Borrow against bitcoin. Keep the upside.
Pledge bitcoin as collateral and borrow rupees without selling. Secure institutional custody, transparent terms, and repay on your own schedule.
Selling costs more than you think.
Pledging is not a sale, so it triggers no capital gains tax. Keep your position and your upside.
If you sell
Tax on gains, with no indexation and no loss set-off (as of July 2026).
Re-entering means buying back at the market price, not yours.
Future price growth no longer belongs to you.
If you pledge
Every fee is folded into one simple APR on your Key Fact Statement.
Pledging is not a sale, triggers no capital gains tax. (as of July 2026).
Your bitcoin returns in full on repayment. The upside stays yours.
Four steps to liquidity
Pledge
Complete digital KYC and transfer bitcoin into secure institutional custody.
Borrow
Rupees reach your bank account typically within 4 hours of approval.
Repay
Repay within 12 months. Your bitcoin is released in full once settled.
Price Falls
If LTV crosses 80%, partial liquidation occurs to bring LTV back to 50%.
Every number is shown before it matters.
No fine-print surprises. One all-inclusive APR.
Alerts at 70% LTV, partial liquidation starts only at 80% LTV.
Plus a one-time 2% origination fee, both inside your APR.
Repay early within your tenure. Cooling-off window included.
Maximum depends on how much bitcoin you pledge at LTV 50%.
Security comes before growth, always.
Regulated NBFC lending
Your loan is a regulated credit product issued by a registered NBFC, governed by your Key Fact Statement.
You hold one of three keys
Seed is shown to you once and never stored. NBFC and Unocoin hold the other keys. Any two authorize a transaction.
Verify, don't trust
Your collateral sits at a per-loan segregated address. You can check the balance yourself on any block explorer.
Who can borrow
- Indian resident, 25 or older
- Valid PAN and Aadhaar for digital KYC
- Bitcoin to back a loan of ₹10,000 to ₹3,00,000
- A bank account in your own name
Unocoin holds no keys, and no money passes through Unocoin's technology layer directly. Every rupee flows between you and the NBFC.