YEARLY HIGH
115.7777 PKR
YEARLY LOW
89.3516 PKR
YEARLY AVERAGE
105.2665 PKR

2020 NZD to PKR Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the NZD to PKR exchange rate experienced significant fluctuation. The market reached its absolute peak on December 30, valuing the pair at 115.7777. Conversely, the yearly low was recorded on March 22, dropping to 89.3516.

This high-to-low spread represents a total annual volatility of 26.4262 PKR. From a start-to-finish perspective, comparing the January average rate of 102.3099 to the December average rate of 113.7408, the exchange rate registered a net change of 11.17% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 115.7777 was up 5.19% compared to the 2019 peak of 110.0618, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 578,889 PKR
2019 Average 494,514 PKR
Yearly Trough Low 446,758 PKR
Transaction Impact: A difference of 132,130.82 PKR purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

115.5464
93.8790
JanuMarcMayJulySeptNove

NZD 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 99.9976, compared to 110.5354 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 10.5378 points.

H1 Avg (Jan–Jun) 99.9976
H2 Avg (Jul–Dec) 110.5354

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 10.4527 PKR (High: 99.8042 / Low: 89.3516). On the other end, August was the most stable month, with a tight range of 2.8934 PKR (High: 112.8864 / Low: 109.9930).

March Spread (Volatile) ±10.4527
August Spread (Stable) ±2.8934

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 January and February, when the average rate fell by 3.6388 points.

Longest Streak 3 Mo.
Sharpest MoM Drop -3.6388

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2020: 113.7408) against the same month in 2019 (average: 102.2582), the exchange rate shifted by +11.4827 (+11.23%).

2020 Avg (December) 113.7408
2019 Avg (December) 102.2582

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 104.8459 99.8303 102.3099
February 100.2996 96.4187 98.6711
March 99.8042 89.3516 95.6846
April 101.7332 94.9933 98.9230
May 100.9097 94.9454 97.6274
June 108.6444 102.4098 106.7699
July 111.9084 108.7687 110.1562
August 112.8864 109.9930 111.0250
September 112.5964 108.4154 110.6866
October 109.7850 106.1208 108.1029
November 112.1304 105.8583 109.5008
December 115.7777 112.5877 113.7408