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Reporting date
31 Mar 2027
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Run
Q4 FY27 reporting
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Calculated
Account VL0030
Auto · G. Reddy · Borrower BR-40030 · Reporting date 31 Mar 2027 · Run 01
Outstanding balance
₹1,30,000
Calculation
Summary
Source data
History
Stage
Stage 2 · lifetime, 48 months
DPD > 30 backstop · Staging policy v1
Model ECL
₹2,911
Bank reference
₹2,911
Difference
₹-0
Inspect calculation
Compare with bank
Scenario results
Base ₹2,810 × 40%
Downside ₹3,460 × 35%
Upside ₹2,301 × 25%
Probability-weighted ECL ₹2,911
Recovery assumptions
Recovery assumptions
Assumption
Value
Assumption
Value
Collateral valuation
₹1,40,000
Valuation date
31 Mar 2027
Haircut
30.0%
Recovery lag
—
Recovery costs
—
Effective LGD
49.8%