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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 VL0035
Auto · C. Mahadevan · Borrower BR-40035 · Reporting date 31 Mar 2027 · Run 01
Outstanding balance
₹1,35,000
Calculation
Summary
Source data
History
Stage
Stage 1 · 12-month
No SICR trigger · Staging policy v1
Model ECL
₹2,929
Bank reference
₹3,456
Difference
₹-527
Inspect calculation
Compare with bank
Scenario results
Base ₹2,825 × 40%
Downside ₹3,495 × 35%
Upside ₹2,305 × 25%
Probability-weighted ECL ₹2,929
Recovery assumptions
Recovery assumptions
Assumption
Value
Assumption
Value
Collateral valuation
₹0
Valuation date
31 Mar 2027
Haircut
100.0%
Recovery lag
—
Recovery costs
—
Effective LGD
100.0%