when the price falls and fewer when it rises. A BitSave SIP buys at that day's NAV. Through the rises and the falls, you average out your price. It does not prevent losses, and a lump sum wins if price rises steadily.
Shiv Ram Pande
October 10, 2026
Due diligence for offering the right crypto product in an exchange usually means checking that a token is legitimate to list. But, a long-term crypto investor needs a second test: whether you can stay invested in it through its worst year, and whether you know how it behaves.
Shiv Ram Pande
October 7, 2026
A crypto index holds coins chosen and weighted by published rules, and changes them on a schedule. It takes over the hardest calls in picking coins: what to buy, how much and when to offload. It does not take away volatility. Most of the weight still sits in the largest assets.
Shiv Ram Pande
September 30, 2026
Crypto investing in India is legal, taxed at 30% on gains and reported on every buy and sell. For a beginner, the order of decisions determines the app you want to use for investments. Decide how much and what to own. Understand where it is held and how you buy before narrowing down to the one.
Shiv Ram Pande
September 28, 2026
You are not choosing between PF, NPS and Bitcoin. Those are happening whether you think about them or not. The question is whether anything you hold leaves you room to move toward the life you actually want, and whether you would still be holding it in year six.
Shiv Ram Pande
September 25, 2026
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