2020 HTG to NPR Historical Review

YEARLY HIGH

1.8891 NPR

YEARLY LOW

1.0334 NPR

YEARLY AVERAGE

1.3125 NPR

2020 HTG to NPR Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the HTG to NPR exchange rate experienced significant fluctuation. The market reached its absolute peak on October 22, valuing the pair at 1.8891. Conversely, the yearly low was recorded on September 6, dropping to 1.0334.

This high-to-low spread represents a total annual volatility of 0.8557 NPR. From a start-to-finish perspective, comparing the January average rate of 1.1605 to the December average rate of 1.6861, the exchange rate registered a net change of 45.28% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 1.8891 was up 28.36% compared to the 2019 peak of 1.4717, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 9,446 NPR

2019 Average 6,265 NPR

Yearly Trough Low 5,167 NPR

Transaction Impact: A difference of 4,278.29 NPR purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

1.9333

0.9869

JanuMarcMayJulySeptNove

HTG 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 1.1863, compared to 1.4388 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.2525 points.

H1 Avg (Jan–Jun) 1.1863

H2 Avg (Jul–Dec) 1.4388

Volatility Range Comparison

Volatility

The most volatile month in 2020 was December, with a trading range of 0.1910 NPR (High: 1.8005 / Low: 1.6095). On the other end, May was the most stable month, with a tight range of 0.0291 NPR (High: 1.1480 / Low: 1.1189).

December Spread (Volatile) ±0.1910

May Spread (Stable) ±0.0291

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 November and December, when the average rate fell by 0.1650 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.1650

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (October 2020: 1.8544) against the same month in 2019 (average: 1.1824), the exchange rate shifted by +0.6720 (+56.84%).

2020 Avg (October) 1.8544

2019 Avg (October) 1.1824

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	1.2090	1.1437	1.1605
February	1.3074	1.1297	1.1725
March	1.3074	1.2440	1.2621
April	1.2893	1.2387	1.2636
May	1.1480	1.1189	1.1377
June	1.1336	1.0990	1.1211
July	1.1051	1.0725	1.0878
August	1.0815	1.0461	1.0658
September	1.1214	1.0334	1.0876
October	1.8891	1.7519	1.8544
November	1.8876	1.7880	1.8511
December	1.8005	1.6095	1.6861