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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 TM0014
Term · V. Menon · Borrower BR-40286 · Reporting date 31 Mar 2027 · Run 01
Outstanding balance
₹20,14,000
Calculation
Summary
Source data
History
Stage
Stage 2 · lifetime, 60 months
PD deterioration · Staging policy v1
Model ECL
₹1,71,054
Bank reference
₹1,71,054
Difference
₹0
Inspect calculation
Compare with bank
Scenario results
Base ₹1,59,861 × 40%
Downside ₹2,27,843 × 35%
Upside ₹1,09,459 × 25%
Probability-weighted ECL ₹1,71,054
Recovery assumptions
Recovery assumptions
Assumption
Value
Assumption
Value
Collateral valuation
₹22,15,400
Valuation date
31 Mar 2027
Haircut
25.0%
Recovery lag
—
Recovery costs
—
Effective LGD
43.8%