By Lal Singh Ripple (XRP) continues to receive strong attention from Indian Crypto investors in 2026. With improvements to regulatory clarity, financial institutions (FIU) registered exchanges, and increasing the adoption of Ripple worldwide, it’s become easier and more transparent for Ripple to buy in India. This guide explains how to buy Ripple in India in 2026, covering legality, steps, exchanges, security, and taxes.
Is Ripple (XRP) Legal in India in 2026?
India does not consider cryptocurrencies as legal tender but the government accepts cryptocurrencies as Virtual Digital Assets (VDA). You can buy, sell, and hold XRP in India legally through an FIU-registered crypto exchange by completing the necessary KYC and adhering to the tax rules.
A recent Madras High court order boosted investor confidence by identifying cryptocurrencies, such as XRP with intangible but ownable property. This move enhances legal protection for Indian crypto investors and promotes broader adoption.
What Is Ripple (XRP)?
Ripple is an international digital payment network that was created by Ripple labs. XRP serves as the native token of the Ripple ecosystem and allows fast, low-cost cross-border transactions. Unlike Bitcoin, XRP doesn’t rely on mining. The network confirms transactions within 3-5 seconds and it handles 1,500 transactions per second.
Banks and financial institutions throughout the globe use Ripple technology that gives XRP a place to have real-world use beyond trading and speculating.
Best Exchanges to Buy Ripple in India
Some of the trusted Indian exchanges are providing banking of XRP using an Indian rupee (INR) account as deposits in 2026. Popular FIU-registered platforms include:
- CoinDCX
- CoinSwitch
- WazirX
- ZebPay
These platforms adhere to Indian rules on AML, support INR as a method of payment and provide secure XRP storage methods.
How to Buy Ripple in India: Step-by-Step Guide
You can buy Ripple in India by following these simple steps:
Step 1: Create an Exchange Account
Sign up for crypto exchange in India using your email address and mobile number.
Step 2: Complete KYC Verification
Upload your PAN card, Aadhaar card and bank details to fill in mandatory KYC. Exchanges are required to take this step as part of Indian compliance.
Step 3: Deposit INR
Add funds to your exchange wallet via UPI, IMPS, NEFT, or RTGS. Some platforms do permit deposits starting from as low as ₹100.
Step 4: Buy XRP
Search for an XRP/INR trading pair, put in the amount you would like to invest and confirm it. The exchange credits XRP directly to your wallet immediately.
Why Indians Are Buying Ripple in 2026
Several factors contribute to XRP’s popularity in India:
- Fasts Transactions: XRP does not take more than seconds for settling payments.
- Low Fees: There are very low costs in the form of transaction charges on the network.
- Legal Progress: Global regulatory clarity, such as the US SEC’s lawsuit against Ripple dropping, helps to build more confidence in the Ripple market.
- Real-World Use: The platform is used by financial institutions for international payments by Ripple.
- Eco-Friendly Design: XRP uses energy intensive mining to avoid the energy-intensive mining.
Ripple vs Bitcoin: Key Differences
Ripple looks to enhance the existing financial system, while the vision of Bitcoin is to replace it. XRP is much faster than bitcoin and uses a tremendous amount of energy. Bitcoin is based on mining and proof-of-work while Ripple has a consensus mechanism with validators.
XRP Taxes in India
India applies strict tax rules on crypto investments:
- A tax of 30% is charged for profits made from selling XRP.
- A clutch of 4% cess is applied on top of the tax.
- A 1% TDS is applied in crypto transactions above the above threshold.
You should keep track of all the transactions and report gains wisely and report in case of income tax returns.
How to Store Ripple Safely
Exchanges ensure convenience, but long-term investors should store XRP in personal wallets. For maximum security, you can use non-custodial wallets such as Xumm or Exodus as well as hardware wallets such as Ledger or Trezor. Always use two-factor authentication and strong passwords.
Final Thoughts
Buying Ripple in India in 2026 has become easier, safer, and more regulated. With registered exchanges like that of FIU, clear legal rights, and also a solid application in the real-world economy, the cryptocurrency XRP continues to be just one of the most well-known cryptocurrencies for Indian investors. Always invest wisely, follow tax rules, and use secure platforms when purchasing Ripple in India.