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Reporting date
31 Mar 2027
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Run
Q4 FY27 reporting
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Calculated
Account ED0005
Education · B. Joshi · Borrower BR-40172 · Reporting date 31 Mar 2027 · Run 01
Outstanding balance
₹4,05,000
Calculation
Summary
Source data
History
Stage
Stage 2 · lifetime, 84 months
PD deterioration · Staging policy v1
Model ECL
₹85,517
Bank reference
₹85,517
Difference
₹-0
Inspect calculation
Compare with bank
Scenario results
Base ₹80,056 × 40%
Downside ₹1,13,676 × 35%
Upside ₹54,831 × 25%
Probability-weighted ECL ₹85,517
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%