Why This Diwali Is The Right Time To Start A Crypto SIP?

As India celebrates Diwali, the festival of light, prosperity, and new beginnings, people will once again turn their attention to long-term wealth planning. Earlier, gold, mutual funds, and equity SIPs were the preferred choices for long-term investments. However, now experts are increasingly highlighting a new opportunity: the Crypto SIP, or Systematic Investment Plan for digital assets.

A crypto SIP allows investors to contribute a fixed sum at regular intervals, whether it is weekly, biweekly, or monthly, as per their convenience or planning into cryptocurrencies. The method applies the familiar SIP principle of rupee-cost averaging to the digital economy, making investing in crypto more structured and much less speculative. It also enables investors to stay consistent in their approach instead of reacting to short-term cost fluctuations, a behaviour that usually leads to losses in a dynamic market like crypto.

"India's growing comfort with SIP provides very fertile ground for its model. According to AMFI data, mutual fund SIP inflows have hit an all-time high of 22,600 crore in September 2025. Extending this practice into crypto could help investors build exposure gradually and responsibly, reducing the risks associated with market timing," said Vikas Gupta, Country Manager, Bybit India.

In recent years, India has also experienced enhanced digital awareness and comfort with accessing online investing and trading platforms. The convenience of creating an automated crypto SIP through regulated exchanges makes it an attractive investment for salaried professionals who search for systematic and hassle-free investment.

"The timing also aligns well with a more resilient global market environment. Bitcoin prices have risen over 120% year-over-year as of October 2024, which is heavily supported by the renewed institutional participation, and India's regulatory environment is also maturing to take better shape. (FIU-IND), the PMLA Act ensures compliance with domestic financial reporting and investor protection norms. India is leading the global crypto adoption," commented Vikas Gupta.

The 2025 Global Crypto Adoption Index ranked India No.1 overall in adoption and transactions, and some estimates suggest Indians hold the second largest number of bitcoins after the US. It is worth noting that the data also pointed out that a growing segment of investors aged between 25 and 40 is increasingly preferring SIP-style participation in crypto to one-time, speculative trading.

Historical data support that a monthly SIP of Rs 2000 in crypto in the year 2020 would have amounted to a portfolio of approximately 4.3 lakhs today, giving an annualised return of approximately 34%, despite interim market corrections.

Vikas Gupta, Country Manager, Bybit India, advises caution, and new investors are encouraged to start with a minimum or a lower value investment like Rs 500/ 1000 per week and limit the exposure to 1-3% of their portfolio. It is strictly advised to use only FIU-registered platforms and perform a review every quarter to ensure and track progress.

This Diwali, as people review and renew their financial goals, the crypto SIP presents a modern, transparent, and disciplined path to long-term wealth creation. The kind that balances innovation with responsibility. As a popular saying goes, the best time to start investing was yesterday; the next best time is this Diwali.