{"id":47602,"date":"2025-01-20T16:53:29","date_gmt":"2025-01-20T11:23:29","guid":{"rendered":"https:\/\/www.tatacapital.com\/blog\/?p=47602"},"modified":"2026-01-19T16:40:44","modified_gmt":"2026-01-19T11:10:44","slug":"days-past-due-in-cibil-report","status":"publish","type":"post","link":"https:\/\/www.tatacapital.com\/blog\/credit-score\/days-past-due-in-cibil-report\/","title":{"rendered":"DPD in CIBIL: What is Days Past Due in the CIBIL Report?"},"content":{"rendered":"\n

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Days Past Due (DPD) is an essential aspect of your CIBIL report. It is used to track a person\u2019s payment behaviour. DPD also identifies if you have not paid your Credit Card<\/a> or EMI bills<\/a>.<\/p>\n\n\n\n

Your CIBIL report gives details about your credit history. It also helps financial institutions and banks understand your payment behaviour.    <\/p>\n\n\n\n

This blog will explore the DPD meaning in CIBIL, its impact on your credit score, and help you grasp the importance of monitoring it.<\/p>\n\n\n\n

What is DPD Meaning in a CIBIL Report?<\/h2>\n\n\n\n

DPD in loan or the CIBIL report means the number of days you have missed making a payment on your credit account after its due date. Essentially, DPD records how long you\u2019ve delayed paying your loan or credit card installment. <\/p>\n\n\n\n

CIBIL report\u2019s \u2018Payment History\u2019 section has your DPD information. It helps lenders evaluate your repayment behavior over the past 36 months.<\/p>\n\n\n\n

How is DPD Calculated in CIBIL?<\/h2>\n\n\n\n

Now that you understand what DPD in loan or CIBIL means, let\u2019s look at how it is calculated. DPD is calculated by subtracting the due date from the date when you made the payment. <\/p>\n\n\n\n

Here\u2019s a straightforward formula: DPD = Date of Payment \u2013 The Due Date. <\/p>\n\n\n\n

Let\u2019s understand DPD\u2019s calculation with an example. <\/p>\n\n\n\n

Ms. Shah\u2019s credit card payment was due on the 20th of December. But she cleared her credit card bill on the 25th. So, her DPD will be 5 days. You must note that the DPD calculation considers calendar days, including weekends and holidays.<\/p>\n\n\n\n

DPD counts any payment you make after the due date, even if you\u2019re late by just one day. Lenders report DPD monthly to credit bureaus like CIBIL. It is vital to maintain a low DPD as it directly impacts your credit score and financial credibility.<\/p>\n\n\n\n

How DPD is Shown in CIBIL & Why DPD Matters<\/h2>\n\n\n\n

In your CIBIL report, DPD shows your payment history over the past 36 months for each credit account. Common entries include:<\/p>\n\n\n\n

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Notations <\/td>Meaning<\/td><\/tr>
000<\/td>Points that you have paid your credit bills on time. <\/td><\/tr>
STD<\/td>Shows that the payment is due for less than 90 days. <\/td><\/tr>
SUB<\/td>Points that the payment is due for over 90 days. <\/td><\/tr>
DBT <\/td>Tells that the credit account has been marked under the SUB category for a period of 12 months. <\/td><\/tr>
LSS<\/td>Indicates an account that cannot be considered collectable.<\/td><\/tr>
XXX<\/td>Denotes that the lender has not reported the data for that period. <\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

Regularly checking your CIBIL report can help you keep track of your DPD and ensure the accuracy of this indicator.<\/p>\n\n\n\n


Impact of DPD in CIBIL Report on Credit Score and Loans<\/h2>\n\n\n\n

Lenders scrutinize your DPD to assess your creditworthiness. Even a single delay in payments can have a negative effect on your score. <\/p>\n\n\n\n

If you take more than 90 days past due to pay your credit bills, your lender may view you as a potential risk. Lenders may charge higher interest rates, reduce your credit limits, or even reject your future loan applications<\/a> due to the same. <\/p>\n\n\n\n

Conversely, if you have a history of \u201c000\u201d entries, it will demonstrate strong financial management and position you as a low-risk borrower. High DPD values can lead to:<\/p>\n\n\n\n