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Example Bank
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Reporting date
31 Mar 2027
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Run
Q4 FY27 reporting
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Calculated
Account GJ0000
Term · M. Iyer · Borrower BR-40302 · Reporting date 31 Mar 2027 · Run 01
Outstanding balance
₹25,00,000
Calculation
Summary
Source data
History
Stage
Stage 3 · lifetime, 60 months
NPA (credit-impaired) · Staging policy v1
Model ECL
₹7,73,514
Bank reference
₹7,73,514
Difference
₹-0
Inspect calculation
Compare with bank
Scenario results
Base ₹7,73,514 × 40%
Downside ₹7,73,514 × 35%
Upside ₹7,73,514 × 25%
Probability-weighted ECL ₹7,73,514
Recovery assumptions
Recovery assumptions
Assumption
Value
Assumption
Value
Collateral valuation
₹27,50,000
Valuation date
31 Mar 2027
Haircut
10.0%
Recovery lag
—
Recovery costs
—
Effective LGD
30.9%