Summary of this article
41 percent Indian crypto investors prefer long-term buy-and-hold disciplined approach report says.
91 percent investors avoided panic trading during volatility showing stability trend reported.
Women investors higher long-term adoption with conservative allocations and rising SIPs growth.
Indian crypto investors are increasingly adopting a disciplined and long-term approach to digital assets. A report by Mudrex titled How India Trades Crypto 2026 involving a survey of 6,120 crypto traders and investors across 22 states found that 41.20 per cent of respondents identified themselves as long-term buy-and-hold crypto investors, while 25.80 per cent considered themselves as active traders. Around 21.10 per cent respondents said they were still learning about and exploring the crypto market.
Around 91 per cent of respondents said they avoided panic trading during sharp market movements while only 9 per cent reported panic-selling or chasing market hype. Maharashtra and Telangana recorded the lowest levels of panic-driven behaviour at 3.20 per cent each, followed by Tamil Nadu at 4 per cent. Investor behaviour during periods of market volatility also reflected this trend, the report said.
Who is More Likely to Hold Crypto for the Long Term
The findings found notable differences across age groups. Investors aged 35-44 were the likely to take a long-term approach to crypto at 45.20 per cent. Elsewhere, younger participants were more inclined towards active trading with 32.10 per cent of respondents aged 18-24 seeing themselves as traders. The share of short-term traders gradually declined with age, falling to 7.90 per cent among those aged 55 and above.
Geographically, long-term investing extended well beyond India’s major metropolitan centres. West Bengal recorded the highest share of buy-and-hold investors at 60 per cent, followed by Rajasthan at 52 per cent, Karnataka at 50.90 per cent and Bihar at 48 per cent. The report also noted that 40 per cent of survey participants came from non-metro locations.
How Women Investors Approach Crypto
The report found distinct patterns in how male and female investors approached crypto investing.
According to the report, 46.40 per cent of women identified themselves as long-term holders, exceeding the overall survey average of 41.20 per cent. The report said women investor participation was growing 115 per cent faster than that of men. Additionally, 60.70 per cent of women reported keeping crypto exposure below 10 per cent of their total investment portfolio, compared to 48.60 per cent of men.
The report found that portfolio allocations remained relatively conservative for most investors. Nearly half of respondents (48.40 per cent) allocated less than 10 per cent of their portfolio to crypto. Another 19.40 per cent kept allocations between 10 per cent and 25 per cent, while 10.40 per cent allocated 26-50 per cent to crypto. A further 5.90 per cent invested between 51 per cent and 75 per cent of their portfolio in digital assets.
About 12.60 per cent allocated more than 75 per cent of their portfolio to crypto. Madhya Pradesh dominated the list with 72.70 per cent of investors keeping their crypto exposure below 10 per cent of their total portfolio.
The report also pointed to growing interest in systematic investing. Investment in crypto through systematic investment plans (SIPs) on the Mudrex platform grew by more than 220 per cent in 2025 with average monthly SIP contributions rising to Rs 4,000-6,000 by December.
According to Chainalysis data cited in the report, India had around 119 million active crypto users in 2025, equivalent to roughly 8 per cent of the population.
