ECL Workspace
Loading results
← Accounts
Example Bank
▾
Reporting date
31 Mar 2027
▾
Run
Q4 FY27 reporting
▾
Calculated
Account TM0000
Term · B. Joshi · Borrower BR-40272 · Reporting date 31 Mar 2027 · Run 01
Outstanding balance
₹20,00,000
Calculation
Summary
Source data
History
Stage
Stage 3 · lifetime, 60 months
NPA (credit-impaired) · Staging policy v1
Model ECL
₹8,75,676
Bank reference
₹8,75,676
Difference
₹-0
Inspect calculation
Compare with bank
Scenario results
Base ₹8,75,676 × 40%
Downside ₹8,75,676 × 35%
Upside ₹8,75,676 × 25%
Probability-weighted ECL ₹8,75,676
Recovery assumptions
Recovery assumptions
Assumption
Value
Assumption
Value
Collateral valuation
₹22,00,000
Valuation date
31 Mar 2027
Haircut
25.0%
Recovery lag
—
Recovery costs
—
Effective LGD
43.8%