Affordable AI Coding Assistant India: 2026 Rupee Prices
Most price roundups for AI coding tools are written in dollars, for readers who pay in dollars. If you bill clients in rupees or live on a student budget, that framing hides the number you actually care about: what leaves your bank account each month.
This post is built around one rupee table, checked October 30, 2026. It doesn't rank the tools, and it doesn't claim any of them is cheapest. Each row lists the plan, the listed price, the usage basis and the source. Where a vendor lists only a USD price, the table shows USD, because converting it would imply a rupee price the vendor never published.
Here is who each option is best for. GitHub Copilot fits developers who want a familiar name inside VS Code and a free starting point. Cursor fits people who want a whole editor built around AI. Windsurf and Antigravity fit people who want to try an AI-first editor without paying first. OxCode fits Indian developers who want rupee billing and an agent that runs and fixes its own code, at ₹0, ₹899 or ₹3,999 a month.
One warning before the table. A price is only half the answer. The other half is what the price buys, and every tool measures that in a different unit.
Checked October 30, 2026: the India price table
The table below is the whole point of this post. Prices move, so treat the date as part of the data. Anything marked USD is the vendor's own listed currency. I haven't converted it, because exchange rates, card fees and tax treatment change what you really pay, and none of that appears on the vendor's pricing page.
| Tool | Plan | Listed price | Usage basis | Source |
|---|---|---|---|---|
| GitHub Copilot | Free | USD $0 | Monthly limits set by GitHub | github.com/features/copilot/plans |
| GitHub Copilot | Pro | USD price listed in dollars | Monthly allowance set by GitHub | github.com/features/copilot/plans |
| Cursor | Start (legacy) | USD price listed in dollars | Vendor-defined request allowance | cursor.com/pricing |
| Windsurf | Free | USD $0 | Vendor-defined credits | windsurf.com/pricing |
| Antigravity | Free tier | USD $0 | Vendor-defined limits | Vendor site |
| OxCode | Free | ₹0 | 15 runs per day | oxcode.ai/pricing |
| OxCode | Starter | ₹899 per month | 40 runs per day | oxcode.ai/pricing |
| OxCode | Pro | ₹3,999 per month | 150 runs per day | oxcode.ai/pricing |
Two honest notes on this table. First, the competitor rows that say "listed in dollars" are deliberate. I won't print a rupee figure the vendor doesn't publish. Open the source page the day you buy and read the number yourself. Second, OxCode's first two months are discounted to ₹99 on Starter and ₹999 on Pro, then the standard monthly price applies. That offer is temporary, so budget for ₹899 and ₹3,999, not the intro price.
One row stands apart: OxCode is the only tool here whose listed price is in rupees. That helps with budgeting, since you see the exact monthly figure. It doesn't make OxCode the cheapest, and the table doesn't claim that.
Runs, credits, requests: why the billing units are not equal work
A monthly price tells you nothing until you know what one unit of usage means. The tools in the table count three different things, and comparing them as if they were the same is the most common mistake in this category.
A request is usually one interaction with the assistant. A single request can be a one-line autocomplete answer or a long edit across several files. A credit is a vendor-defined token of usage, and one task can burn a different number of credits depending on how much work it triggers. A run, in OxCode's case, is one agent run, and OxCode counts one agent run as one request. Allowances reset daily.
The same afternoon of work eats each unit differently. Say you ask an assistant to add a login endpoint, write tests for it and fix a failing test. In a per-request model that might be three requests. In a credit model it might be an unpredictable number of credits. In OxCode's model it is closer to one agent run, because the agent plans, writes, tests and debugs inside that single run.
I won't claim that makes OxCode's allowance bigger than anyone else's. I don't have a like-for-like test across vendors, and neither does anyone publishing a clean number. What I can say: don't compare 40 runs a day to 500 monthly requests as if one divides into the other. They measure different work.
One limit worth knowing about OxCode: the pricing information I could verify doesn't say whether a failed request still consumes allowance. Ask support before you rely on that detail.
Practical rule: estimate your own week. Count how many distinct tasks you hand to an assistant on a normal day. That number, not the plan name, decides which allowance feels generous and which feels tight.
Free tiers compared: Copilot Free, Antigravity, Windsurf, OxCode Free
Free tiers exist to let you decide with your own code. They aren't meant to carry a full-time workload, and treating them that way is how people end up frustrated by a limit they never read.
GitHub Copilot Free is the lowest-friction start if you already live in VS Code and want something your editor recognises instantly. Antigravity and Windsurf are both AI-first editors, so their free tiers make sense if you're willing to move your workflow into a different editor rather than adding a tool to the one you have. That costs something even at USD $0: your keybindings, extensions and habits either come with you or they don't.
OxCode Free is ₹0 with 15 runs a day. It installs as an extension, so you stay in VS Code, Cursor, Antigravity or another VS Code-based editor. What sets the free plan apart isn't the number. Each run plans, writes, tests and debugs in a sandbox, and fixes its own bugs before calling a task done. Fifteen runs of that is a different thing to try than fifteen autocompletes.
My position: judge a free tier by one honest task. Pick a bug in a real project, give it to the tool, and watch whether the result passes your own tests. If you want a structured way to do that, Free AI Coding Agent for VS Code: Run Your First Task walks through it. For how daily resets differ from monthly pools, see Free AI Coding Agents: Daily Limits vs Monthly Quotas.
If you're a student, Free Coding Agents for Students Without Verification covers which options don't ask you to prove enrolment first.
Paid plans: Copilot Pro, Cursor Start (legacy), OxCode Starter and Pro
Paid plans are where the units problem bites hardest, so keep the table open while you read this.
Copilot Pro is the natural step up for someone who likes Copilot's free tier and wants a bigger allowance inside the editor they already have. Cursor's Start plan, which I've labelled legacy because the vendor has moved its lineup, suits someone who wants the full Cursor editor and is fine with dollar billing and a vendor-defined request allowance. Both list prices in USD, so the rupee cost you pay depends on your card, your bank's exchange rate and any fees. I won't guess at those.
OxCode's two paid plans are stated in rupees: Starter at ₹899 a month for 40 runs a day, and Pro at ₹3,999 a month for 150 runs a day. The introductory ₹99 and ₹999 for the first two months is real, but plan around the standard price, because that's what you pay from month three.
Notice what I didn't write: that rupee billing makes payment easier or cheaper in every case. The advantage of rupee pricing is simple and narrow. The number on the page is the number you budget.
Who should pay for which? If your work is mostly autocomplete and small edits, a cheaper tier with a familiar name may be all you need. If you spend your time debugging code an assistant just wrote, the agent loop is what you're buying. The run happens in a sandbox and the agent fixes its own bugs before reporting done. Details are in AI Coding Agent That Runs Tests: Check the Evidence.
For a closer look at how subscription pricing compares to paying per API call, Cheap AI Coding Agents: Subscription vs API Costs in India is the companion read.
Which tool fits which developer (students, freelancers, indie builders)
No single plan fits everyone, and anyone who says otherwise is selling something. Here is how I'd match the table to three kinds of developer.
Students. Start free, and start with more than one tool. Copilot Free is the easy default inside VS Code. OxCode Free gives you 15 runs a day, which is enough to see how an agent handles a debugging task in a project you're learning from. Other free tiers are worth a try if you don't mind switching editors. Don't pay for anything until a free limit actually stops you. AI Coding Assistant for Students in India: Project Checklist helps you test with a real project.
Freelancers. Your constraint is billable time. If an assistant hands back code that you then spend an hour fixing, the subscription is the cheap part and the cleanup is the expensive part. A tool that tests its own output has the clearest return for you, so Starter at ₹899 a month is the plan to evaluate first. See Affordable AI Coding Agents for Freelance Client Projects for the client-project angle.
Indie builders and solo founders. You have no reviewer, so you want planning and testing built in. Pro at ₹3,999 a month with 150 runs a day suits heavy, daily shipping. If you aren't shipping every day, Starter is likely enough.
Where another tool fits better: if you want an entire AI-first editor rather than an extension, Cursor or Windsurf are built for that. If you want the lowest-friction brand-name option and little else, Copilot is hard to beat for simplicity.
OxCode's own proof point is public: 410 of 500 SWE-bench Verified instances resolved and 73 of 89 Terminal-Bench 2.1 tasks, one attempt each, with run records at OxCode benchmarks. Read those yourself rather than taking my word for them.
How to check these prices yourself before you pay
Prices in a blog post age fast. Use this post for the structure, then verify every number on the day you buy. Here is the routine I'd follow.
Open the vendor's pricing page, not a roundup. Every row in the table has a source. Go there. Look for the date or version if the page shows one, and note it next to the price.
Write down the unit, not just the amount. For each plan, write one line: what is counted (request, credit or run), over what period (day or month), and what happens at the limit. If you can't fill in all three, the pricing page hasn't told you enough, and that is itself information.
Check the currency. If a price is in USD, add your card's exchange rate and any foreign transaction fee to get a realistic rupee figure. Your bank, not the vendor, sets those. Don't assume a rupee price exists when the page shows a dollar one.
Separate the intro price from the standard price. A discount for the first two months is fine, but work out month three. For OxCode that is ₹899 or ₹3,999.
Run one real task on a free tier. Use a bug from a project you care about. Check whether the result passes your tests. If you're weighing when a free plan stops being enough, When to Upgrade From a Free AI Coding Agent has a worksheet. For a rupee-first view of the whole category, see AI Coding Assistant Pricing in Rupees: A Guide for Indian Developers.
Cancel test. Confirm you can cancel before you enter payment details. Check the same for any other tool.
Conclusion
A price table only helps if you test the product behind the number. If you spend your days fixing code an assistant just wrote, that is the cost to measure, not the subscription.
Here is a concrete next step. Install OxCode from the VS Code Marketplace, stay on the Free plan at ₹0 with 15 runs a day, and give it one real bug from your own project. Check whether the sandbox run and its self-fixes leave you with code that passes your tests. If it does and you hit the daily limit, Starter at ₹899 a month is the next rung. If it doesn't, you've spent nothing and learned which row of the table to cross off.