What fees do I pay when converting crypto to INR?

Up to five: the network fee your wallet charges to send, the spread hidden in the rate, the platform's own fee, an INR withdrawal fee on some exchanges, and 1% TDS where it applies. A direct offramp has no INR withdrawal fee because it pays straight to your bank.

Is a zero-fee crypto platform really free?

Usually not. Platforms that advertise zero fees often earn from a wider spread, which means a worse rate. Compare the final INR you receive, not the headline fee.

Who charges the network fee?

The blockchain does, and your sending wallet or exchange collects it. It isn't charged by the platform that buys your crypto. It's cheapest on networks like Tron, BNB Smart Chain, Polygon and Solana.

No. TDS is tax collected in advance. It's credited to your PAN, shows in Form 26AS / AIS and can be claimed against your final tax. See our crypto tax and TDS guide.

Fees · 6 min read

Crypto to INR Fees Explained: What You Actually Pay

Every fee involved when converting crypto to INR in India — network fees, spreads, platform fees, withdrawal fees and TDS — and how to compare platforms fairly.

By Bryan Aaron · Updated 19 October 2026

Quick answer

Converting crypto to INR in India can cost up to five things: the network (gas) fee, the exchange-rate spread, a platform fee, an INR withdrawal fee and 1% TDS where it applies. The fair way to compare platforms is the final rupee amount that reaches your bank for the same crypto at the same moment.

Two platforms can advertise the "same" USDT rate and pay you very different amounts. That's because the cost of converting crypto to INR is spread across several places. Here's every one of them and how to compare properly.

Crypto to INR fee breakdown: network fee, exchange-rate spread, platform fee, INR withdrawal fee and 1% TDS, with an example for 1,000 USDT — The 5 cost layers when you sell crypto for INR, with a worked example. Illustrative numbers; compare the final INR, not the headline fee.

1. Network (gas) fee

Paid to the blockchain when you send crypto, and charged by your wallet or exchange — not by the offramp. It depends on the network: TRC20, Solana, Polygon and BSC are cheap; ERC20 and Bitcoin can be expensive when the network is busy.

2. Exchange-rate spread

The difference between the market rate and the rate you're offered. Many platforms advertise "zero fees" and earn entirely from a wide spread. It's the hardest cost to see because it's buried in the rate.

3. Platform fee

An explicit fee for the conversion. On Disburz today it's ₹50 fee + 3 USDT network deduction per USDT sale, charged by the payout partner and shown in your quote before you send. Fees can change; the pricing page always shows the current numbers.

4. INR withdrawal fee

Some exchanges charge a flat fee to move INR from your exchange wallet to your bank. With a direct offramp there's no intermediate INR wallet — the payout goes straight to your account.

5. TDS

Not a fee, but it reduces the cash you receive at the time of sale where it applies. It can be claimed against your tax liability. Details in our crypto tax and TDS guide.

How to compare platforms fairly

Ignore the headline rate and compare the final INR that reaches your bank for the same amount of crypto, on the same network, at the same moment. That single number includes the spread, the platform fee and any withdrawal fee. The Disburz calculator shows that number before you send.

Worked example (live)

Paid to your bank	₹95,662.00
Arrives at Disburz	1,000 USDT (TRC20)
Network deduction	− 3 USDT
Rate	1 USDT = ₹96.00
Converted value	₹95,712.00
Fee	− ₹50.00

These numbers come from today's live quote and update with it.