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Reporting date
31 Mar 2027
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Run
Q4 FY27 reporting
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Calculated
Account SM0014
Term · T. Pillai · Borrower BR-40211 · Reporting date 31 Mar 2027 · Run 01
Outstanding balance
₹15,14,000
Calculation
Summary
Source data
History
Stage
Stage 1 · 12-month
No SICR trigger · Staging policy v1
Model ECL
₹26,655
Bank reference
₹26,655
Difference
₹0
Inspect calculation
Compare with bank
Scenario results
Base ₹25,800 × 40%
Downside ₹31,419 × 35%
Upside ₹21,353 × 25%
Probability-weighted ECL ₹26,655
Recovery assumptions
Recovery assumptions
Assumption
Value
Assumption
Value
Collateral valuation
₹16,65,400
Valuation date
31 Mar 2027
Haircut
25.0%
Recovery lag
—
Recovery costs
—
Effective LGD
44.1%