What is DPD in CIBIL Report
Credit scores are calculated based on information gathered from multiple sources but mainly based on your credit report, which is a record of your credit history. The credit report contains information from lending institutions, collection agencies, and even the government. For example, if you’ve paid back previous loans on time, your credit report will reflect that.
Keep in mind, a delayed payment affects your credit score, which can impact your chances of getting a loan. DPD analysis and management are important so that your credit score will increase and getting a loan will become easier.
What is DPD?
Days Past Due (DPD) is an important element in your credit report. It shows whether you have missed any loan or credit card payment, how many installments are overdue, and by how many days they are delayed. Even if you default on a single installment, the DPD stays on your report for the next three years, which lowers your credit score and reduces the chances of getting any loan approved.
How DPD appears on your credit report:
000: All payments made for that month.
XXX: Lender hasn’t reported to the bureau yet.
30/60: Shows the number of days the loan is overdue.
STD (Standard Payment): Payment made within 90 days.
NPA (Non-Performing Asset): Payment not made within 90 days.
SUB (Sub-Standard Payment): Payment made only after 90 days.
DBT: Payment not made for up to 12 months, but recovery is possible.
LSS: Bank has lost hope of repayment from the borrower.
Difference between DPD and a simple late payment:
A late payment is a single delayed or missed payment.
DPD shows how many days your payment is overdue. It helps lenders understand how regularly you repay your loans. For example, if you pay an EMI 45 days late, your DPD becomes 45 — and this directly lowers your CIBIL score. By keeping an eye on your DPD, you can understand how serious late payments are and take steps to keep your credit health strong.
Importance of DPD in Credit
- Assessment DPD directly impacts your CIBIL score.
- It signals your payment behavior to banks and lenders.
- High DPD can lead to loan rejection or higher interest rates.
Causes of DPD
- Late EMI payments – missing due dates increases DPD.
- Not paying credit card minimum dues – even small unpaid amounts count.
- Financial emergencies or cash flow problems – sudden expenses can delay payments.
- Ignoring payment reminders – missed payments show up as DPD.
How to Reduce DPD and Improve Your Credit Score
- Pay your overdue amounts immediately.
- Set up reminders or auto-debit
- Negotiate settlements or rescheduling with lenders
- Maintain a consistent payment track record.
Conclusion
DPD is a key metric that affects your creditworthiness. Readers are encouraged to regularly monitor DPD in their CIBIL report to prevent potential issues. Check your CIBIL report regularly to avoid high DPD and improve your credit score
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