Crypto Deposit Fee Calculator

Work out what depositing rupees into a crypto exchange costs: the fee with GST, its effective rate, what reaches your account, and what a cheaper method would save.

Your deposit

Optional: blank or 0 for none.

Optional: a charge per deposit.

To compare (optional)

Such as UPI or bank transfer.

Your deposit fee

Enter the amount and the deposit method’s fee, then choose Calculate. Your figures appear here.

Effective Rate

0%

Of the amount deposited

Credited to Your Account

₹0.00

After the fee

To Credit a Round Sum

₹0.00

What to send

With the Other Method

Not set

Enter its fee to compare

Fees a Year

Not set

Enter deposits a month

Deposit Fee

₹0.00

For one deposit

Fees as entered; exchanges and payment gateways change their charges and limits, so check yours. Depositing rupees is not taxed, and the 1% TDS applies only when you sell. To send crypto in from another exchange, use the Crypto Withdrawal Fee Calculator.

How it is calculated

Deposit fees are usually a percentage of the amount, sometimes with a fixed charge, and exchanges in India add 18% GST to the fee. Some take the fee out of what you send; others add it on top.

  • Fee = (amount × fee % + fixed fee) × (1 + GST)
  • Taken out = credited = amount − fee
  • Added on top = you pay = amount + fee; the amount is credited
  • Effective rate = fee ÷ amount deposited
  • To credit a round sum = (sum + fixed fee × (1 + GST)) ÷ (1 − fee % × (1 + GST)), when the fee is taken out

Frequently asked questions

Short answers on deposit fees, payment methods and what reaches your exchange account.

What depositing rupees costs and what reaches your exchange account. Deposit ₹10,000 through a payment gateway charging 1.5% with 18% GST taken out of the deposit: the fee is ₹177, an effective 1.77%, and ₹9,823 is credited. To get exactly ₹10,000 credited, send ₹10,180.19. A free method such as UPI would save the ₹177, or ₹8,496 a year at four deposits a month.

Bank transfers by IMPS, NEFT or RTGS and UPI are often free or cheap on Indian exchanges, though some charge a small fixed fee or limit how much you can send. Payment gateways, net banking through a gateway and cards usually cost more, often 1% to 2.5% plus GST, in return for being quick. Check your exchange’s fee page, as charges and limits change.

GST is charged on the service, not on your money. The rupees you deposit are not taxed, but the exchange’s or payment gateway’s fee for handling them is a service, charged 18% GST in India. So a 1.5% fee costs 1.77% once GST is added.

Most exchanges do not charge to receive crypto, but sending it costs a network fee, paid by whoever sends it from the wallet or exchange it comes from. Sending from another exchange means paying that exchange’s withdrawal fee. The Crypto Withdrawal Fee Calculator works that out, and the Crypto Gas Fee Calculator the network fee from your own wallet.

Depositing rupees is not a taxable event, and the 1% TDS applies only when you sell crypto, not when you deposit. The deposit fee does not reduce the 30% tax on crypto gains either, because section 115BBH allows only the cost of acquiring the crypto to be deducted. The Bitcoin Tax Calculator works out the tax on a sale.

Use the cheapest method your exchange offers, usually a bank transfer or UPI, and deposit less often in larger amounts if there is a fixed charge. If you are buying straight away, add the deposit fee to the trading fee to see the full cost of the purchase: the Bitcoin Fee Calculator adds up the trading fee, spread and withdrawal fee for a Bitcoin purchase.

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