The mold on your soil surface confirms the diagnosis—this 10-12 foot ficus has been kept too wet for too long. Ficus trees are not swamp plants; they demand a distinct dry-down period between waterings.
The summer outdoors helped because light levels were adequate. Indoors, place directly in front of a south or west window with blinds open dawn to dusk. This species needs maximum indoor light to maintain foliage density.
Stop fertilizing until the plant recovers. Feeding a stressed, overwatered plant accelerates decline. Resume only when new growth appears, using half-strength balanced fertilizer monthly.
Leaf drop will slow within 2-3 weeks of corrected care. New growth emerges in 4-8 weeks with adequate light. The tree's size means recovery is slower than smaller specimens—patience is essential.
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