Abstract:We solve the Klein-Gordon equation for a scalar field, in the background geometry of a dust cloud collapsing to form a black hole, everywhere in the (1+1) spacetime: that is, both inside and outside the event horizon and arbitrarily close to the curvature singularity. This allows us to determine the regularized stress tensor expectation value, everywhere in the appropriate quantum state (viz., the Unruh vacuum) of the field. We use this to study the behaviour of energy density and the flux measured in local inertial frames for the radially freely falling observer at any given event. Outside the black hole, energy density and flux lead to the standard results expected from the Hawking radiation emanating from the black hole, as the collapse proceeds. Inside the collapsing dust ball, the energy densities of both matter and scalar field diverge near the singularity in both (1+1) and (1+3) spacetime dimensions; but the energy density of the field dominates over that of classical matter. In the (1+3) dimensions, the total energy (of both scalar field and classical matter) inside a small spatial volume around the singularity is finite (and goes to zero as the size of the region goes to zero) but the total energy of the quantum field still dominates over that of the classical matter. Inside the event horizon, but outside the collapsing matter, freely falling observers find that the energy density and the flux diverge close to the singularity. In this region, even the integrated energy inside a small spatial volume enclosing the singularity diverges. This result holds in both (1+1) and (1+3) spacetime dimensions with a milder divergence for the total energy inside a small region in (1+3) dimensions. These results suggest that the back-reaction effects are significant even in the region outside the matter but inside the event horizon, close to the singularity.