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Reporting date
31 Mar 2027
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Run
Q4 FY27 reporting
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Calculated
Account CE0010
Term · D. Patel · Borrower BR-40327 · Reporting date 31 Mar 2027 · Run 01
Outstanding balance
₹80,10,000
Calculation
Summary
Source data
History
Stage
Stage 2 · lifetime, 96 months
DPD > 30 backstop · Staging policy v1
Model ECL
₹4,10,901
Bank reference
₹3,78,029
Difference
₹32,872
Inspect calculation
Compare with bank
Scenario results
Base ₹4,03,161 × 40%
Downside ₹4,58,924 × 35%
Upside ₹3,56,055 × 25%
Probability-weighted ECL ₹4,10,901
Recovery assumptions
Recovery assumptions
Assumption
Value
Assumption
Value
Collateral valuation
₹88,11,000
Valuation date
31 Mar 2027
Haircut
25.0%
Recovery lag
—
Recovery costs
—
Effective LGD
43.5%