Crypto SIP Calculator for Indian Investors
Your Investment Projection
When you're new to crypto in India, the biggest hurdle isn't learning how blockchain works-it's finding an exchange that actually works with your bank. You don't need another platform that talks big but won't let you deposit ₹100. That's where ArthBit steps in. Launched in January 2021 and built for Indian users, ArthBit promises simple, instant crypto buying with UPI, mobile wallets, and even NEFT/RTGS. But does it deliver? Or is it just another app with flashy ads and no real depth?
What You Can Actually Do on ArthBit
ArthBit isn’t trying to be Binance or Coinbase. It doesn’t offer futures, margin trading, or staking with 15% APY. What it does offer is clean, straightforward spot trading. You can buy and sell 43 cryptocurrencies, including Bitcoin, Ethereum, Solana, Cardano, Dogecoin, and even lesser-known tokens like Decentraland and VRA. The platform also supports its own token, ARTH, which is tied to the ARTH stablecoin project.The real difference? Everything runs in INR. You don’t need to buy USDT first. You deposit rupees directly. That’s huge for people who’ve struggled with foreign exchange limits or complex on-ramps. You can start with as little as ₹100. No minimum balance. No hidden fees for small trades. That’s rare in a market where most exchanges push you toward bigger deposits.
There’s also a SIP (Systematic Investment Plan) feature. If you want to invest ₹500 every Monday into Bitcoin without thinking about it, ArthBit lets you set that up. It’s not unique-Coinbase and WazirX have it too-but for many Indian users, automation is the only way to stay consistent with crypto investing.
How Easy Is It to Get Started?
Signing up takes less than five minutes. Go to the website or open the app (available on both App Store and Google Play), tap ‘Sign Up’, enter your email and password, then verify your inbox. That’s it. No phone number required upfront. You’ll need to complete KYC later to withdraw, but you can trade small amounts without it.KYC is automatic. Upload your Aadhaar or PAN card, take a selfie, and the system verifies you in under 10 minutes. No human review. No waiting days. That’s a big win compared to exchanges that still manually check documents. The platform says it uses blockchain-based KYC, but honestly, it’s just a fast digital form with facial recognition. Still, it works.
Payment Methods That Actually Work in India
This is where ArthBit shines. It supports:- UPI (Google Pay, PhonePe, Paytm)
- Mobile wallets (like Paytm Wallet)
- IMPS
- NEFT/RTGS
- Debit and credit cards
Most exchanges in India dropped UPI after RBI warnings in 2022. ArthBit brought it back. And it’s fast. Deposits show up in seconds. Withdrawals to your bank take 1-2 hours. No delays. No “processing” status that lasts all day.
Withdrawals to crypto wallets? You can send BTC, ETH, or any supported coin out in minutes. The network fees are standard-no surprise charges. You see the exact fee before confirming. That’s more than you can say for some bigger exchanges.
Prices and Market Data: What You’re Really Paying
ArthBit’s prices are slightly higher than global averages. Bitcoin was trading around ₹10,858,506 on their site, while CoinGecko showed ₹10,600,000. That’s a 2.4% premium. Ethereum was ₹399,000 vs. ₹385,000 elsewhere. That spread isn’t unusual for Indian exchanges-they have to cover banking costs and risk.But here’s the catch: ArthBit isn’t tracked by CoinMarketCap. That means no verified volume data. No rankings. No historical charts. You can’t compare its trading activity to others. That’s a red flag for serious traders. It doesn’t mean the exchange is fake-it just means it’s small. If you’re buying ₹5,000 worth of DOGE for fun, it doesn’t matter. If you’re trading ₹5 lakh a day, you’ll want a platform with real liquidity.
App Experience: Built for Mobile-First India
The ArthBit app is clean. No clutter. No pop-ups. The home screen shows your portfolio, recent trades, and a simple “Buy” button. You can toggle between BTC, ETH, and ARTH with one tap. The charts are basic but functional-no fancy indicators, just 1D, 7D, 30D views. Perfect for beginners.The Android app is listed under Business & Productivity > Finance on Google Play. It has over 500,000 downloads. The iOS version is smaller but stable. No crashes. No login issues. That’s more than I can say for some exchanges with 10x the users.
Security: What They Claim vs. What You Can Verify
ArthBit says it uses “best-in-industry blockchain-based solutions” and works with “top risk management and asset insurance providers.” But they don’t name the insurer. No proof of reserves. No third-party audit reports. That’s a problem.They do have automatic KYC/AML, which is good for compliance. They also use two-factor authentication (2FA) via Google Authenticator. That’s standard. But no cold storage details. No multi-sig wallets. No transparency about where your coins are stored. If you’re holding more than ₹50,000, you should move it to a hardware wallet. ArthBit is fine for buying and short-term holding, not long-term storage.
Who Is ArthBit Really For?
This isn’t the exchange for crypto whales or algorithmic traders. It’s for:- First-time buyers in India who want to start with ₹100
- People who use UPI daily and hate switching apps
- Those who want SIPs without complicated setups
- Users tired of waiting 3 days to withdraw rupees
If you’re looking for low fees, deep liquidity, or advanced trading tools-go to WazirX, CoinSwitch, or ZebPay. ArthBit isn’t competing there. It’s competing on simplicity and speed for everyday Indians.
The Bottom Line
ArthBit isn’t perfect. It’s not tracked. It doesn’t publish audits. Its prices are higher than global averages. But it solves one real problem: making crypto buying as easy as paying your phone bill. For millions of Indians who’ve never held crypto before, that’s powerful.If you’re just starting out, want to automate small investments, and need UPI to work without hassle-ArthBit delivers. If you’re already deep in crypto and trading large sums? Look elsewhere. But for the average Indian user? It’s one of the few exchanges that actually feels made for them.
I tried ArthBit last month after my bank blocked me from buying crypto elsewhere... and honestly? It worked. No drama. No waiting. I sent ₹200 via PhonePe and got BTC in 12 seconds. That’s magic in 2025.
why is everyone actin like this is the holy grail?? its just another exchange with upi... i used wazirx for 3 years and never had an issue... also why no coinmarketcap? red flag.
For people just dipping their toes in-this is actually the best on-ramp I’ve seen. No overcomplicated UI, no hidden fees, no ‘you need to deposit $500 first’ nonsense. I showed my mom how to buy $10 of ETH on it last week. She didn’t cry. That’s a win.
I’m from Nigeria but I’ve been using ArthBit for my sister in Delhi-she’s a teacher, makes ₹35k/month, and uses this to SIP ₹500 into BTC every week. She doesn’t even know what blockchain is. She just knows it works. That’s the real win here. 🙌
wait so u can buy crypto with paytm?? like... the same paytm i use to pay for chai?? that's wild. i thought u needed like... a bank account or something. so its just... u open the app, tap paytm, boom btc??
As an Indian who has watched this space since 2018, I can say this is the first platform that truly understands the rhythm of our daily lives. We don't need margin trading. We need to buy crypto while waiting for the bus. We need UPI. We need SIP. We need no paperwork. ArthBit gets it. The premium? Acceptable. The convenience? Priceless.
The 2.4% premium is a tax on ignorance. This isn't an exchange-it's a convenience fee wrapped in a mobile app. If you're not monitoring the global price feed, you're getting scammed. And no audit? That’s not ‘small’-that’s reckless.
Oh look, another ‘for Indians’ platform. Next they’ll say it’s ‘designed by chai-wallahs’. Meanwhile, the US and EU exchanges are building DeFi protocols and this one lets you buy DOGE with Paytm. Progress? Or just colonial capitalism repackaged?
No proof of reserves? No third-party audit? You're telling me people are trusting this with their life savings? This is how you get a 2025 version of Mt. Gox. They’re not ‘small’-they’re invisible. And invisible = dangerous. Don’t be the sucker who loses ₹5 lakh because they liked the clean UI.
I appreciate the simplicity. I am not a trader. I am a teacher. I wish to accumulate Bitcoin slowly and securely. ArthBit offers exactly that. The absence of advanced features is not a flaw-it is a feature for the majority. One does not need a Ferrari to commute to work.
I’ve seen this movie before. First they make it easy. Then they lock your funds. Then they disappear. Why does every ‘Indian-friendly’ crypto platform end up being a Ponzi with a UPI button? It’s not innovation-it’s exploitation dressed as inclusion.
i just tried it and it said my aadhaar was invalid but i used it for pan and it worked?? so is it just glitchy or do they hate people with aadhaar?? also the app crashed twice when i tried to buy 100rs of shib. this feels like a beta test
Okay I just wanna say I love this so much. I’m 67 and I’ve been trying to get into crypto for years but every app felt like a spaceship manual. ArthBit? I opened it, clicked buy, picked Bitcoin, put in ₹500, used my UPI, and boom-it was done. My grandson didn’t even have to help me. I feel like I’ve finally joined the future. Thank you to whoever built this. 🥹❤️
Ugh. Another ‘for the masses’ platform. How quaint. Real investors don’t use UPI. Real investors use cold wallets and institutional APIs. This is like handing a Ferrari to someone who only knows how to ride a bicycle. Cute. But irrelevant.
Lmao. They say 'no human review' KYC but the app is literally just a bot that checks if your selfie matches your Aadhaar. And you call that security? Bro. Your face is now in a database owned by some startup in Bangalore. Good luck explaining that to your grandkids when the government starts tracking crypto wallets.