YEARLY HIGH
26.9965 PKR
YEARLY LOW
23.6424 PKR
YEARLY AVERAGE
25.5774 PKR

2021 HRK to PKR Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the HRK to PKR exchange rate experienced significant fluctuation. The market reached its absolute peak on October 26, valuing the pair at 26.9965. Conversely, the yearly low was recorded on March 31, dropping to 23.6424.

This high-to-low spread represents a total annual volatility of 3.3541 PKR. From a start-to-finish perspective, comparing the January average rate of 25.8434 to the December average rate of 26.6845, the exchange rate registered a net change of 3.25% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2021 high of 26.9965 was up 0.58% compared to the 2020 peak of 26.8400, 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 134,983 PKR
2020 Average 122,593 PKR
Yearly Trough Low 118,212 PKR
Transaction Impact: A difference of 16,770.35 PKR purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

26.9326
23.9556
JanuMarcMayJulySeptNove

HRK 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 24.9771, compared to 26.1777 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 1.2006 points.

H1 Avg (Jan–Jun) 24.9771
H2 Avg (Jul–Dec) 26.1777

Volatility Range Comparison

Volatility

The most volatile month in 2021 was March, with a trading range of 1.5173 PKR (High: 25.1597 / Low: 23.6424). On the other end, February was the most stable month, with a tight range of 0.4488 PKR (High: 25.6084 / Low: 25.1596).

March Spread (Volatile) ±1.5173
February Spread (Stable) ±0.4488

Growth Streaks & Declines

Trends

Between April and October, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 6 straight months. Conversely, the sharpest month-over-month decline occurred between February and March, when the average rate fell by 0.9431 points.

Longest Streak 6 Mo.
Sharpest MoM Drop -0.9431

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (October 2021: 26.5465) against the same month in 2020 (average: 25.2995), the exchange rate shifted by +1.2469 (+4.93%).

2021 Avg (October) 26.5465
2020 Avg (October) 25.2995

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 26.1824 25.6244 25.8434
February 25.6084 25.1596 25.4525
March 25.1597 23.6424 24.5094
April 24.6972 23.6918 24.2037
May 25.1818 24.3663 24.7480
June 25.3240 24.8023 25.1057
July 25.7241 24.8836 25.2195
August 26.2906 25.5999 25.8658
September 26.7794 26.2406 26.4586
October 26.9965 26.2514 26.5465
November 26.7809 26.0736 26.2917
December 26.9667 26.2969 26.6845