Indian Crypto Investors Double Down on Diversity and SIPs in 2025

Indian crypto investors are diversifying portfolios, with women’s participation doubling and average holdings rising to five tokens. SIPs and institutional activity surged, while Tier-2 and Tier-3 cities drove growth.

CoinDCX’s 2025 annual reports reveal a significant transformation in India’s crypto investment landscape. Women’s participation in crypto doubled year-on-year, with Kolkata, Delhi, and Mumbai leading among metros, and non-metro cities like Bhubaneswar and Kochi showing strong growth. The average investor now holds five tokens, up from two or three in 2022, reflecting a shift from single-asset speculation to diversified, research-driven portfolios. Layer-1 tokens account for 43.3% of holdings, while Bitcoin remains the most held and Ethereum the most traded asset, with major cities like Bengaluru and Pune seeing ETH trading volumes surge up to tenfold. Systematic investment plans (SIPs) in crypto soared, with participation up over 600% and more than 572,000 SIPs created in 2025. Institutional involvement increased, with VIP users contributing half of CoinDCX’s trading volume. The average investor age rose from 25 to 32, indicating greater financial stability. CoinDCX now has over 20 million verified users, with 40% from Tier-2 and Tier-3 cities, and maintains robust proof-of-reserves and investor protection funds. Theme-based investing and yield-earning products are also on the rise, signaling a maturing and more stable market.