YEARLY HIGH
45.0032 PKR
YEARLY LOW
39.6010 PKR
YEARLY AVERAGE
42.0135 PKR

2021 PEN to PKR Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the PEN to PKR exchange rate experienced significant fluctuation. The market reached its absolute peak on December 29, valuing the pair at 45.0032. Conversely, the yearly low was recorded on June 27, dropping to 39.6010.

This high-to-low spread represents a total annual volatility of 5.4023 PKR. From a start-to-finish perspective, comparing the January average rate of 44.2741 to the December average rate of 43.9098, the exchange rate registered a net change of -0.82% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2021 high of 45.0032 was down 9.55% compared to the 2020 peak of 49.7571, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 225,016 PKR
2020 Average 231,631 PKR
Yearly Trough Low 198,005 PKR
Transaction Impact: A difference of 27,011.26 PKR purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

44.7044
39.5406
JanuMarcMayJulySeptNove

PEN 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 42.0442, compared to 41.9827 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0615 points.

H1 Avg (Jan–Jun) 42.0442
H2 Avg (Jul–Dec) 41.9827

Volatility Range Comparison

Volatility

The most volatile month in 2021 was October, with a trading range of 2.8620 PKR (High: 44.1209 / Low: 41.2589). On the other end, January was the most stable month, with a tight range of 0.4179 PKR (High: 44.4729 / Low: 44.0550).

October Spread (Volatile) ±2.8620
January Spread (Stable) ±0.4179

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 1.6008 points.

Longest Streak 4 Mo.
Sharpest MoM Drop -1.6008

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2021: 43.9098) against the same month in 2020 (average: 44.5140), the exchange rate shifted by -0.6041 (-1.36%).

2021 Avg (December) 43.9098
2020 Avg (December) 44.5140

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 44.4729 44.0550 44.2741
February 44.1017 43.2507 43.7196
March 43.2025 40.5905 42.1188
April 42.5186 40.2379 41.5159
May 41.6097 39.8732 40.6660
June 40.7119 39.6010 39.9709
July 41.4308 39.7054 40.6395
August 41.4308 39.9491 40.3993
September 41.3330 40.7572 41.0087
October 44.1209 41.2589 42.8051
November 43.7784 42.2412 43.1340
December 45.0032 43.0745 43.9098