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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 TO0011
Term · Y. Bhat · Borrower BR-40298 · Reporting date 31 Mar 2027 · Run 01
Outstanding balance
₹20,11,000
Calculation
Summary
Source data
History
Stage
Stage 2 · lifetime, 60 months
PD deterioration · Staging policy v1
Model ECL
₹1,09,234
Bank reference
₹1,09,234
Difference
₹0
Inspect calculation
Compare with bank
Scenario results
Base ₹1,05,051 × 40%
Downside ₹1,32,332 × 35%
Upside ₹83,592 × 25%
Probability-weighted ECL ₹1,09,234
Recovery assumptions
Recovery assumptions
Assumption
Value
Assumption
Value
Collateral valuation
₹22,12,100
Valuation date
31 Mar 2027
Haircut
25.0%
Recovery lag
—
Recovery costs
—
Effective LGD
43.8%