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Reporting date
31 Mar 2027
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Run
Q4 FY27 reporting
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Calculated
Account GJ0010
Term · B. Joshi · Borrower BR-40312 · Reporting date 31 Mar 2027 · Run 01
Outstanding balance
₹25,10,000
Calculation
Summary
Source data
History
Stage
Stage 2 · lifetime, 60 months
DPD > 30 backstop · Staging policy v1
Model ECL
₹54,136
Bank reference
₹54,136
Difference
₹-0
Inspect calculation
Compare with bank
Scenario results
Base ₹48,441 × 40%
Downside ₹78,064 × 35%
Upside ₹29,747 × 25%
Probability-weighted ECL ₹54,136
Recovery assumptions
Recovery assumptions
Assumption
Value
Assumption
Value
Collateral valuation
₹27,61,000
Valuation date
31 Mar 2027
Haircut
10.0%
Recovery lag
—
Recovery costs
—
Effective LGD
30.9%