2026 BIF to PKR Historical Review

YEARLY HIGH

0.0978 PKR

YEARLY LOW

0.0923 PKR

YEARLY AVERAGE

0.0937 PKR

2026 BIF to PKR Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2026

During 2026, the BIF to PKR exchange rate experienced significant fluctuation. The market reached its absolute peak on March 9, valuing the pair at 0.0978. Conversely, the yearly low was recorded on August 2, dropping to 0.0923.

This high-to-low spread represents a total annual volatility of 0.0055 PKR. From a start-to-finish perspective, comparing the January average rate of 0.0946 to the December average rate of 0.0923, the exchange rate registered a net change of -2.40% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2026 high of 0.0978 was down 1.81% compared to the 2025 peak of 0.0996, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

Comparing the value generated converting 5,000 BIF based on timing:

Yearly Peak High 489 PKR

2025 Average 476 PKR

Yearly Trough Low 461 PKR

Transaction Impact: A difference of 27.71 PKR purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2026.

0.0948

0.0921

JanuMarcMayJuly

BIF to PKR Seasonal Trends & Volatility Analysis

A structured review of seasonal halves, trading extremes, consecutive streaks, and historical baselines.

Seasonal Halves (H1 vs H2)

Seasonal

The average exchange rate in the first half of the year (H1: Jan–Jun) was 0.0940, compared to 0.0928 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0012 points.

H1 Avg (Jan–Jun) 0.0940

H2 Avg (Jul–Dec) 0.0928

Volatility Range Comparison

Volatility

The most volatile month in 2026 was March, with a trading range of 0.0040 PKR (High: 0.0978 / Low: 0.0939). On the other end, August was the most stable month, with a tight range of 0.0000 PKR (High: 0.0923 / Low: 0.0923).

March Spread (Volatile) ±0.0040

August Spread (Stable) ±0.0000

Growth Streaks & Declines

Trends

No sustained consecutive month-over-month growth streak of 2+ months occurred in 2026. Conversely, the sharpest month-over-month decline occurred between July and August, when the average rate fell by 0.0009 points.

Longest Streak 0 Mo.

Sharpest MoM Drop -0.0009

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (March 2026: 0.0943) against the same month in 2025 (average: 0.0949), the exchange rate shifted by -0.0006 (-0.68%).

2026 Avg (March) 0.0943

2025 Avg (March) 0.0949

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0951	0.0943	0.0946
February	0.0947	0.0942	0.0944
March	0.0978	0.0939	0.0943
April	0.0943	0.0936	0.0939
May	0.0937	0.0935	0.0936
June	0.0937	0.0930	0.0933
July	0.0935	0.0928	0.0932
August	0.0923	0.0923	0.0923