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Reporting date
31 Mar 2027
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Run
Q4 FY27 reporting
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Calculated
Account AO0012
Other · J. Varghese · Borrower BR-40254 · Reporting date 31 Mar 2027 · Run 01
Outstanding balance
₹2,12,000
Calculation
Summary
Source data
History
Stage
Stage 2 · lifetime, 24 months
PD deterioration · Staging policy v1
Model ECL
₹23,609
Bank reference
₹23,609
Difference
₹-0
Inspect calculation
Compare with bank
Scenario results
Base ₹21,508 × 40%
Downside ₹33,091 × 35%
Upside ₹13,695 × 25%
Probability-weighted ECL ₹23,609
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%