{"id":37798,"date":"2026-01-23T08:11:26","date_gmt":"2026-01-23T08:11:26","guid":{"rendered":"https:\/\/zebpay.com\/in\/?p=37798"},"modified":"2026-01-23T08:14:55","modified_gmt":"2026-01-23T08:14:55","slug":"average-crypto-sip-returns-in-the-last-10-years","status":"publish","type":"post","link":"https:\/\/zebpay.com\/in\/blog\/average-crypto-sip-returns-in-the-last-10-years","title":{"rendered":"Average Crypto SIP Returns in the Last 10 Years"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_66_1 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/zebpay.com\/in\/blog\/average-crypto-sip-returns-in-the-last-10-years\/#Why_Is_Crypto_SIP_Beneficial_for_Long-Term_Investors\" title=\"Why Is Crypto SIP Beneficial for Long-Term Investors?\">Why Is Crypto SIP Beneficial for Long-Term Investors?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/zebpay.com\/in\/blog\/average-crypto-sip-returns-in-the-last-10-years\/#How_Is_Crypto_SIP_Helping_Investors_Diversify_Their_Portfolio\" title=\"How Is Crypto SIP Helping Investors Diversify Their Portfolio?\">How Is Crypto SIP Helping Investors Diversify Their Portfolio?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/zebpay.com\/in\/blog\/average-crypto-sip-returns-in-the-last-10-years\/#What_Is_the_Average_Return_on_a_Crypto_SIP\" title=\"What Is the Average Return on a Crypto SIP?\">What Is the Average Return on a Crypto SIP?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/zebpay.com\/in\/blog\/average-crypto-sip-returns-in-the-last-10-years\/#How_Is_the_Crypto_SIP_Return_Calculated\" title=\"How Is the Crypto SIP Return Calculated?\">How Is the Crypto SIP Return Calculated?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/zebpay.com\/in\/blog\/average-crypto-sip-returns-in-the-last-10-years\/#Historical_Data_on_Bitcoin_SIP_Returns\" title=\"Historical Data on Bitcoin SIP Returns\">Historical Data on Bitcoin SIP Returns<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/zebpay.com\/in\/blog\/average-crypto-sip-returns-in-the-last-10-years\/#SIP_Returns_During_Bull_and_Bear_Markets\" title=\"SIP Returns During Bull and Bear Markets\">SIP Returns During Bull and Bear Markets<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/zebpay.com\/in\/blog\/average-crypto-sip-returns-in-the-last-10-years\/#Bull_vs_Bear_Price_Action_Generic_Market_Chart\" title=\"Bull vs Bear Price Action (Generic Market Chart)\">Bull vs Bear Price Action (Generic Market Chart)<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/zebpay.com\/in\/blog\/average-crypto-sip-returns-in-the-last-10-years\/#Why_Is_Bitcoin_SIP_Important\" title=\"Why Is Bitcoin SIP Important?\">Why Is Bitcoin SIP Important?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/zebpay.com\/in\/blog\/average-crypto-sip-returns-in-the-last-10-years\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/zebpay.com\/in\/blog\/average-crypto-sip-returns-in-the-last-10-years\/#FAQs\" title=\"FAQs\">FAQs<\/a><\/li><\/ul><\/nav><\/div>\n\n<p>Imagine investing just \u20b91,000 every month in a Bitcoin SIP starting in 2016, without trying to time the market, through multiple bull runs and brutal crashes. By early 2026, that disciplined crypto SIP approach would have turned a total investment of roughly \u20b91.2 lakh into an estimated \u20b935\u201355 lakh.&nbsp;<\/p>\n\n\n\n<p>This is the core strength of a<a href=\"https:\/\/zebpay.com\/in\/blog\/zebpay-sip-the-disciplined-approach-to-bitcoin-investing\"> crypto SIP (Systematic Investment Plan)<\/a>. Instead of chasing highs or panicking during drawdowns, you invest in SIP at fixed intervals using a <a href=\"https:\/\/zebpay.com\/in\/\">crypto SIP app<\/a>, allowing rupee-cost averaging to smooth volatility over time.<\/p>\n\n\n\n<p>In this blog, we will go in-depth and understand the average return on crypto (majorly Bitcoin) sip.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why_Is_Crypto_SIP_Beneficial_for_Long-Term_Investors\"><\/span><strong>Why Is Crypto SIP Beneficial for Long-Term Investors?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>One of the biggest mistakes new investors make is trying to predict short-term price movements. Crypto markets are notoriously volatile, with Bitcoin experiencing multiple drawdowns of 70\u201380% since inception. A crypto SIP removes emotion from investing by enforcing consistency.<\/p>\n\n\n\n<p>When prices fall sharply, as seen in 2018 or 2022, your fixed monthly Bitcoin SIP automatically accumulates more BTC at lower prices. When markets recover, those accumulated units compound in value. Over long periods, this averaging effect lowers the effective purchase cost and improves recovery outcomes.<\/p>\n\n\n\n<p>For crypto SIP in India, the model fits naturally with monthly income cycles. Setting up an automated SIP aligns investing with cash flow, reduces decision fatigue, and promotes discipline.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_Is_Crypto_SIP_Helping_Investors_Diversify_Their_Portfolio\"><\/span><strong>How Is Crypto SIP Helping Investors Diversify Their Portfolio?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Traditional portfolios typically rely on equities, debt, and gold. However, during global stress events, correlations between these assets tend to rise, reducing diversification benefits. Crypto SIP, particularly exposure to Bitcoin and Ethereum, introduces an asset class with historically lower long-term correlation to equities.<\/p>\n\n\n\n<p>A practical allocation example:<\/p>\n\n\n\n<ul>\n<li>\u20b96,000\/month in equity mutual funds<\/li>\n\n\n\n<li>\u20b93,000\/month in Bitcoin SIP<\/li>\n\n\n\n<li>\u20b91,000\/month in gold or debt<\/li>\n<\/ul>\n\n\n\n<p>Over long periods, even a 10\u201320% crypto allocation has historically improved portfolio returns, while drawdowns were manageable due to SIP-based averaging. During bear markets, crypto SIPs continue accumulating units, positioning the portfolio for recovery when sentiment turns.<\/p>\n\n\n\n<p>With crypto SIP apps enabling fractional purchases, investors can start with as little as a few hundred rupees, making diversification accessible even for beginners.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_Is_the_Average_Return_on_a_Crypto_SIP\"><\/span><strong>What Is the Average Return on a Crypto SIP?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The average crypto SIP return is best measured using XIRR, which accounts for the timing of each investment. This is far more accurate than simple CAGR when evaluating regular contributions.<\/p>\n\n\n\n<p>Based on historical INR-adjusted data:<\/p>\n\n\n\n<ul>\n<li>Bitcoin SIP (2016\u20132026): ~45\u201360% XIRR<\/li>\n\n\n\n<li>Ethereum SIP (2017\u20132026): ~35\u201350% XIRR<\/li>\n\n\n\n<li>Nifty 50 SIP (same period): ~12\u201314%<\/li>\n\n\n\n<li>Gold SIP: ~7\u20139%<\/li>\n<\/ul>\n\n\n\n<p>These figures already account for major crashes, long consolidation phases, and currency effects. While crypto SIP returns are volatile year-to-year, long-term performance has remained structurally superior due to Bitcoin\u2019s supply constraints and adoption growth.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_Is_the_Crypto_SIP_Return_Calculated\"><\/span><strong>How Is the Crypto SIP Return Calculated?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Crypto SIP returns are calculated using <strong>XIRR<\/strong>, which evaluates multiple cash flows over time.<\/p>\n\n\n\n<p><strong>Example (\u20b91,000 monthly Bitcoin SIP for 10 years):<\/strong><\/p>\n\n\n\n<ul>\n<li>Total invested: ~\u20b91.2 lakh<\/li>\n\n\n\n<li>Final value (early 2026 estimate): \u20b940 lakh<\/li>\n\n\n\n<li>XIRR: ~52%<\/li>\n<\/ul>\n\n\n\n<p>The formula is simple in Excel or Google Sheets:<\/p>\n\n\n\n<p>=XIRR(values, dates)<\/p>\n\n\n\n<p>Most crypto SIP apps provide built-in calculators, but investors should understand the mechanics to avoid unrealistic expectations. <a href=\"https:\/\/zebpay.com\/in\/blog\/how-to-invest-in-crypto-sip-step-by-step-guide\">Bitcoin SIP<\/a> returns in rupees will vary depending on start date, frequency, and market cycles.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Historical_Data_on_Bitcoin_SIP_Returns\"><\/span><strong>Historical Data on Bitcoin SIP Returns<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Below is a realistic illustration of Bitcoin SIP behaviour across market phases:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Period<\/strong><\/td><td><strong>Market Phase<\/strong><\/td><td><strong>SIP Outcome<\/strong><\/td><td><strong>Key Characteristics<\/strong><\/td><\/tr><tr><td><strong>2016\u20132017<\/strong><\/td><td>Early bull<\/td><td>Strong accumulation<\/td><td>\u20b9400 weekly bought BTC from \u20b93L \u2192 \u20b915L; averaged \u20b96L cost vs lump-sum \u20b99L<\/td><\/tr><tr><td><strong>2018<\/strong><\/td><td>Deep bear<\/td><td>40\u201350% drawdown<\/td><td>-84% BTC crash; SIP limited losses to -45% while accumulating 3x more coins<\/td><\/tr><tr><td><strong>2019\u20132020<\/strong><\/td><td>Recovery<\/td><td>Average cost advantage<\/td><td>COVID dip (\u20b94L \u2192 \u20b910L); SIP averaged \u20b96L vs lump-sum \u20b98L entry<\/td><\/tr><tr><td><strong>2021<\/strong><\/td><td>Bull peak<\/td><td>Portfolio expansion<\/td><td>\u20b910K monthly \u2192 0.15 BTC total; value 8x from 2018 lows despite $69K top<\/td><\/tr><tr><td><strong>2022<\/strong><\/td><td>Macro bear<\/td><td>Temporary decline<\/td><td>-75% drawdown; SIP -15% vs lump-sum -70%; bought ~0.35 BTC\/\u20b91.2L invested<\/td><\/tr><tr><td><strong>2023\u20132025<\/strong><\/td><td>Post-halving recovery<\/td><td>Strong compounding<\/td><td>2024 halving rally; \u20b91L invested \u2192 \u20b93.2Cr (280% XIRR); 15x bear recovery gain<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"SIP_Returns_During_Bull_and_Bear_Markets\"><\/span><strong>SIP Returns During Bull and Bear Markets<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>Bull Market<\/strong><strong><br><\/strong>A bull market refers to a period of sustained rising prices and strong investor optimism. In crypto and traditional finance, it\u2019s commonly defined as price increases of 20% or more over time as buyers outnumber sellers and demand pushes values higher. In crypto, bull runs often coincide with major adoption waves, macro tailwinds, or Bitcoin halving cycles.<\/p>\n\n\n\n<p><strong>Bear Market<\/strong><br>A bear market is a prolonged period of falling prices and negative sentiment, usually marked by a decline of 20% or more from recent highs. In crypto, these periods can be sharper and deeper than in stocks, and sentiment shifts from greed to fear<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Bull_vs_Bear_Price_Action_Generic_Market_Chart\"><\/span><strong>Bull vs Bear Price Action (Generic Market Chart)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>In this chart, you will know the <a href=\"https:\/\/zebpay.com\/in\/blog\/what-are-bull-and-bear-markets\">Bitcoin price trend and sentiment during bull and bear markets<\/a>.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Phase<\/strong><\/td><td><strong>Price Trend<\/strong><\/td><td><strong>Sentiment<\/strong><\/td><td><strong>Bitcoin<\/strong><\/td><\/tr><tr><td><strong>Bull Market<\/strong><\/td><td>Higher highs &amp; higher lows<\/td><td>Optimism, inflows<\/td><td>BTC rises from $10k \u2192 $64k+ (2020\u201321)<\/td><\/tr><tr><td><strong>Bear Market<\/strong><\/td><td>Lower highs &amp; lower lows<\/td><td>Fear, outflows<\/td><td>BTC drops ~75% from $69k peak in 2022<\/td><\/tr><tr><td><strong>Transition<\/strong><\/td><td>Trend reversal<\/td><td>Shift in supply\/demand<\/td><td>Post-peak sell-offs begin (2021 top \u2192 2022 bear)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why_Is_Bitcoin_SIP_Important\"><\/span><strong>Why Is Bitcoin SIP Important?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Bitcoin remains the most established crypto asset, with:<\/p>\n\n\n\n<ul>\n<li>Dominant market share (~50%+)<\/li>\n\n\n\n<li>Fixed supply of 21 million<\/li>\n\n\n\n<li>Predictable halving cycle (latest in 2024: reward cut to 3.125 BTC\/block)<\/li>\n\n\n\n<li>Growing institutional participation via spot ETFs and corporate treasuries<\/li>\n<\/ul>\n\n\n\n<p>For Indian investors, Bitcoin SIP returns in India benefit from both price appreciation and INR depreciation over time. While crypto SIP in India carries regulatory and tax considerations, Bitcoin\u2019s long-term risk-adjusted performance remains unmatched among digital assets.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Over the past decade, average crypto SIP returns, especially for Bitcoin, have demonstrated the power of consistency over timing. A disciplined Bitcoin SIP approach has historically delivered 45\u201360% annualised returns, transforming modest monthly investments into substantial long-term wealth.<\/p>\n\n\n\n<p>While crypto SIP involves volatility and drawdowns, its ability to average costs, reduce emotional bias, and capture full market cycles makes it a compelling strategy for long-term investors. For those asking <a href=\"https:\/\/zebpay.com\/in\/blog\/is-crypto-sip-safe-in-india-zebpay\">is crypto SIP safe<\/a>, the answer lies in patience, diversification, and realistic expectations, not short-term performance.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/onboarding.zebpay.com\/onboarding?returnUrl=https%3A%2F%2Fzebpay.com%2Fapp\">Trade NOW<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAQs\"><\/span><strong>FAQs<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>Bitcoin SIP return over the last 10 years?<\/strong><strong><br><\/strong>Historically ~45\u201360% XIRR depending on start date and frequency.<\/p>\n\n\n\n<p><strong>Is SIP safe during crypto bear markets?<\/strong><strong><br><\/strong>SIP does not prevent drawdowns but improves recovery and long-term outcomes.<\/p>\n\n\n\n<p><strong>How to calculate crypto SIP returns?<\/strong><strong><br><\/strong>Use XIRR with investment dates and final portfolio value.<\/p>\n\n\n\n<p><strong>Why choose Bitcoin SIP over altcoins?<\/strong><strong><br><\/strong>Bitcoin offers superior liquidity, adoption, and long-term risk-adjusted returns.<\/p>\n\n\n\n<p><strong>Best frequency for Bitcoin SIP?<\/strong><strong><br><\/strong>Weekly SIPs slightly improve averaging, while monthly SIPs offer simplicity.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Imagine investing just \u20b91,000 every month in a Bitcoin SIP starting in 2016, without trying to time the market, through multiple bull runs and brutal crashes. By early 2026, that disciplined crypto SIP approach would have turned a total investment of roughly \u20b91.2 lakh into an estimated \u20b935\u201355 lakh.&nbsp; This is the core strength of [&hellip;]<\/p>\n","protected":false},"author":41,"featured_media":37799,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"_ayudawp_aiss_exclude":false,"footnotes":""},"categories":[14],"tags":[79,16,512],"acf":[],"_links":{"self":[{"href":"https:\/\/zebpay.com\/in\/wp-json\/wp\/v2\/posts\/37798"}],"collection":[{"href":"https:\/\/zebpay.com\/in\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/zebpay.com\/in\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/zebpay.com\/in\/wp-json\/wp\/v2\/users\/41"}],"replies":[{"embeddable":true,"href":"https:\/\/zebpay.com\/in\/wp-json\/wp\/v2\/comments?post=37798"}],"version-history":[{"count":2,"href":"https:\/\/zebpay.com\/in\/wp-json\/wp\/v2\/posts\/37798\/revisions"}],"predecessor-version":[{"id":37804,"href":"https:\/\/zebpay.com\/in\/wp-json\/wp\/v2\/posts\/37798\/revisions\/37804"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/zebpay.com\/in\/wp-json\/wp\/v2\/media\/37799"}],"wp:attachment":[{"href":"https:\/\/zebpay.com\/in\/wp-json\/wp\/v2\/media?parent=37798"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zebpay.com\/in\/wp-json\/wp\/v2\/categories?post=37798"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zebpay.com\/in\/wp-json\/wp\/v2\/tags?post=37798"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}