2020 HRK to INR Historical Review

YEARLY HIGH

11.9936 INR

YEARLY LOW

10.3710 INR

YEARLY AVERAGE

11.2232 INR

2020 HRK to INR Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the HRK to INR exchange rate experienced significant fluctuation. The market reached its absolute peak on December 21, valuing the pair at 11.9936. Conversely, the yearly low was recorded on February 13, dropping to 10.3710.

This high-to-low spread represents a total annual volatility of 1.6226 INR. From a start-to-finish perspective, comparing the January average rate of 10.6310 to the December average rate of 11.8898, the exchange rate registered a net change of 11.84% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 11.9936 was up 8.47% compared to the 2019 peak of 11.0570, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 59,968 INR

2019 Average 53,127 INR

Yearly Trough Low 51,855 INR

Transaction Impact: A difference of 8,112.78 INR purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

12.0303

10.3438

JanuMarcMayJulySeptNove

HRK 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 10.8482, compared to 11.5981 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.7499 points.

H1 Avg (Jan–Jun) 10.8482

H2 Avg (Jul–Dec) 11.5981

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.7937 INR (High: 11.3119 / Low: 10.5183). On the other end, September was the most stable month, with a tight range of 0.2184 INR (High: 11.5721 / Low: 11.3537).

March Spread (Volatile) ±0.7937

September Spread (Stable) ±0.2184

Growth Streaks & Declines

Trends

Between May and August, 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 0.2624 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.2624

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2020: 11.8898) against the same month in 2019 (average: 10.6266), the exchange rate shifted by +1.2632 (+11.89%).

2020 Avg (December) 11.8898

2019 Avg (December) 10.6266

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	10.7749	10.5554	10.6310
February	10.6556	10.3710	10.4844
March	11.3119	10.5183	10.8905
April	11.0401	10.7577	10.9109
May	11.0522	10.7736	10.9069
June	11.4018	11.0697	11.2656
July	11.8632	11.1060	11.4008
August	11.9202	11.5468	11.7527
September	11.5721	11.3537	11.4903
October	11.5570	11.3277	11.4292
November	11.7100	11.4491	11.6258
December	11.9936	11.7430	11.8898