Crypto Tax Software for India: What the 30% VDA Rules Need
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Short answer
India taxes income from transferring crypto (virtual digital assets) at a flat 30% under Section 115BBH, allows only the cost of acquisition as a deduction, and doesn't let you set off or carry forward VDA losses. Section 194S adds 1% TDS on transfers. Generic crypto tax software calculates gains per trade but is mostly built around US, UK and similar rules, so check that it reports gains per transaction without netting losses and records TDS. Koinly lists INR prices (₹490, ₹990, ₹1,990 per tax year); CoinLedger and CoinTracker list USD prices only.
Last checked 23 Oct 2026 · Tax rules from incometaxindia.gov.in (Sec 115BBH) and TDS on VDA transfers (Sec 194S) · Prices from coinledger.io/pricing, koinly.io/pricing and cointracker.io/pricing
What India’s rules mean for software
Most crypto tax software was built for capital-gains systems where losses offset gains. India’s VDA rules work differently (Section 115BBH):
- Flat 30% on income from each transfer, regardless of holding period or your slab.
- Only cost of acquisition is deductible. Exchange fees, gas and other expenses aren’t.
- No set-off or carry-forward of losses. A loss on one trade doesn’t reduce tax on another.
- 1% TDS under Section 194S on transfers above ₹50,000 a year for specified persons and ₹10,000 for others, or 20% without a PAN (TDS rates).
So what you need from software is a clean per-transaction list of acquisition cost, sale value and dates, with gains summed and losses left out, plus a TDS figure to match against Form 26AS. None of the three pricing pages below mention Schedule VDA by name.
Published prices
| CoinLedger | Koinly | CoinTracker | |
|---|---|---|---|
| Free plan | Import and preview | Free up to 10,000 transactions (preview, no reports) | Free tier |
| ~100 transactions | USD 49 | USD 49 / ₹490 | USD 59 (Base) |
| ~1,000 transactions | USD 99 | USD 99 / ₹990 | USD 199 (Prime) |
| 3,000+ transactions | from USD 199 | from USD 199 / ₹1,990 | USD 299 for 2,500 (Prime+) |
| Billing | One-time per tax year | One-time per tax year | Yearly, auto-renews |
| Refund | Only for a verified software limitation, not after download | 7 days if no report generated | 30 days if no forms downloaded |
| Countries | US-focused exports | 140+ countries | 40+ countries |
Koinly’s INR figures come from the price data on its pricing page; the page shows the currency for your location. CoinLedger and CoinTracker list USD only.
Who each fits, based on published features and pricing
This is a reading of each vendor’s published plans and prices, not a tested recommendation. None of these tools has been tested hands-on for this page, and none is a substitute for a chartered accountant.
- Koinly’s published plans fit users who want to pay in INR and need wide country coverage; preview the India report format before paying.
- CoinLedger’s published plans fit those who also have US tax obligations, such as NRIs or US persons living in India, and want TurboTax or TaxAct exports, with one-time pricing per tax year.
- CoinTracker’s published plans fit users who prefer a yearly subscription with a 30-day refund window if no forms are downloaded.
With any of them, use the free import and preview to check the per-trade gains list against India’s no-netting rule before you pay.
Other countries and tools
- Crypto tax software for the UK
- Crypto tax software for Canada
- Crypto tax software for Australia
- Crypto tax software for New Zealand
- Crypto tax software for the USA
- CoinLedger pricing by tier
- Koinly vs CoinTracker
- Crypto tax software cost calculator
- How to report crypto in your ITR
What this page doesn’t cover
It doesn’t cover Indian exchange-native tax reports, GST on exchange fees, or business-income treatment for frequent traders. Tax rules change each Budget, so check the current rules with the Income Tax Department or a chartered accountant. See crypto tax software costs for a US-focused price comparison.
See CoinLedger plans (opens in new tab)
Frequently asked questions
How is crypto taxed in India?
Under Section 115BBH, income from the transfer of a virtual digital asset is taxed at a flat 30% (plus surcharge and cess). Only the cost of acquisition can be deducted, and a loss on one VDA can't be set off against any other income or carried forward.
What is the 1% TDS on crypto?
Section 194S requires the buyer (in practice usually the exchange) to deduct 1% TDS on payment for a VDA transfer. It doesn't apply below ₹50,000 a year for specified persons or ₹10,000 for others, and the rate rises to 20% if the seller has no PAN. TDS deducted shows in Form 26AS and can be claimed against your tax.
Can I offset crypto losses against gains in India?
No. Section 115BBH bars setting off a VDA loss against any other income, and Income Tax Department guidance also treats losses on one VDA as not set off against gains on another. Software that nets gains and losses into one figure, as US-style reports do, can understate your taxable amount, so check the per-trade detail.
Does Koinly support India?
Koinly's pricing data lists INR prices: ₹490 for 100 transactions, ₹990 for 1,000 and ₹1,990 for 3,000+, per tax year, with a free plan that previews reports. Its India-specific guide page wasn't reachable when checked, so confirm the India report format in the free preview before paying.
Does CoinLedger work for Indian users?
CoinLedger's pricing page lists USD prices and exports for US tax software (TurboTax, TaxAct, H&R Block, TaxSlayer). Its free plan lets you import transactions and preview gains before paying, which is the way to check whether its output works for your Indian return.
Where do I report crypto on my ITR?
VDA income is reported in Schedule VDA of ITR-2 or ITR-3, with one row per transfer showing dates, cost and sale value. Confirm the current form on the e-filing portal or with a chartered accountant, as forms change each assessment year.