XLM to USDT: Stellar vs Tether in rupee terms
1 XLM =
0.17576 USDT
1 XLM = ₹16.63 · 1 USDT = ₹94.62 · 1 USDT = 5.6897 XLM
Snapshot 23 October 2026; updating to live…
Over the 12 months to 23 Oct 2026, Stellar lost 43.2% against USDT: the ratio went from 0.31129 USDT to 0.17692 USDT per XLM. In rupees, XLM fell 38.8% (from ₹27.35 to ₹16.74) while USDT rose 7.7% (from ₹87.86 to ₹94.62). Because USDT tracks the US dollar, this ratio is close to Stellar's dollar price; the rupee quotes add the USD/INR rate.
The pair in numbers
- Highest ratio: 0.33016 USDT on 27 Oct 2025. Lowest: 0.14351 USDT on 20 May 2026. Today's ratio is 46.4% below the high.
- Change against USDT: -18.1% over 30 days, -0.6% over 90 days, -43.2% over 12 months.
- ₹1 lakh put into XLM on 24 Oct 2025 would be worth about ₹61,207 now; the same in USDT, about ₹1,07,694 (before fees, spreads and tax).
- Daily moves: correlation 0.03 (they often move independently); a 1% move in USDT came with about 0.34% in XLM on average. Volatility about 78% a year for XLM and 7% for USDT.
- XLM gained against USDT on 156 of 364 days (43%).
Month-end ratio
| Month | USDT per XLM | Change | XLM (₹) | USDT (₹) |
|---|---|---|---|---|
| Oct 2026 (so far) | 0.17692 | -20.5% | ₹16.74 | ₹94.62 |
| Sept 2026 | 0.22256 | +27.4% | ₹21.37 | ₹96.02 |
| Aug 2026 | 0.17469 | +1.5% | ₹16.66 | ₹95.37 |
| Jul 2026 | 0.17204 | -1.5% | ₹16.45 | ₹95.62 |
| Jun 2026 | 0.17472 | -24.1% | ₹16.52 | ₹94.55 |
| May 2026 | 0.23022 | +39.7% | ₹21.85 | ₹94.91 |
| Apr 2026 | 0.1648 | -1.7% | ₹15.61 | ₹94.72 |
| Mar 2026 | 0.16763 | +5.7% | ₹15.66 | ₹93.42 |
| Feb 2026 | 0.15865 | -24.8% | ₹14.45 | ₹91.08 |
| Jan 2026 | 0.21099 | +0.1% | ₹19.32 | ₹91.57 |
| Dec 2025 | 0.2107 | -17.1% | ₹18.94 | ₹89.89 |
| Nov 2025 | 0.25408 | -14.8% | ₹22.71 | ₹89.38 |
| Oct 2025 | 0.29833 | — | ₹26.51 | ₹88.86 |
How this ratio is worked out, and its limits
The ratio is Stellar's daily rupee close divided by Tether's on the same UTC day, both from CoinGecko's global INR averages (365 shared days). It is not a quote from any exchange's XLM/USDT order book: real pair quotes include spreads and fees, and Indian exchange prices can sit above or below the global average. Past ratios do not predict future ones. Full method: methodology.
Swapping XLM for USDT is a taxable transfer in India: Schedule VDA guide · tax calculator.
FAQ
How much is 1 XLM in USDT?
At the 23 October 2026 snapshot, 1 Stellar (XLM) was worth 0.17576 USDT, because 1 XLM cost ₹16.63 and 1 USDT cost ₹94.62. Put the other way, 1 USDT = 5.6897 XLM. The live ratio at the top of this page refreshes every 60 seconds.
Live now: — (refreshes every 60 seconds)
Did XLM beat USDT over the last year?
In rupee terms Stellar went down 38.8% and Tether up 7.7% between 24 Oct 2025 and 23 Oct 2026, so XLM lost 43.2% against USDT (daily closes, UTC). ₹1 lakh in XLM would have become about ₹61,207; in USDT, about ₹1,07,694.
Is swapping XLM for USDT taxed in India?
Yes. A crypto-to-crypto swap is a transfer of a virtual digital asset, so any gain on the XLM you give up, valued in rupees at the time of the swap, is taxed at 30% plus 4% cess, losses cannot be set off, and 1% TDS can apply to the transfer. Keep the INR value of both legs for your Schedule VDA.
Can I trade XLM directly against USDT in India?
It depends on the exchange. This page does not check listings. If your exchange has no direct XLM/USDT market you would go through INR or USDT, which means two trades, two sets of fees and two taxable transfers.