YEARLY HIGH
3.5921 PKR
YEARLY LOW
3.1399 PKR
YEARLY AVERAGE
3.3055 PKR

2021 PHP to PKR Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the PHP to PKR exchange rate experienced significant fluctuation. The market reached its absolute peak on December 19, valuing the pair at 3.5921. Conversely, the yearly low was recorded on April 12, dropping to 3.1399.

This high-to-low spread represents a total annual volatility of 0.4522 PKR. From a start-to-finish perspective, comparing the January average rate of 3.3405 to the December average rate of 3.5289, the exchange rate registered a net change of 5.64% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2021 high of 3.5921 was up 3.32% compared to the 2020 peak of 3.4767, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

Comparing the value generated converting 250,000 PHP based on timing:

Yearly Peak High 898,019 PKR
2020 Average 816,242 PKR
Yearly Trough Low 784,967 PKR
Transaction Impact: A difference of 113,052.22 PKR purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

3.5656
3.1252
JanuMarcMayJulySeptNove

PHP 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: JanтАУJun) was 3.2446, compared to 3.3665 in the second half (H2: JulтАУDec). This shows that the rate was stronger in the second half (JulтАУDec) by a margin of 0.1219 points.

H1 Avg (JanтАУJun) 3.2446
H2 Avg (JulтАУDec) 3.3665

Volatility Range Comparison

Volatility

The most volatile month in 2021 was November, with a trading range of 0.1777 PKR (High: 3.5281 / Low: 3.3504). On the other end, January was the most stable month, with a tight range of 0.0325 PKR (High: 3.3625 / Low: 3.3300).

November Spread (Volatile) ┬▒0.1777
January Spread (Stable) ┬▒0.0325

Growth Streaks & Declines

Trends

Between July and December, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 5 straight months. Conversely, the sharpest month-over-month decline occurred between February and March, when the average rate fell by 0.0837 points.

Longest Streak 5 Mo.
Sharpest MoM Drop -0.0837

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2021: 3.5289) against the same month in 2020 (average: 3.3335), the exchange rate shifted by +0.1954 (+5.86%).

2021 Avg (December) 3.5289
2020 Avg (December) 3.3335

рдорд╛рд╕рд┐рдХ рд╡рд┐рд╢реНрд▓реЗрд╖рдг

рдкреНрд░рддреНрдпреЗрдХ рдХреЕрд▓реЗрдВрдбрд░ рдорд╣рд┐рдиреНрдпрд╛рд╕рд╛рдареА рд╕рд╛рдВрдЦреНрдпрд┐рдХреАрдп рд╕рд╛рд░рд╛рдВрд╢.

Month High Low Average
January 3.3625 3.3300 3.3405
February 3.3461 3.2345 3.3005
March 3.2556 3.1453 3.2167
April 3.1888 3.1399 3.1619
May 3.2443 3.1733 3.2010
June 3.2799 3.2289 3.2469
July 3.2520 3.1524 3.1978
August 3.3985 3.2418 3.2823
September 3.4107 3.3208 3.3558
October 3.4431 3.3572 3.3909
November 3.5281 3.3504 3.4433
December 3.5921 3.4716 3.5289