Crypto Profits Are a Lie? The Tax Reality Nobody Tells You | Money, Markets & Mindset Ep-24

Описание: Most people jumping into crypto trading in India have no idea what they're actually getting into. The taxes are brutal, the risks are real, and the protection? Almost zero.

In this episode, we brought back ‪@CAISHANTJUNEJA‬a Chartered Accountant and one of the most practical voices on taxation — to have a completely honest conversation about crypto in India. No hype.
No FOMO. Just the real picture.

How heavily is crypto taxed in India?

India taxes all crypto profits at a flat rate with no deductions, no exemptions, and no way to offset your losses. By the time you account for tax and all the hidden charges, what you actually take
home is a fraction of what you made. Most retail traders don't realise this until it's too late.

What happens when you lose money in crypto?
In the stock market, losses can be carried forward and adjusted against future profits. In crypto, that option doesn't exist. Made profit on one coin and lost on another?

You still pay full tax on the profit - the loss simply doesn't count. It's a rule that hits retail traders the hardest.

Is crypto actually legal and regulated in India?

This is where a lot of confusion exists. Crypto is legal to trade in India but it is NOT regulated. There is no SEBI, no RBI, no investor protection fund for crypto.

If an exchange shuts down tomorrow or someone runs away with your money, there is no system in place to protect you. We also discuss a real Delhi High Court case that proves exactly this.

What is FIU Registration and why are people confused about it?

Many exchanges and influencers use "FIU Registered" as a badge of trust. CA Ishant clears this up completely — FIU registration has nothing to do with regulation or investor protection. It simply
means your transaction data is being shared with a government body to monitor money laundering. That's it. Nothing more.

The bank account freeze risk nobody talks about!
If you do peer-to-peer crypto transactions, your bank account can get frozen even if YOU did nothing wrong - simply because someone else in your transaction trail was flagged as suspicious. Getting your account unfrozen is a long and painful process with no clear support system.

Dubai crypto influencers - should you believe them?
Social media is full of people promoting Dubai as a crypto tax haven. CA Ishant explains what the Dubai tax situation actually looks like versus what influencers make it seem and why for most
normal Indian traders, it makes very little practical sense.

Should you invest in crypto right now?
With high taxes, no investor protection, no loss carry forward, and a completely unregulated space - CA Ishant gives his most honest and direct opinion on whether a regular Indian investor should be putting their hard-earned money into crypto in today's environment.

Watch this podcast till the end and see for yourself what actually are the realities of Crypto Trading in India.

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0:00 - 0:57 - Introduction
0:58 - 5:35 - Crypto and Its Taxes
5:35 - 7:48 - Crypto Losses Tax Relief?
7:48 - 10:40 - Crypto Regulation Overview
10:40 - 12:51 - Crypto TDS & Income Tax Notices
12:51 - 15:31- FIU Role in Crypto
15:31 - 17:35 - Why Bank Accounts Freeze
17:35 - 20:08 - Investor Protection in Crypto
20:08 - Final Summary