Nowadays, buying crypto in India has become super easy, especially after the introduction of the UPI payment. A few years back, Indian users had a struggle with bank transfers and complicated KYC verifications, but in 2025 the scene has been totally changed. This time you can buy crypto assets in just 2 minutes only with the help of the simple UPI process.
This article will guide you step-by-step. How to buy crypto with UPI in India and how to choose the best crypto exchange. What are the recent government updates saying? Safety points should be kept in mind.
Choose a Trusted Exchange That Accepts UPI
First, choose a trusted crypto exchange. Not every app does not support the UPI payment system, but some Indian exchanges have officially launched the UPI payment system.
Top 4 exchanges where you can buy crypto with UPI:
I am also using the Exchange. When I buy crypto like BTC, then you can use a trusted app.
1. CoinDCX – Safe and beginner-friendly; UPI transfer within seconds.
2. ZebPay—One of India’s oldest crypto exchanges with strong security.
3. Binance India Gateway—Binance has now provided a deposit option through an Indian UPI partner.
4. Bitbns – Easy KYC, fast UPI transactions, and good liquidity.
Tip: Always use verified and RBI-compliant platforms when 2FA (two-factor authentication) is enabled. These exchanges have been trusted and safe.
You can easily buy crypto with UPI on CoinDCX, a trusted Indian exchange approved for safe trading.
Complete Your KYC Verification
KYC verification is mandatory for trading on crypto exchanges in India. This process is simple:
By uploading the Aadhaar card and the PAN card
By completing selfie verification
Verify mobile number and email. With this step, whenever you log in to Exchange, you can get a push notification on email via OTP.
Usually, this process is completed in 10–15 minutes. Once approved, you can deposit through UPI and start buying crypto.
Deposit Money Using UPI
Now comes the main part—how to deposit INR using UPI.
Steps:
1. Open the “Deposit INR” section in the app.
2. Select “UPI” in the Payment option.
3. Enter your UPI ID (like rahul@upi).
4. After confirming, you will receive a UPI request on Google Pay / PhonePe / Paytm.
5. Balance is added instantly as soon as the payment is complete.
Typically, the deposit limit starts at ₹100, and the credit is received instantly.
Buy Crypto with UPI (Instantly)
Now you are ready to buy crypto using your UPI balance.
Example:
Go to the “Buy” section.
Select your crypto (Bitcoin, Ethereum, Solana, Pi, etc.)
Enter the amount—for example, ₹500
Then click “Buy Now.”
The cryptocurrency has been added to your wallet after purchase. That is the simple
Also read AI Coins 2025, “Explore future crypto trends like AI coins.”
Transfer your Crypto into a Safe Wallet
If you’re a long-term holder, keeping your crypto on an exchange can be risky. The best practice is to transfer your crypto to a secure wallet. I will also transfer my crypto into a wallet for my safety. You can also follow my steps.
Best wallets for Indian users:
Trust Wallet
Ledger Nano X (hardware wallet)
Metamask
Those wallets are secure and have full control of your funds.
Legal Status of Crypto and UPI in India (2025 Update)
The Indian government hasn’t officially banned crypto, but regulation is clearly underway in 2025. Exchanges must register with the Financial Intelligence Unit (FIU).
The UPI system falls under the NPCI and now operates through a partnership model with approved exchanges. This means that buying crypto with UPI is now a safe and legal process, as long as you’re using a verified exchange.
Important Safety Tips Before You Buy Crypto with UPI
1. Always enable 2FA on your account.
2. Never share OTP or UPI PIN with anyone
3. Avoid fake links or Telegram groups claiming discount coins.
4. Double-check the receiver name before UPI payment.
5. Track Crypto prices before buying — The Crypto market is highly volatile.
Final Words: UPI is Changing Crypto Buying in India
Earlier, buying crypto used to feel like rocket science—but this time, UPI has madebuying crypto easy. If you are a beginner & pro, no one matters. Buying Crypto UPI in 2025 has become a fast and secure method.
Just remember—always choose verified exchanges, follow basic security rules, and get smarter with your investment planning.
This article is only for educational purposes; no financial advice has been given. Do your own research before investing. (DYOR)
Muddu – Crypto Enthusiast & Analyst
Muddu has been actively involved in the crypto world for more than 3 years, closely tracking Bitcoin, altcoins, and emerging blockchain projects. With hands-on experience in crypto trading, market analysis, and following global regulations, he simplifies complex crypto trends into easy-to-understand insights for readers.
Through FastCryptoBuzz, Muddu aims to bring honest, research-driven, and timely crypto updates that help readers stay ahead in the fast-moving digital asset space. His mission is to make crypto knowledge accessible to everyone – from beginners to seasoned investors.
“Crypto is not just about coins, it’s about building the future of finance.” – Muddu