Crypto SIP Returns Soar but Reality Check Reveals Uncertain Future
India has seen a surge in crypto SIP (Systematic Investment Plan) returns, with some investors experiencing gains of over 60% year-on-year across major exchanges. But what do these returns actually look like when stripped of marketing hype? According to industry estimates, a ₹1,000 monthly Bitcoin SIP started in 2016 would be worth between ₹35-55 lakh by early 2026. However, this figure is largely driven by Bitcoin's early years trading at hundreds of dollars.
The reality is that crypto SIP returns can be far higher than equity SIPs in good years and significantly lower in bad ones. The Indian tax regime also plays a significant role, with a flat 30% plus 4% cess on gains, regardless of holding period. This makes it essential for investors to understand the mechanics of their chosen platform.
One such platform is SunCrypto, which offers flexible SIP options starting from ₹100 per instalment and allows daily, weekly, or monthly deductions. The exchange also has a fee structure that genuinely affects outcomes, with no buying charges on SIP purchases and zero fees to start a SIP.