01
Country first
If it doesn’t serve India, it doesn’t appear. No global leftovers.
India
One FIU-registered INR exchange. UPI first, Binance later if you must.
CoinDCX, ZebPay and CoinSwitch take UPI. Binance and Bybit can KYC an Indian user but do not take INR onto the book — you still on-ramp locally, then move chain. OKX stays off this list (not FIU-registered).
Local rail
UPI
Example buy
INR 42000
Fee review
August 2026
Exchange matcher · 01 / 02
How will you use it?
The number lists hide
See what you’ll actually pay
Same rupee amount, same frequency, same rail — then the all-in drag. First-buy mode uses the retail button when a platform has one.
Cheapest here (Binance) vs dearest (ZebPay): ₹756 / year
1
Binance
0.10% all-in · ₹42.00 per buy
₹504
2
Bybit
0.15% all-in · ₹63.00 per buy
₹756
3
CoinDCX
0.20% all-in · ₹84.00 per buy
₹1,008
4
CoinSwitch
0.20% all-in · ₹84.00 per buy
₹1,008
5
ZebPay
0.25% all-in · ₹105.00 per buy
₹1,260
Side by side
Compare what matters in India
Sort
| Exchange | Trust | Typical buy | Best for | |
|---|---|---|---|---|
Binance P2P (no UPI to Binance) | 80 | 0.10% all-in ₹42.00 on ₹42,000 via bank | Deepest spot books | See fees |
Bybit P2P (no INR rail) | 76 | 0.15% all-in ₹63.00 on ₹42,000 via bank | Clean pro ticket | See fees |
CoinDCX UPI / bank | 82 | 0.20% all-in ₹84.00 on ₹42,000 via bank | FIU-registered INR | See fees |
CoinSwitch UPI | 78 | 0.20% all-in ₹84.00 on ₹42,000 via bank | App-first INR | See fees |
ZebPay UPI / bank | 80 | 0.25% all-in ₹105.00 on ₹42,000 via bank | Old INR name | See fees |
Links use rel="sponsored nofollow". Typical buy assumes a bank-funded ₹42,000 order. Always confirm the live schedule.
No black boxes
How we pick — and how we get paid
02
True cost, not the headline
Bank or card + retail button or taker fee, in local currency.
03
Trust and ease still count
A cheaper book loses to a safer, simpler app when you said this is your first buy.
04
Commissions can’t buy the rank
Affiliate links, when we add them, never change the score. A failed quality gate just turns the link off.
Questions for India
Can I UPI into Binance?
No. Binance does not restore INR deposits. The usual path is CoinDCX / ZebPay → on-chain → Binance, with TDS and network fees on the way.
Why no OKX?
OKX has sat outside FIU-IND registration and been blocked for Indian IPs. We will not send you there.
What actually costs money?
The exchange taker is often 0.10–0.20%. TDS, the India premium on INR pairs, and the 30% tax on gains are usually larger.
1% TDS on transfers and 30% tax on gains are the real cost most fee tables hide. FIU-IND registration is not an INR banking licence. Do not VPN around a block.