YEARLY HIGH
2.2518 PKR
YEARLY LOW
1.6641 PKR
YEARLY AVERAGE
1.8346 PKR

2021 HTG to PKR Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the HTG to PKR exchange rate experienced significant fluctuation. The market reached its absolute peak on January 12, valuing the pair at 2.2518. Conversely, the yearly low was recorded on June 6, dropping to 1.6641.

This high-to-low spread represents a total annual volatility of 0.5877 PKR. From a start-to-finish perspective, comparing the January average rate of 2.2016 to the December average rate of 1.7645, the exchange rate registered a net change of -19.86% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2021 high of 2.2518 was down 13.50% compared to the 2020 peak of 2.6034, 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 11,259 PKR
2020 Average 8,957 PKR
Yearly Trough Low 8,321 PKR
Transaction Impact: A difference of 2,938.53 PKR purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

2.2524
1.6433
JanuMarcMayJulySeptNove

HTG to PKR 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 1.9436, compared to 1.7257 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.2179 points.

H1 Avg (Jan–Jun) 1.9436
H2 Avg (Jul–Dec) 1.7257

Volatility Range Comparison

Volatility

The most volatile month in 2021 was March, with a trading range of 0.1835 PKR (High: 2.0854 / Low: 1.9019). On the other end, July was the most stable month, with a tight range of 0.0510 PKR (High: 1.7315 / Low: 1.6805).

March Spread (Volatile) ±0.1835
July Spread (Stable) ±0.0510

Growth Streaks & Declines

Trends

Between August and December, 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 February and March, when the average rate fell by 0.1647 points.

Longest Streak 4 Mo.
Sharpest MoM Drop -0.1647

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2021: 2.2016) against the same month in 2020 (average: 1.5755), the exchange rate shifted by +0.6261 (+39.74%).

2021 Avg (January) 2.2016
2020 Avg (January) 1.5755

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 2.2518 2.1653 2.2016
February 2.2293 2.0755 2.1619
March 2.0854 1.9019 1.9972
April 1.9274 1.7920 1.8648
May 1.7933 1.6923 1.7378
June 1.7338 1.6641 1.6981
July 1.7315 1.6805 1.6943
August 1.7491 1.6673 1.6941
September 1.7571 1.6864 1.7161
October 1.7806 1.6921 1.7303
November 1.7879 1.7219 1.7551
December 1.7925 1.7285 1.7645