Over the past year NEAR Protocol did better: ₹10,000 became ₹17,662 in NEAR versus ₹5,828 in XLM. NEAR Protocol swings about 1.3× as much on a typical day, and they often move in the same direction, but not always (correlation 0.46).
XL XLM | NE NEAR | |
|---|---|---|
| Price | ₹20.80 | ₹471.26 |
| Rank | #20 | #21 |
| Market cap | ₹723.67B | ₹612.05B |
| 24h volume | ₹50.27B | ₹129.27B |
| Circulating supply | 34.97B | 1.31B |
| Max supply | No cap | No cap |
| Below all-time high | -75% | -76% |
| 24h | 1.26% | 5.90% |
| 7 days | 3.32% | 21.68% |
| ₹10,000 invested | XLM | NEAR |
|---|---|---|
| 1 month ago | ₹12,411 24.11% | ₹26,978 169.78% |
| 3 months ago | ₹11,453 14.53% | ₹27,584 175.84% |
| 6 months ago | ₹12,953 29.53% | ₹41,261 312.61% |
| 1 year ago | ₹5,828 41.72% | ₹17,662 76.62% |
| 2 years ago | ₹21,308 113.08% | ₹8,927 10.73% |
| ₹1,000/month SIP, 12 months | ₹12,836 | ₹35,901 |
| Typical daily move | ±2.1% | ±2.7% |
| Deepest fall (1y) | -65% | -69% |
| Worst day (1y) | -15.89% | -21.99% |
Green marks the better figure in each row: more money, smaller swings or a shallower fall.
Over the last 12 months XLM returned -41.72% and NEAR +76.62%. Over just the last month the picture is the same: XLM +24.11%, NEAR +169.78%. Short periods can tell a very different story from long ones, which is why picking a coin from last month's chart rarely works.
NEAR Protocol moves about ±2.7% on a typical day against ±2.1% for Stellar. In the past year XLM fell as much as 65% from a peak and NEAR 69%. Bigger swings mean bigger possible gains and bigger possible losses, size your position so a fall like that wouldn't force you to sell.
The correlation of their daily moves over the past year is 0.46 (1 = always together, 0 = unrelated): they often move in the same direction, but not always. That makes holding both a little less risky than holding either alone.
Stellar is the bigger network, with a market cap about 1.2× that of NEAR Protocol. A lower price per coin doesn't make a coin “cheaper”: what matters is market cap, and how many new coins will still be created (XLM: no fixed cap; NEAR: no fixed cap).
Both trade on FIU-registered exchanges. Profit on either is taxed at 30% plus 4% cess, 1% TDS is deducted when you sell, and a loss on one can't be set off against a gain on the other. Guides: how to buy Stellar · how to buy NEAR Protocol · best crypto apps in India.
NEAR Protocol. ₹10,000 invested a year ago would be worth ₹17,662 in NEAR today, against ₹5,828 in XLM (+76.62% vs -41.72%). Past returns do not predict future ones.
By day-to-day swings, NEAR Protocol: it moves about ±2.7% on a typical day against ±2.1% for Stellar, and its deepest fall in the past year was 69% versus 65%.
Stellar's market cap is about ₹723.67B, roughly 1.2× NEAR Protocol's ₹612.05B. A larger market cap usually means more liquidity, not necessarily higher returns.
We don't give buy or sell advice. The data shows how each has behaved, not what happens next. Many investors hold more than one coin rather than choosing; with a correlation of 0.46, they often move in the same direction, but not always, so holding both spreads less risk than it might seem.
