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India’s Gen Z Overtakes Millennials in Crypto Investing: CoinSwitch Report 2025 Shows Youth Powering the Digital Finance Boom

India’s cryptocurrency market has reached a turning point — and it’s being driven by the youngest investors. According to CoinSwitch’s Q3 2025 Cryptocurrency Adoption Report, Generation Z, aged 18 to 25, has officially overtaken millennials to become the largest demographic of crypto investors in India. The shift signals a generational transformation in the way Indians are approaching finance, wealth creation, and digital innovation.

Gen Z Takes the Lead in India’s Crypto Landscape

CoinSwitch, one of India’s largest crypto investment platforms with over 25 million registered users, reports that Gen Z now accounts for 37.6% of total investors on its platform. Millennials, aged 26–35, follow closely behind at 37.3%, while the 36–45 age group makes up 17.8%.

It’s the first time Gen Z has surpassed millennials in India’s crypto market — a striking development that reflects how deeply digital-native behavior is shaping the country’s investment future. The report suggests that younger Indians are no longer viewing crypto merely as a technological experiment or online fad. Instead, they see it as a viable path to financial independence, long-term wealth, and a stake in the decentralized future.

Source: Bitinning X

“Gen Z investors are rewriting India’s financial narrative,” a CoinSwitch spokesperson said in the report. “They’ve grown up in the age of instant payments, social media, and mobile-first experiences — and they’re naturally drawn to assets that match that pace of innovation.”

Why Gen Z Is Taking Over

The rise of Gen Z in crypto investment didn’t happen by chance. This generation has been raised on UPI (Unified Payments Interface), fintech apps, and global social media trends — a digital ecosystem that makes financial experimentation second nature.

For many young Indians, cryptocurrencies represent freedom from traditional financial systems. With as little as ₹100, they can own a piece of Bitcoin, Ethereum, or emerging blockchain projects, thanks to user-friendly apps and educational tools.

Source: Kashif Raza X

Tutorials on YouTube, Telegram trading communities, and influencer-driven investment tips have made crypto learning accessible, even for those outside finance backgrounds. “This is a generation that doesn’t wait for permission to innovate,” says digital economist Shruti Jain. “They are comfortable taking calculated risks and exploring new financial ecosystems without being tied to the old guard of traditional banking.”

Gen Z’s participation also underscores their willingness to bet on the future of technology. They see cryptocurrency not just as speculation, but as an extension of their digital identity — a belief system rooted in ownership, autonomy, and borderless finance.

The Cities Leading the Charge

Unsurprisingly, India’s metro cities continue to dominate crypto investments. Delhi leads with 19.3% of total investors, followed by Bengaluru (8.9%) and Mumbai (7.0%).

However, what’s more remarkable is the rise of smaller cities like Ahmedabad, which entered the top 10 for the first time, and emerging hubs like Jaipur, Lucknow, and Patna. Experts interpret this trend as proof that digital finance is spreading beyond Tier-1 metros and into Tier-2 and Tier-3 regions — a sign that crypto adoption in India is becoming geographically diverse and socially inclusive.

According to market analyst Rahul Banerjee, “Crypto in India is no longer a metropolitan story. The grassroots expansion shows how awareness, accessibility, and aspiration are converging across digital India.”

What Are Young Indians Buying?

CoinSwitch’s data shows that Gen Z investors prefer reliability and utility when choosing their crypto portfolios. The top three most-held assets are:

• Bitcoin (7.2%) – the gold standard of crypto and a perceived store of value.

• Dogecoin (6.1%) – a favorite among younger investors for its meme status and community-driven growth.

• Ethereum (4.9%) – the foundation of decentralized finance (DeFi) and NFTs.

Most of Gen Z’s top investments fall into large-cap or high-utility tokens, suggesting a maturity in investment behavior. Instead of chasing short-term speculative coins, they’re increasingly focusing on assets with established networks and long-term credibility.

Regional Investment Styles

The CoinSwitch report also uncovers unique investment patterns across Indian cities.

• Mumbai leads in blue-chip crypto investments, with 37.4% of portfolios holding top-tier tokens — a reflection of its conservative yet strategic investor base.

• Hyderabad shows a strong preference for large-cap assets (37.3%), highlighting an appetite for stable yet promising tokens.

• Patna, interestingly, dominates mid-cap investments (42%), reflecting moderate risk-taking behavior.

• Jaipur leads in small-cap token holdings (9.4%), showing a high tolerance for experimental projects.

• Kolkata boasts the highest percentage of profitable portfolios in India — a stunning 77%, driven by disciplined trading and early entry positions.

These variations demonstrate how diverse India’s crypto market has become — not just in terms of age, but in mindset, regional influence, and financial goals.

The Most Active Periods for Trading

The report identifies July 2025 as the most active trading month in India’s crypto scene. Bitcoin’s rally to new yearly highs sparked trading surges on July 11 and July 18.

Ethereum led the market with 8.9% of total trades, followed by Ripple and Bitcoin at 7.6% each. Analysts attributed the increased volume to the global market optimism following the passage of the U.S. GENIUS Act, a legislative framework that strengthened crypto oversight and innovation incentives in the United States — and boosted confidence globally.

This ripple effect highlights how interconnected India’s investors have become with global crypto sentiment.

A Boost From Regulation and Legal Recognition

Perhaps one of the most significant drivers of confidence among Indian investors is the Madras High Court ruling, which clarified that cryptocurrencies qualify as property under Indian law.

While crypto is still not legal tender in India, this judicial recognition offers investors a degree of protection and legitimacy. It means crypto assets can now be considered as property that can be owned, transferred, and inherited — a key milestone for investor security.

Legal experts note that this move could pave the way for structured taxation, better regulation, and stronger safeguards for digital asset holders in India.

The Bigger Picture

CoinSwitch’s user base of over 25 million reflects massive retail participation in India’s crypto economy. The numbers show a strong appetite among young people for decentralized finance, innovation, and economic autonomy.

Even with regulatory ambiguity, the market’s growth continues to be driven by self-learning communities, influencer education, and the promise of digital wealth creation. India’s Gen Z is no longer waiting for full legal clarity — they are building their own financial systems and experimenting with digital ownership models that align with global Web3 principles.

Economist Pradeep Menon summarizes it best: “This generation doesn’t see crypto as rebellion — they see it as evolution. It’s the next logical step in the journey of financial inclusion and digital empowerment.”

The Road Ahead

As India heads into 2026, the convergence of youth energy, regulatory evolution, and technological adoption could make the country one of the largest retail crypto markets globally. The CoinSwitch report shows that India’s digital future is no longer a distant vision — it’s already here, led by the hands of its youngest and most tech-savvy generation.

With Gen Z at the helm, India’s crypto movement is becoming not just a financial story, but a cultural one — a reflection of ambition, innovation, and a fearless redefinition of what money can mean in the digital age.

Writer @Ellena

Erlin is an experienced crypto writer who loves to explore the intersection of blockchain technology and financial markets. She regularly provides insights into the latest trends and innovations in the digital currency space.

 

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