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Reporting date
31 Mar 2027
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Run
Q4 FY27 reporting
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Calculated
Account AO0005
Other · D. Patel · Borrower BR-40247 · Reporting date 31 Mar 2027 · Run 01
Outstanding balance
₹2,05,000
Calculation
Summary
Source data
History
Stage
Stage 2 · lifetime, 24 months
PD deterioration · Staging policy v1
Model ECL
₹22,829
Bank reference
₹21,003
Difference
₹1,826
Inspect calculation
Compare with bank
Scenario results
Base ₹20,798 × 40%
Downside ₹31,999 × 35%
Upside ₹13,243 × 25%
Probability-weighted ECL ₹22,829
Recovery assumptions
Recovery assumptions
Assumption
Value
Assumption
Value
Collateral valuation
₹0
Valuation date
31 Mar 2027
Haircut
100.0%
Recovery lag
—
Recovery costs
—
Effective LGD
100.0%