YEARLY HIGH
3.6074 INR
YEARLY LOW
3.4013 INR
YEARLY AVERAGE
3.5084 INR

2026 HNL to INR Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2026

During 2026, the HNL to INR exchange rate experienced significant fluctuation. The market reached its absolute peak on May 28, valuing the pair at 3.6074. Conversely, the yearly low was recorded on January 7, dropping to 3.4013.

This high-to-low spread represents a total annual volatility of 0.2061 INR. From a start-to-finish perspective, comparing the January average rate of 3.4380 to the December average rate of 3.5778, the exchange rate registered a net change of 4.06% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2026 high of 3.6074 was up 4.03% compared to the 2025 peak of 3.4675, 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 18,037 INR
2025 Average 16,750 INR
Yearly Trough Low 17,006 INR
Transaction Impact: A difference of 1,030.55 INR purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2026.

3.6019
3.4145
JanuFebrMarcApriMayJune

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 3.5084, compared to 0.0000 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 3.5084 points.

H1 Avg (Jan–Jun) 3.5084
H2 Avg (Jul–Dec) 0.0000

Volatility Range Comparison

Volatility

The most volatile month in 2026 was March, with a trading range of 0.1377 INR (High: 3.5816 / Low: 3.4439). On the other end, February was the most stable month, with a tight range of 0.0366 INR (High: 3.4505 / Low: 3.4139).

March Spread (Volatile) ±0.1377
February Spread (Stable) ±0.0366

Growth Streaks & Declines

Trends

Between February and May, 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 May and June, when the average rate fell by 0.0086 points.

Longest Streak 3 Mo.
Sharpest MoM Drop -0.0086

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (May 2026: 3.5863) against the same month in 2025 (average: 3.2770), the exchange rate shifted by +0.3093 (+9.44%).

2026 Avg (May) 3.5863
2025 Avg (May) 3.2770

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 3.5011 3.4013 3.4380
February 3.4505 3.4139 3.4301
March 3.5816 3.4439 3.5073
April 3.5680 3.4667 3.5109
May 3.6074 3.5654 3.5863
June 3.6003 3.5614 3.5778