How much tax do I pay on Bitcoin in India in FY 2026-27?

Under §115BBH gains from virtual digital assets are taxed at a flat 30%, plus a 4% health-and-education cess (effective 31.2%), regardless of income slab or holding period.

Is there any tax-free allowance for Bitcoin gains in India?

No. §115BBH provides no basic exemption or threshold — every rupee of gain is taxable at 30% + cess from the first transaction in FY 2026-27.

Does holding Bitcoin longer reduce the tax rate?

No. India does not distinguish short-term vs long-term for virtual digital assets — the 30% flat rate applies whether you hold for one day or ten years. Simply holding BTC is not a taxable event; tax is triggered only on transfer.

Can I deduct exchange fees or offset losses against other income?

No. §115BBH allows only the cost of acquisition as a deduction. Trading fees, gas fees, and losses from other crypto trades cannot reduce taxable gain, and losses cannot be set off against other income or carried forward.

When is the ITR filing deadline and how does the 1% TDS work?

ITR for FY 2026-27 is due 31 July 2027 for non-audit individuals. The exchange withholds 1% TDS under §194S on the gross sale value of every disposal — credit it against your final 30% liability when you file.

INIncome-tax Act §115BBH (Finance Act 2022) + §194S TDS

Bitcoin Tax Calculator India (June 2026)

Flat 30% income tax on Bitcoin gains under §115BBH, plus 4% cess and 1% TDS on every sale. Enter your numbers below for an instant estimate.

30% flat tax
4% cess
1% TDS on proceeds

Live BTC$6,028,129

Estimate your tax

Sale proceeds (₹)

Cost basis (₹)

Holding period (months)

Estimated tax

₹9,860

Taxable base

₹30,000

Effective rate

32.9%

30% flat + 4% cess + 1% TDS on proceeds. Losses cannot offset other income. Estimate only — consult a qualified tax advisor for filing.

Effective tax rate by gain size (INR)

Allowance and cess/TDS effects mean small gains carry a different effective rate than large ones.

Worked examples

Small retail seller

Proceeds₹200,000

Cost basis₹150,000

Holding6 mo

Estimated tax₹17,600

Effective rate35.2%

Mid-size profit taker

Proceeds₹1,500,000

Cost basis₹800,000

Holding18 mo

Estimated tax₹233,400

Effective rate33.3%

Whale exit

Proceeds₹10,000,000

Cost basis₹3,000,000

Holding36 mo

Estimated tax₹2,284,000

Effective rate32.6%

Bitcoin tax — country comparison

Jurisdiction	Tax year	Headline rate	Allowance	Long-term rule
INIndiaThis page	FY 2026-27	30% flat + 4% cess	None	No benefit — flat regardless of holding
UKUnited Kingdom	2026/27	18% basic / 24% higher	£3,000 / year	Same rate — pooled cost basis (§104)
DEGermany	2026	Marginal income rate	€1,000 / year	0% after >12 months (§23 EStG)
USUnited States	2026	10–37% short / 0/15/20% long	Standard deduction only	Preferential long-term rate after 1 yr

How we calculate

Compute gain = proceeds − cost basis (no fees, no losses offset).
Apply flat 30% income-tax rate under §115BBH.
Add 4% health-and-education cess on the tax amount → effective 31.2%.
Add 1% TDS withheld by the exchange on gross sale value under §194S.
Losses cannot be set off against other income or carried forward.

Sources

Last reviewed: June 2026 · Estimate only. Consult a qualified tax advisor before filing.

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Frequently Asked Questions

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Bitcoin Tax Calculator India (June 2026)

Estimate your tax

Effective tax rate by gain size (INR)

Worked examples

Small retail seller

Mid-size profit taker

Whale exit

Bitcoin tax — country comparison

How we calculate

Share or export this estimate

Frequently Asked Questions

How much tax do I pay on Bitcoin in India in FY 2026-27?

Is there any tax-free allowance for Bitcoin gains in India?

Does holding Bitcoin longer reduce the tax rate?

Can I deduct exchange fees or offset losses against other income?

When is the ITR filing deadline and how does the 1% TDS work?

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