STD, LSS & DPD in CIBIL Reports: Meaning & Differences

Your CIBIL score gives you a three-digit number that determines your eligibility to get a loan at favourable terms; however, it doesn’t tell you the full story. The real details sit inside the detailed CIBIL report marked through various terms including STD, LSS, and DPD.

These are not any technical labels; they just show how each of your credit accounts is actually performing. For example, STD in CIBIL means Standard, which means the account is regular; no issues, and on the other hand, LSS means Lender Settled Status, which is a negative marker. 
So, if you have come across any such acronym in your CIBIL credit report, then let’s understand what it means in detail. 

Where Do You Find STD, LSS, and DPD in CIBIL Report?

When you view your CIBIL report, you can find terms like STD, LSS, and DPD in the Accounts Information section. This section mentions everything about every loan or credit card with details, like account type, lender name, and current status. There are two sections: 

●    Account Status: This is where STD, LSS, or SUB is mentioned. 
●    DPD History: It shows a numerical code which represents your monthly payment behaviour.

If Account Status shows STD and DPD History is 0, then everything is good. However, if it is not, then you need to check which accounts show delays or outdated data and get them sorted. 

What is an STD in CIBIL?

STD meaning in CIBIL refers to “Standard” and indicates that a credit account is performing according to the agreed repayment schedule. 

Technically, an STD status means that there are no overdues exceeding regulatory limits and that the account is a “Standard Asset” according to RBI guidelines, with no impairment in repayment ability. Payments are deemed compliant when dues are cleared between 0 and 90 days past due (DPD < 90). The permanence of STD status leads to stability in credit scores, increased lender confidence, and a higher likelihood of future credit approval.

What is LSS in CIBIL?

LSS in the CIBIL report stands for “Lender Settled Status” and indicates that a borrower has closed a loan by paying less than the total outstanding amount. 

Technically, this is a compromise settlement between the borrower and the lender, usually after the borrower has defaulted or has been stressed by repayment and ends up being a partial recovery to the lender. 

In terms of credit risk, LSS in the CIBIL report is considered a negative behavioural indicator, as it indicates the risk of default and can lead to increased rigorous underwriting inspections. The account history, with past DPD values, is still visible in the credit report, even after settlement, and it still impacts lender decisions.

What is DPD in CIBIL?

DPD in the CIBIL report stands for “Days Past Due” and quantifies the delay in payment relative to the due date. It is recorded on a monthly basis and is usually represented in values such as: 

●    000 = no delay
●    030 = 30 days overdue
●    060 = 60 days overdue
●    090 or above = severe delinquency, which is considered a critical threshold 

In terms of scoring, higher DPD values indicate greater delinquency risk, and repeated instances can lead to a significant decrease in the credit score. A DPD of 90 days or more can also result in the account being classified as a Non-Performing Asset (NPA), further affecting creditworthiness.

What is SUB in CIBIL?

SUB in the CIBIL report stands for “Substandard” and refers to a credit account that has remained overdue for more than 90 days; however, has not yet progressed to more severe default categories.
In terms of credit impact, SUB in the CIBIL report is a negative indicator, as it reflects sustained delinquency and weak repayment behaviour. It shows that you have not been paying back your loans on time, and this can hurt your credit score.

Difference Between STD, LSS, and DPD in CIBIL

Below are the core differences between STD, LSS, and DPD in a CIBIL report:

How to Avoid LSS Remark on CIBIL Report?

An LSS in a CIBIL report normally comes about when a borrower is not in a position to pay the entire balance and decides to settle. This is a direct indication of financial stress and perceived credit risk. It is imperative to avoid escalation.

●    Always make full repayment a priority: It is always best to close dues. A partial settlement is not considered as good as even a delayed full repayment.
●    Restructure rather than settle: In case of difficulty in repayment, seek restructuring, EMI renegotiation, or moratorium by the lender. These are not as harmful as LSS.
●    Take action at early warning signs: Do not wait until it is too late. As soon as the strain of repayment sets in, negotiate with the lender to renegotiate.
●    Avoid lengthy delinquency (90+ DPD): High DPD accounts are more prone to proceeding to settlement talks. The prevention of LSS is through the control of DPD.
●    Maintain emergency liquidity: Having a financial buffer minimises the chance of forced settlements in times of income shocks.

Tips to Maintain 000 DPD in CIBIL Report

Stable 000 in DPD is good credit discipline and one of the most powerful factors in credit scoring. Here are some essential tips to maintain it:

●    Automate EMIs and credit card payments: Use auto-debit or standing instructions to avoid due dates being missed.
●    Follow up on billing cycles: Keep track of statement dates, due dates, and balances on all accounts.
●    Pay early, not on the due date: Early payments lessen the risk of late payments as a result of processing or bank holidays.
●    Maintain a low utilisation of less than 30% at all times: High utilisation may result in overstretching the ability to repay and indirectly cause delays.
●    Avoid excessive leverage: Have a limited number of active loans and make sure that the EMI payments are not excessive.
●    Periodically check your credit report: Find and fix reporting mistakes that can misrepresent late payments.

Read Also: How to Raise a CIBIL Dispute to Fix the Errors in Credit Report? 

To Conclude

Knowing about STD, LSS and DPD is important in understanding your CIBIL report, not only by the score. These indicators highlight your discipline in repaying, risk profile and behaviour over time. Maintaining STD status, avoiding high DPD values, and preventing LSS entries are key to building a strong and sustainable credit profile.

Check your CIBIL score today with Poonawalla Fincorp to understand your credit health and improve your loan eligibility. Stay informed and take the right steps to secure better interest rates and faster approvals.

FAQs

What does STD mean in a CIBIL report?
STD is an abbreviation that means Standard and shows that a credit account is being repaid within the expected time without any major overdue, which implies good repayment behaviour.

Is LSS bad for your CIBIL score?
Yes, LSS (Lender Settled Status) is regarded as negative because it indicates that the loan is settled below the full amount, which indicates an increased credit risk to lenders.

What is a good DPD value in CIBIL?
The ideal DPD value is 000, which means that there is no delay in payments and high repayment discipline.

How long does LSS remain in a CIBIL report?
LSS may stay in your credit report as a part of your credit history and affect the decision of lenders during that time.

Can DPD affect loan approval?
Yes, increased or recurring DPD scores will decrease your credit score and may cause increased scrutiny or rejection of loan applications.