A recent survey by Mudrex shows that Indian crypto investors are taking a more disciplined and strategic approach. The How India Trades Crypto 2026 report, which gathered responses from over 6,000 traders and investors in 22 states, found that 91% avoid panic-selling during sharp market drops. Just 9% said they react emotionally by selling out of fear or chasing hype when the market is volatile.
These results challenge the common belief that most Indian retail crypto investors are just speculators. Instead, the survey shows that most investors are taking a careful approach, making portfolio adjustments, planning for the long term, or waiting out market swings instead of acting on impulse.
The report also points out regional differences. In Maharashtra and Telangana, only 3.2% of respondents said they traded out of panic, while Tamil Nadu was close behind at 4%. These numbers are well below the national average, suggesting that investors in these states are more resilient during market downturns.
The survey found that most investors are cautious about how much of their portfolio they put into crypto. About 48.4% invest less than 10% of their total portfolio in crypto, and over 70% keep their exposure below 25%. In Madhya Pradesh, almost three-quarters of respondents limit crypto to under 10% of their portfolio. This shows that most people see digital assets as a supplement, not their main way to build wealth.
Long-term investing is the most popular strategy among those surveyed. About 41.2% said they are buy-and-hold investors, making this the largest group. By contrast, only 25.8% called themselves short-term traders. States like West Bengal, Rajasthan, Karnataka, and Bihar had especially high numbers of long-term investors.
The report found that investors aged 35 to 44 are most likely to stick with long-term strategies, with 45.2% calling themselves buy-and-hold investors. Women showed even more patience, with 46.4% identifying as long-term holders, which is higher than both the male average and the national average.
Mudrex also pointed out that disciplined investing shows up in how people use their platform. Crypto SIP registrations grew by over 220% in 2025, and average monthly contributions rose to between ₹4,000 and ₹6,000 by year-end. The company says these trends show that more investors are choosing systematic investment habits instead of trying to time the market.
These findings come as India remains one of the world’s biggest crypto markets by user numbers. Even with ongoing regulatory uncertainty and the effects of the 30% crypto tax and 1% TDS, the survey suggests that Indian crypto investors are becoming more mature, patient, and focused on building long-term wealth.
Source: mudrex.com
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