On Unocoin, an instant buy of ₹1,000 of Bitcoin carries a 0.5% fee, which is ₹5, plus 18% GST on that fee, which is ₹0.90. So you pay ₹1,005.90 in total, and ₹1,000 worth of Bitcoin lands in your account. Buy the same ₹1,000 through a Systematic Buying Plan (SBP) and the trading fee is 0%. Depositing rupees by IMPS or NEFT is free.
Those are the charges most first-time buyers will ever see. There are three more worth knowing about: maker and taker fees if you use the order book, a network fee if you send Bitcoin out to a wallet, and a monthly custodial fee on inactive trading accounts that people tend to discover late. Then there is tax, which is not a fee but does take money out at the time of a sale. All of it is below, with the arithmetic.
The short answer
- SBP trades: 0%.
- Auto Sell: 0%.
- Instant buy or sell: 0.5% plus 18% GST on the fee.
- Order book: maker 0.2%, taker 0.3%.
- INR deposits, asset deposits, batch BTC withdrawals: free.
- Sending Bitcoin to an address: a network fee set by congestion, shown before you confirm.
- Inactive trading accounts: 0.0001 BTC per month since March 2023, inclusive of 18% GST.
The full schedule lives on Unocoin's fee page, and our fee table summarises it. Fees can change, so check the live page before you rely on any number here.
Instant buy on ₹1,000, worked out
Instant buy is the one-tap option. You enter an amount, the app shows a price, you confirm.
- Amount of Bitcoin you want: ₹1,000.
- Fee at 0.5%: ₹5.
- GST at 18% on the ₹5 fee: ₹0.90.
- Total debited: ₹1,005.90.
Unocoin's fee page shows the same calculation at a bigger size. On a ₹10,000 purchase, the 0.5% fee is ₹50, IGST at 18% on it is ₹9, and the total is ₹10,059. Note what the GST is charged on. It is 18% of the fee, not 18% of your purchase. People sometimes read GST on crypto and assume the government takes 18% of their Bitcoin. It does not work that way here.
The point I make to everyone who asks me about fees is simple. Do not compare percentages across apps. Compare the final rupee figure on the confirmation screen for the same amount. A fee percentage on its own tells you nothing about the price you are quoted, and the price is where the real difference can hide. The final rupee figure and the amount of Bitcoin you receive are the two numbers that tell you what you really paid.
SBP: why it is ₹0
An SBP buys a fixed rupee amount on a schedule you pick: daily, weekly or monthly, from ₹10. On Unocoin, SBP trades carry a 0% fee. So ₹1,000 a month through an SBP costs ₹0 in trading fees, against ₹5.90 for the same amount bought instantly.
Over a year of monthly ₹1,000 buys, that difference is ₹70.80. It is not life-changing money. But for small daily plans the percentage matters more. On a ₹10 instant buy the fee would be five paise plus GST; on a ₹10 SBP it is zero. That is part of why a ₹10 plan can exist at all.
The SBP also does something no fee table shows. Because it buys the same rupee amount each time, it buys more Bitcoin when the price is lower and less when it is higher. That is rupee-cost averaging. It does not reduce risk or promise any outcome. It just takes the guesswork about timing out of your hands. More on how it works on our Bitcoin SIP page.
Maker and taker, if you use the order book
Unocoin also runs an order book for spot trading. Here the fee depends on how your order meets the market.
- Maker, 0.2%: you place an order at a price that does not fill straight away, so it sits in the book and adds liquidity.
- Taker, 0.3%: your order fills immediately against an order already in the book.
On ₹1,000, maker is ₹2 and taker is ₹3. Unocoin's fee page states that IGST at 18% is charged on the transaction fee, so expect that on top. You do not need the order book to buy Bitcoin. Most first-time buyers are better served by an SBP or a simple instant buy.
Withdrawal and network fees
Moving rupees in is free. Moving Bitcoin out to your own wallet is where people get confused, so here is what Unocoin publishes.
Unocoin's fee summary lists batch BTC withdrawals as free, and its Asset Controls feature is described as zero-fee transfers to your own wallet. Separately, Unocoin's fee page says that when sending Bitcoin to a Bitcoin address it collects a fee of 0.0005 to 0.0009 BTC, set dynamically by congestion on the Bitcoin network. Which one applies depends on how you send, and the app shows the fee before you confirm. Read that line every time.
Why should a withdrawal cost anything? Every Bitcoin transaction pays miners to be included in a block. When the network is busy, that cost rises. A platform that batches many withdrawals into one transaction can spread that cost across users, which is how batch withdrawals can be free.
Do not let the fee stop you from testing a withdrawal. The ability to move your Bitcoin out is one of the first things I would check on any platform. Send a small amount once, just to see it work. Our guide on security and self-custody walks through it.
The fee people forget: inactive accounts
Since March 2023, Unocoin's fee page says inactive trading accounts carry a custodial fee of 0.0001 BTC per month, inclusive of 18% GST. It applies only to inactive accounts.
This is the one that can surprise people. Picture someone who buys a little Bitcoin, forgets the app for a couple of years, and comes back to find a smaller balance. If you are not planning to use an account, either keep it active or move your Bitcoin to a wallet you control. Check Unocoin's fee page for how inactivity is defined before you decide.
Where TDS fits
TDS is not a platform fee, but it does reduce what you receive when you sell. Under the Finance Act 2022, 1% TDS applies to transfers of virtual digital assets like Bitcoin above the prescribed threshold. It is calculated on the sale value, not the profit, so it is deducted even if you sell at a loss. It is credited to your PAN, shows in Form 26AS and your AIS, and adjusts against your final tax when you file. If it is more than you owe, you claim the difference back as a refund.
Separately, profits are taxed at a flat 30% plus 4% cess, losses cannot be set off against other income, and every sale is reported in Schedule VDA. Our TDS guide has the thresholds and a worked example. This is general information, not tax advice. Check your own situation with a CA.
A quick checklist before any buy
- Same amount, compare the final rupee total and the Bitcoin you receive.
- If you are buying regularly, use an SBP and pay ₹0 in trading fees.
- Before sending Bitcoin out, read the network fee on the confirmation screen.
- If you are going quiet on an account, decide what to do about the inactive fee.
- Keep a record of every buy and sale for tax.
Fees are one of the few things in Bitcoin you can control completely. Read them once properly and you never have to wonder again. The full fee table is on our home page.
Common questions
Is there GST on crypto trading fees?
Yes. On Unocoin, 18% GST is charged on the transaction fee, not on the amount you buy. On a ₹1,000 instant buy, the fee is ₹5 and GST on it is ₹0.90.
Is SBP really free?
SBP trades on Unocoin carry a 0% trading fee. Bitcoin's price still moves, so a plan can be worth less than you put in.
What is the Bitcoin withdrawal fee?
Unocoin lists batch BTC withdrawals as free and describes Asset Controls as zero-fee transfers. Its fee page says a send to a Bitcoin address carries 0.0005 to 0.0009 BTC, set by network congestion. The app shows the fee before you confirm.
Does Unocoin charge for INR deposits?
No. INR deposits by IMPS or NEFT are listed as free.