Loading…
Loading PaisaToolsLoading…
Loading PaisaTools30% tax + 1% TDS on crypto gains (India)
Reviewed by the PaisaTools Editorial Team · Last reviewed September 2026 · Applicable to FY 2026-27 (AY 2027-28)
How to use: Enter your total buy and sell value — we compute the 30% tax, 4% cess, 1% TDS and what you keep.
ExampleBought ₹1L, sold ₹1.5L → ₹50,000 gain, ₹15,600 tax, you keep ₹34,400
What you paid to acquire the crypto
What you received (or would receive) on selling
India taxes crypto (VDA) gains at a flat 30% + 4% cess under Section 115BBH. Only the cost of acquisition is deductible — no fees, no indexation — and losses can't be set off or carried forward.
Total tax on your crypto gain
₹15,600
Gain taxed at 30% + 4% cess
₹50,000
You keep after tax
₹34,400
1% TDS deducted at sale
₹1,500
The breakdown
The 1% TDS isn't an extra tax — it's deducted at sale and adjusted against this liability when you file. Surcharge (for very high total incomes) isn't included here.
This works out the tax on your crypto (VDA) gains in India under Section 115BBH. Enter what you paid (cost of acquisition) and what you sold for, and it shows the flat 30% tax, the 4% cess, the 1% TDS deducted at sale, and the profit you actually keep.
India's crypto rules are unusually strict. The rate is a flat 30%no matter how long you held — there's no lower long-term rate. The only deduction is the cost of acquisition: not fees, not other expenses, and no indexation. And crucially, losses give you nothing— they can't offset other crypto gains, can't offset salary or capital gains, and can't be carried forward. So two trades, one ₹50,000 gain and one ₹50,000 loss, still leave you taxed on the ₹50,000 gain.
The separate 1% TDSunder Section 194S is collected by the exchange on each sale above the threshold. It isn't extra tax — it's adjusted against your 30% liability when you file your return — but it ties up cash through the year. Planning your overall tax? See our income tax calculator for the rest of your income.
Computed from Section 115BBHof the Income Tax Act (flat 30% tax on income from transfer of Virtual Digital Assets, plus 4% health & education cess, with only cost of acquisition deductible and no set-off or carry-forward of losses) and Section 194S (1% TDS on the transfer value), as notified by the Income Tax Department, Government of India. Surcharge on very high incomes and the TDS thresholds for specified persons are not modelled. Not tax advice.
Free for any site. One line of HTML, no signup, no ads, and we keep the rates and rules current so you never have to.