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Reporting date
31 Mar 2027
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Run
Q4 FY27 reporting
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Calculated
Account NS0006
Term · Y. Bhat · Borrower BR-40218 · Reporting date 31 Mar 2027 · Run 01
Outstanding balance
₹30,06,000
Calculation
Summary
Source data
History
Stage
Stage 1 · 12-month
No SICR trigger · Staging policy v1
Model ECL
₹35,214
Bank reference
₹35,214
Difference
₹-0
Inspect calculation
Compare with bank
Scenario results
Base ₹33,347 × 40%
Downside ₹44,495 × 35%
Upside ₹25,207 × 25%
Probability-weighted ECL ₹35,214
Recovery assumptions
Recovery assumptions
Assumption
Value
Assumption
Value
Collateral valuation
₹33,06,600
Valuation date
31 Mar 2027
Haircut
25.0%
Recovery lag
—
Recovery costs
—
Effective LGD
43.5%