YEARLY HIGH
3.2891 PKR
YEARLY LOW
3.0111 PKR
YEARLY AVERAGE
3.1435 PKR

2020 GMD to PKR Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the GMD to PKR exchange rate experienced significant fluctuation. The market reached its absolute peak on April 7, valuing the pair at 3.2891. Conversely, the yearly low was recorded on January 21, dropping to 3.0111.

This high-to-low spread represents a total annual volatility of 0.2781 PKR. From a start-to-finish perspective, comparing the January average rate of 3.0233 to the December average rate of 3.0967, the exchange rate registered a net change of 2.43% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 3.2891 was down 0.18% compared to the 2019 peak of 3.2949, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 16,446 PKR
2019 Average 14,988 PKR
Yearly Trough Low 15,055 PKR
Transaction Impact: A difference of 1,390.27 PKR purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

3.2662
3.0012
JanuMarcMayJulySeptNove

GMD 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 3.1198, compared to 3.1672 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0474 points.

H1 Avg (Jan–Jun) 3.1198
H2 Avg (Jul–Dec) 3.1672

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.2420 PKR (High: 3.2646 / Low: 3.0226). On the other end, February was the most stable month, with a tight range of 0.0153 PKR (High: 3.0356 / Low: 3.0203).

March Spread (Volatile) ±0.2420
February Spread (Stable) ±0.0153

Growth Streaks & Declines

Trends

Between January and April, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 3 straight months. Conversely, the sharpest month-over-month decline occurred between April and May, when the average rate fell by 0.1052 points.

Longest Streak 3 Mo.
Sharpest MoM Drop -0.1052

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (April 2020: 3.2280) against the same month in 2019 (average: 2.8548), the exchange rate shifted by +0.3732 (+13.07%).

2020 Avg (April) 3.2280
2019 Avg (April) 2.8548

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 3.0373 3.0111 3.0233
February 3.0356 3.0203 3.0254
March 3.2646 3.0226 3.1092
April 3.2891 3.1365 3.2280
May 3.1610 3.1018 3.1228
June 3.2556 3.1657 3.2099
July 3.2565 3.2103 3.2310
August 3.2582 3.1947 3.2441
September 3.2174 3.1926 3.2070
October 3.1888 3.1005 3.1463
November 3.1108 3.0543 3.0780
December 3.1047 3.0838 3.0967