How to Buy XRP in India A Step-by-Step Guide 2025
In the ever-evolving world of digital finance, XRP has become one of the most sought-after cryptocurrencies in India. Known for its fast transaction speeds and low fees, XRP—developed by Ripple Labs—is widely used for cross-border payments and is gaining popularity among Indian crypto investors.
Whether you’re completely new to cryptocurrency or an experienced trader looking to expand your portfolio, this guide will walk you through everything you need to know about how to buy XRP in India in 2025. From choosing the right platform to securing your investment, we’ve got you covered.
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What is XRP?
Before diving into the process of buying XRP, let’s understand what it is.
XRP is a digital asset created by Ripple Labs Inc., primarily designed to facilitate fast, secure, and cost-effective international money transfers. Unlike Bitcoin or Ethereum, which rely heavily on mining or smart contracts, XRP operates on the XRP Ledger, a decentralized blockchain network that supports instant peer-to-peer transactions.
Key Features of XRP:
– Fast transaction speed (~3-5 seconds)
– Extremely low transaction fees
– Scalable for enterprise use
– Widely adopted by financial institutions
Despite Ripple’s ongoing legal battle with U.S. authorities. Securities and Exchange Commission (SEC), XRP remains one of the top 10 cryptocurrencies by market cap and continues to be available on major global exchanges.
Why Buy XRP in India in 2025?
Here are some compelling reasons why Indian investors are increasingly showing interest in XRP:
1. Growing Crypto Adoption: India now ranks among the top countries in crypto adoption, with over 40 million users as of 2025.
2. Low Transaction Fees: Ideal for micro-transactions and remittances.
3. High Liquidity: XRP pairs are available on all major Indian crypto platforms.
4. Regulatory Clarity Improving: Though still evolving, the Indian government is working toward a more structured regulatory framework for digital assets.
5. Potential for Growth: With Ripple expanding partnerships globally, XRP could see renewed growth in value.
Is Buying XRP Legal in India?
Yes, buying and holding XRP is legal in India in 2025. The Reserve Bank of India (RBI) lifted its banking ban on crypto transactions in 2020, and since then, several regulated platforms have emerged.
However, the Indian government has imposed a 30% tax on capital gains from crypto transactions, along with a 1% TDS (Tax Deducted at Source) on every transaction above ₹50,000. Make sure to keep track of your transactions for compliance purposes.
Step-by-Step Guide to Buy XRP in India (2025)
Now that we’ve covered the basics, let’s get into the actionable steps. Here’s how to buy XRP in India in 2025:
Step 1: Choose a Reliable Cryptocurrency Exchange
The first and most important step is to select a trusted and regulated crypto exchange that supports XRP trading.
Top Indian Exchanges That Support XRP in 2025:
| Exchange | Supported Fiat | KYC Required | Wallet Facility |
|———|—————-|—————|——————|
| WazirX | INR | Yes | Yes |
| CoinDCX | INR | Yes | Yes |
| Binance (via P2P or Global) | INR/USDT | Yes | Yes |
| ZebPay | INR | Yes | Yes |
| Giottus | INR | Yes | Yes |
> 💡 Tip: Always opt for exchanges registered with the Internet and Mobile Association of India (IAMAI) and follow Know Your Customer (KYC) norms.
Step 2: Create an Account & Complete KYC
Once you’ve selected your preferred exchange, create an account using your email address and mobile number.
Steps:
1. Go to the exchange website/app.
2. Click on “Sign Up” and enter your details.
3. Verify your mobile number and email.
4. Upload identity proof (Aadhaar card, PAN card).
5. Submit a selfie for verification.
KYC usually takes anywhere from a few minutes to 24 hours depending on the exchange.
Step 3: Deposit Funds
After completing KYC, deposit funds into your account using any of the supported methods:
– Bank Transfer (NEFT/RTGS/IMPS)
– UPI (PhonePe, Google Pay, Paytm)
– Credit/Debit Card
Most exchanges allow deposits starting from ₹100.
> ⚠️ Note: Some banks may block crypto-related transactions due to internal policies. If that happens, try using another bank account or payment method.
Step 4: Search for XRP Trading Pair
Once your funds are credited, search for XRP on the exchange.
You’ll likely find two types of trading pairs:
– XRP/INR: Direct purchase with Indian Rupees
-XRP/USDT : Purchase using stablecoins like USDT (if you’re using Binance Global or other international exchanges)
If you’re new, start with the **XRP/INR pair** for simplicity.
Step 5: Place Your Order
Now it’s time to buy XRP.
You can place an order in two primary ways:
1. Market Order
– Buys XRP instantly at the current market price.
– Best for beginners.
2. Limit Order
– Allows you to specify the exact price at which you wish to buy.
– Useful if you’re waiting for a dip.
Choose the amount of XRP you wish to purchase, review the total cost with applicable fees, and then click on “Buy” to complete the transaction.
Step 6: Store Your XRP Securely
Once you’ve purchased XRP, it’s essential to store it in a secure wallet to protect your investment. Most exchanges provide built-in wallets, but they are not the safest long-term option.
Recommended Wallets for Storing XRP:
– Ledger Nano S/X (Hardware wallet – most secure)
– Trust Wallet (Mobile wallet – user-friendly)
– XUMM Wallet (XRP-specific wallet with great features)
> 🔒 Pro Tip: Never leave large amounts of crypto on exchanges. Transfer them to your personal wallet for enhanced security.
Alternative Ways to Buy XRP in India
While using a crypto exchange is the most common method, there are alternative ways to acquire XRP in India.
1. Peer-to-Peer (P2P) Trading
Some platforms like **Binance P2P** allow you to buy XRP directly from other users using INR. This can be helpful during periods of high volatility or when traditional payment methods are blocked.
2. Gift Cards or Vouchers
Although less common, some platforms offer gift cards or vouchers that can be exchanged for XRP. These are typically used for gifting or promotional purposes.
3. Using Stablecoins
If you already hold stablecoins such as USDT or USDC, you can easily swap them for XRP on global exchanges like Binance or KuCoin. Just ensure you complete the necessary KYC and comply with local laws.
Tax Implications of Buying/Selling XRP in India
As per the Finance Act 2022 and updated rules in 2025:
– Flat 30% tax on capital gains from crypto transactions, whether short-term or long-term.
– 1% TDS on every crypto transaction exceeding ₹50,000 in a financial year
– No deduction of losses allowed against other income
Make sure to maintain proper records of all transactions and consult a tax advisor for accurate reporting.
Common Mistakes to Avoid When Buying XRP
1. Not doing enough research – Always verify the authenticity of the exchange.
2. Buying without a plan – Define your investment goals before purchasing.
3. Ignoring security – Use strong passwords and enable 2FA on your accounts.
4. Investing more than you can afford to lose – Start small and scale gradually.
5. Falling for scams – Be wary of fake apps, phishing links, or too-good-to-be-true offers.
Future Outlook of XRP in India (2025–2026)
With Ripple continuing to settle lawsuits and forge new partnerships globally, XRP’s future looks promising. In India, growing retail participation and increasing acceptance by fintech companies could drive demand further.
Moreover, the Indian government is reportedly exploring central bank digital currency (CBDC) and may soon regulate private cryptocurrencies more clearly, potentially benefiting projects like XRP.
Frequently Asked Questions (FAQs) About How To Buy XRP in India A Step-by-Step Guide 2025
🧐 Q1: Can I buy XRP on WazirX?
Yes, WazirX supports XRP trading with INR pairs. You can buy, sell, and store XRP directly on the platform after completing KYC.
📱 Q2: Can I buy XRP using a mobile app?
Yes, most crypto exchanges offer mobile apps for Android and iOS, allowing you to buy XRP on the go.
💸 Q3: How Much the minimum amount of XRP I can buy?
You can buy XRP starting from as low as ₹100, depending on the exchange and market price.
🏦 Q4: Are there any hidden charges?
Exchanges usually charge a nominal trading fee (0.1%–0.5%). Also, remember the 1% TDS on every transaction above ₹50,000.
🔐 Q5: Is it safe to store XRP on exchange wallets?
While convenient, exchange wallets are vulnerable to hacks. For long-term storage, always use a hardware or trusted software wallet.
Final Thoughts
Buying XRP in India in 2025 is easier than ever thanks to the rise of reliable crypto exchanges and improved regulatory clarity. Whether you’re investing for the short term or the long haul, XRP offers unique utility and potential for growth.
Remember to always do your research, choose a trusted platform, and prioritize security. With the right approach, you can safely add XRP to your crypto portfolio and benefit from its promising future.
Ready to Buy XRP?
Start today! Follow the steps outlined in this guide and take control of your crypto journey. And don’t forget to share this article with friends or family who might be interested in learning how to invest in XRP in India.
Stay informed. Stay secure. Happy investing!