India's crypto market is witnessing a significant shift as women investors emerge as an increasingly stabilising force, with 46.4% of women crypto investors exhibiting higher conviction in buy-and-hold strategies compared to 40.7% of men, according to Mudrex's latest survey. Women are approaching crypto with greater patience and discipline, making them an example of responsible investing that can help India's crypto market grow and mature. As per Mudrex's How India Trades Crypto 2026 report, women appear to be more focused on total portfolio health and diversification rather than chasing short-term price spikes, and are more likely to take time to research and observe market cycles before committing capital. By treating crypto as a satellite asset within a larger, balanced portfolio, they inherently lower their exposure to panic-selling, demonstrating the kind of behaviour that turns a volatile asset class into a sustainable wealth-creation tool.
According to a new behavioural survey by crypto platform Mudrex, crypto SIP openings on its platform grew more than 220% in 2025, with average monthly contributions rising to ₹4,000–₹6,000 by December. The findings are part of the company's How India Trades Crypto 2026 report, which surveyed more than 6,120 active crypto traders and investors across 22 states. Unlike lump-sum crypto purchases, a crypto SIP allows investors to invest a fixed amount at regular intervals, typically weekly or monthly, into digital assets such as Bitcoin or Ethereum. Prateek Gupta, Head of Business at Mudrex, noted that investors are not just claiming they think long-term, they are putting money in, month after month, demonstrating real commitment to disciplined investing. The growing acceptance of systematic investing is another sign of the market's evolution, with investors increasingly treating cryptocurrencies as a component of diversified portfolios rather than an all-or-nothing wager.
The report suggests that a growing section of Indian crypto users are treating digital assets as a satellite allocation within a broader investment portfolio rather than as a high-risk speculative bet. Nearly 48.4% of respondents said they allocate less than 10% of their total portfolio to crypto, while more than 70% keep their exposure below 25%. At the same time, 41.2% identified themselves as long-term buy-and-hold investors, making them the largest investor group in the survey, ahead of short-term traders who accounted for 25.8%. The age-based trends reveal that short-term trading peaks at 32% among the 18-24 cohort and drops steadily to just 7.9% among those aged 55 and above. Edul Patel, Founder and CEO of Mudrex, stated that this survey shows that most Indian crypto traders and investors are systematic, patient and measured under pressure. The long-term turn is not confined to metros, with West Bengal (60%), Rajasthan (51%), Karnataka (51%), and Bihar (48%) all recording buy-and-hold rates above the national figure of 41.2%.
Non-metro and Tier 2 and 3 markets are increasingly becoming the backbone of the next phase of crypto's growth in India, with a decentralisation of the Indian crypto narrative where traders and investors outside traditional metros are adopting a more pragmatic approach. As per Mudrex's survey, nearly 49% of all respondents keep their crypto exposure below 10% of their total portfolio, reinforcing the picture of measured participation. India is already the world's largest crypto market by user count, with non-metro cities accounting for 40% of participation despite representing just 8% of the country's population. Prateek Gupta emphasized that India's crypto investors have already done the hard work of building sound habits, what the market now needs is the policy clarity and institutional infrastructure to match that maturity.
