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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 VLWL01
Auto · T. Pillai · Borrower BR-40051 · Reporting date 31 Mar 2027 · Run 01
Outstanding balance
₹1,50,000
Calculation
Summary
Source data
History
Stage
Stage 2 · lifetime, 48 months
Watchlist · Staging policy v1
Model ECL
₹3,396
Bank reference
₹3,396
Difference
₹-0
Inspect calculation
Compare with bank
Scenario results
Base ₹3,279 × 40%
Downside ₹4,037 × 35%
Upside ₹2,685 × 25%
Probability-weighted ECL ₹3,396
Recovery assumptions
Recovery assumptions
Assumption
Value
Assumption
Value
Collateral valuation
₹1,60,000
Valuation date
31 Mar 2027
Haircut
30.0%
Recovery lag
—
Recovery costs
—
Effective LGD
50.4%