YEARLY HIGH
22.6709 NPR
YEARLY LOW
18.7046 NPR
YEARLY AVERAGE
20.9031 NPR

2025 HRK to NPR Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2025

During 2025, the HRK to NPR exchange rate experienced significant fluctuation. The market reached its absolute peak on December 16, valuing the pair at 22.6709. Conversely, the yearly low was recorded on January 2, dropping to 18.7046.

This high-to-low spread represents a total annual volatility of 3.9663 NPR. From a start-to-finish perspective, comparing the January average rate of 18.9486 to the December average rate of 22.3950, the exchange rate registered a net change of 18.19% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2025 high of 22.6709 was up 13.66% compared to the 2024 peak of 19.9455, 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 113,355 NPR
2024 Average 96,095 NPR
Yearly Trough Low 93,523 NPR
Transaction Impact: A difference of 19,831.62 NPR purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2025.

22.7397
18.6040
JanuMarcMayJulySeptNove

HRK to NPR 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 19.9724, compared to 21.8338 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 1.8614 points.

H1 Avg (Jan–Jun) 19.9724
H2 Avg (Jul–Dec) 21.8338

Volatility Range Comparison

Volatility

The most volatile month in 2025 was April, with a trading range of 1.2000 NPR (High: 20.8512 / Low: 19.6513). On the other end, November was the most stable month, with a tight range of 0.3803 NPR (High: 22.0044 / Low: 21.6242).

April Spread (Volatile) ±1.2000
November Spread (Stable) ±0.3803

Growth Streaks & Declines

Trends

Between May and September, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 4 straight months. Conversely, the sharpest month-over-month decline occurred between September and October, when the average rate fell by 0.1465 points.

Longest Streak 4 Mo.
Sharpest MoM Drop -0.1465

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2025: 22.3950) against the same month in 2024 (average: 18.8853), the exchange rate shifted by +3.5097 (+18.58%).

2025 Avg (December) 22.3950
2024 Avg (December) 18.8853

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 19.2199 18.7046 18.9486
February 19.4564 18.9362 19.2331
March 20.2122 19.2546 19.8318
April 20.8512 19.6513 20.4030
May 20.6683 19.9784 20.3877
June 21.4776 20.6271 21.0299
July 21.6048 21.1612 21.3481
August 21.8765 21.1894 21.6349
September 22.2552 21.7917 21.9870
October 22.1638 21.5795 21.8405
November 22.0044 21.6242 21.7971
December 22.6709 22.1042 22.3950