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Reporting date
31 Mar 2027
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Run
Q4 FY27 reporting
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Calculated
Account CE0004
Term · K. Nair · Borrower BR-40321 · Reporting date 31 Mar 2027 · Run 01
Outstanding balance
₹80,04,000
Calculation
Summary
Source data
History
Stage
Stage 1 · 12-month
No SICR trigger · Staging policy v1
Model ECL
₹1,21,879
Bank reference
₹1,21,879
Difference
₹0
Inspect calculation
Compare with bank
Scenario results
Base ₹1,19,309 × 40%
Downside ₹1,37,281 × 35%
Upside ₹1,04,430 × 25%
Probability-weighted ECL ₹1,21,879
Recovery assumptions
Recovery assumptions
Assumption
Value
Assumption
Value
Collateral valuation
₹88,04,400
Valuation date
31 Mar 2027
Haircut
25.0%
Recovery lag
—
Recovery costs
—
Effective LGD
43.5%