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What is DPD in CIBIL Report - Full Form, Meaning & Importance

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17/6/25 5:54 AM  | 4 Minutes
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DPD (Days Past Due) indicates the number of days passed since a missed payment due date. A negative DPD in CIBIL report is caused by any missed or delayed payments. This is why making timely repayments is crucial to maintain a good CIBIL score. Coming across a DPD while checking your CIBIL score can be a disconcerted experience. Ideally, you can restrict further negative impact by immediately clearing pending repayments or report an error. Read this blog to learn the meaning and significance of DPD in your credit report, how it affects your credit health and how you can build a credit profile, free from DPDs.

What is DPD - Full Form and Meaning
 

DPD In CIBIL Score

Days Past Due or DPD in CIBIL report is an indicator of your repayment behaviour. Simply put, the value indicates the number of days a credit card bill or a loan EMI payment has been delayed. Credit bureaus may record your DPDs for up to the last 36 months of your payment history. This means getting rid of a DPD record on your credit report can often take years.
For lenders, DPD is a significant metric in determining your repayment behaviour and financial discipline. A low or no DPD value represents timely repayment behaviour and trustworthy financial behaviour. Conversely, a high DPD value shows that you have a history of missed payments and lack financial discipline.

Interpreting DPD Values in CIBIL Report

Finding DPD information in your CIBIL report is pretty straightforward. It is ideally recorded under the accounts section of your CIBIL report. However, interpreting what the DPD value means is crucial to take rectifying measures. The below table highlights what each DPD value means and its implications.

DPD Value in CIBIL Report

Meaning

XXX

Indicates that DPD value is not updated by the lender or unavailable. It is a safe value.

000

Indicates no or zero delayed payments. It is a safe value.

STD

Indicates delayed or missed payments, with a delay of less than 90 days.

SUB

Indicates missed payments for more than 90 days leading to NPA stage for less than 12 months.

DBT

Indicates an account having DPD value as “SUB” that has remained in the same category for 12 months.

LSS

Indicates an account that the lender has classified as no longer recoverable.

 

Interpretation: Any DPD value other than XXX or 000 is a negative value and have an adverse impact on your credit report. Lenders classify all missed payments for more than 90 days as a Non-Performing Asset (NPA). While an STD value (less than 90 days) is generally less severe, it still impacts your CIBIL score negatively.

How DPD is Calculated – A Practical Example

As stated before, your DPD value simply indicates the number of days surpassed since you have missed payment toward your loan or credit card account. In other words, the more you delay repayment, the higher the DPD value goes and the more severely it impacts your credit health. 

Let’s consider an example where your credit card bill due date is on the 7th of every month. If you make the repayment on or before the due date, your DPD value is 0 and is the best thing to do for a good CIBIL score. However, if you make the repayment on the 9th day of that month, your DPD value becomes 2 (due to a 2-day delay). Similarly, if you delay by 5 or 10 days, your DPD value can go up to 5 or 10 respectively. Missing a payment can push DPD value to more than 15.

Missing a payment for more than a month leads to significantly high DPD making your CIBIL score drop drastically. This is why it is always recommended to make timely repayments as it is the most important factor in determining your CIBIL score.

Reporting DPD Errors in CIBIL Score

Negative DPD values can be reflected in your credit accounts for up to as long as 3 years. This is why making 100% timely payment is crucial throughout your financial history. Even with a good CIBIL score, lenders can still reject your loan/credit card applications due to frequent or significantly high DPDs in your CIBIL report in the recent past.

It is possible to report and rectify an erroneous DPD in your CIBIL report by following these simple steps. 

Step 1: Login to the CIBIL consumer login on the official website.
Step 2: Check your latest CIBIL report and identify the DPD error.
Step 3: Fill up and submit the Dispute form along with supporting documents.

After you submit the dispute form, CIBIL ideally investigates the issue with the lender. You can track the status of your dispute resolution on the CIBIL website. 

To Conclude

Coming across a DPD in CIBIL report can be a distressing experience as it negatively affects your CIBIL score. The DPD value indicates the number of days passed since a missed payment date toward a loan/credit card account. It can be found under the accounts section of your CIBIL report. The only way to keep your CIBIL report free from DPDs is to make 100% timely repayments. Any DPD value other than XXX or 000 is detrimental to your credit score and must be rectified. While DPDs can reflect in your accounts for up to 3 years, it is possible to get rid of erroneous DPDs by raising a dispute on the official CIBIL website. Check your CIBIL score for free on the Poonawalla Fincorp website today and report any erroneous DPD values promptly to maintain a good credit history.

Frequently Asked Questions

Can we remove DPD from CIBIL?
It is not possible to remove the DPD from your CIBIL report as it is determined by your payment history. Any delayed or missed payment is recorded in the form of a DPD value which can stay in your credit records for years.

Does DPD affect CIBIL score?
Yes. DPD affects your CIBIL score negatively and can lead to dropping of your score by 50 – 300 points and even more. Any DPD value other than XXX or 000 indicates that you have missed or delayed a payment which is detrimental to your credit health. 

How do I resolve incorrect DPD entries in CIBIL?
You can raise a dispute by logging in to the official CIBIL website to resolve any incorrect DPS entries in your report. However, if the DPD entry is due to a missed or delayed payment, it cannot be removed.

Disclaimer

We take utmost care to provide information based on internal data and reliable sources. However, this article and associated web pages provide generic information for reference purposes only. Readers must make an informed decision by reviewing the products offered and the terms and conditions. Loan disbursal is at the sole discretion of Poonawalla Fincorp.

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