2020 HNL to INR Historical Review

YEARLY HIGH

3.0921 INR

YEARLY LOW

2.8000 INR

YEARLY AVERAGE

2.9969 INR

2020 HNL to INR Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the HNL to INR exchange rate experienced significant fluctuation. The market reached its absolute peak on April 18, valuing the pair at 3.0921. Conversely, the yearly low was recorded on January 14, dropping to 2.8000.

This high-to-low spread represents a total annual volatility of 0.2920 INR. From a start-to-finish perspective, comparing the January average rate of 2.8755 to the December average rate of 3.0384, the exchange rate registered a net change of 5.66% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 3.0921 was down 35.22% compared to the 2019 peak of 4.7730, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 15,460 INR

2019 Average 14,351 INR

Yearly Trough Low 14,000 INR

Transaction Impact: A difference of 1,460.14 INR purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

3.0784

2.8571

JanuMarcMayJulySeptNove

HNL to INR 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 2.9811, compared to 3.0127 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0316 points.

H1 Avg (Jan–Jun) 2.9811

H2 Avg (Jul–Dec) 3.0127

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.1800 INR (High: 3.0751 / Low: 2.8951). On the other end, December was the most stable month, with a tight range of 0.0411 INR (High: 3.0599 / Low: 3.0187).

March Spread (Volatile) ±0.1800

December Spread (Stable) ±0.0411

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 August and September, when the average rate fell by 0.0407 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0407

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (April 2020: 3.0600) against the same month in 2019 (average: 2.8309), the exchange rate shifted by +0.2291 (+8.09%).

2020 Avg (April) 3.0600

2019 Avg (April) 2.8309

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	2.9107	2.8000	2.8755
February	2.9161	2.8672	2.8843
March	3.0751	2.8951	2.9962
April	3.0921	3.0210	3.0600
May	3.0573	3.0154	3.0321
June	3.0653	3.0087	3.0388
July	3.0389	2.9956	3.0105
August	3.0485	2.9652	3.0165
September	2.9995	2.9547	2.9759
October	3.0368	2.9662	2.9934
November	3.0674	3.0099	3.0417
December	3.0599	3.0187	3.0384