What is DPD in CIBIL reports and why it is important?

  • Published on: 16 Nov 2023
What is DPD in CIBIL reports and why it is important?

The remark of DPD in a CIBIL report is an important detail that requires instant action on your part. It can affect your CIBIL score negatively and is one of many data points captured in your report apart from your credit score, recent credit inquiries and more. 

DPD meaning Days Past Due is thus an important factor that determines the probability of loan approval from banks or NBFCs. Read on to get further insight. 

What is DPD meaning and what is its format?

The presence of Days Past Due (DPD) in a CIBIL report is an important indicator of your creditworthiness. It reflects missed repayments of your loan EMIs or credit card bills in the past. 

The CIBIL report comprises a separate DPD table for each of the credit facilities you have opted for. This table provides a month-wise repayment history of a loan. The value mentioned against a particular month indicates the delay in repayment. Missed repayment deadlines or defaults can stay on a CIBIL report for up to seven years.  

What is the significance of DPD?

Now that you have understood the meaning of DPD, know why it is significant. Creditworthiness is a crucial factor for financial institutions to decide whether or not to approve a credit application. Timely repayment of EMIs and credit card bills reflects higher creditworthiness. 

This is where DPD comes into play, as it affects your loan eligibility. Too many DPD remarks can negatively affect your CIBIL score and make you seem like an irresponsible borrower. In fact, loan applicants can get a loan with a low credit score if they have no remarks concerning DPD in CIBIL reports.

DPD values and what they signify

A DPD table in the CIBIL report contains varied values, which signify different details. Here is a look at what each of these refers to: 


This value indicates that the borrower has repaid all credit dues on the due date and doesn’t have any remaining balance. It is the safest value to have on your CIBIL report. 

If this value appears against every month of your repayment schedule, it indicates that you have never missed an EMI. Thus, lenders may sanction your loan even if you have a lower credit score but a DPD value of 000.


This value appears on your CIBIL report when the lender has not provided any data regarding your loan repayment. If your CIBIL report mentions this value, lenders consider this as a safe option. In other words, this value also doesn’t have any negative impact on your credit report or score. 

30, 60, 90

These values on the DPD table in your CIBIL report indicate the number of days passed from the due date. So, the value ‘30’ refers to the repayment made 30 days after the due date. A higher value has a directly proportionate negative impact on your credit score. 


STD refers to ‘Standard Payment,’ which means that the borrower has repaid within 90 days from the due date.


This value means ‘Sub-Standard Payment,’ denoting that the borrower made repayment 90 days after the due date.


DPT refers to ‘Doubtful,’ which indicates that the repayment has remained sub-standard for over a year.


LSS stands for ‘Loss,’ which denotes a bleak chance for the lender to recover the loan amount.

Also Check: Instant Cash Loan

How to resolve DPD errors in a CIBIL Report?

Now that you know what is DPD, understand how to resolve errors related to it in your CIBIL report. There may be inaccuracies or errors in your CIBIL report, including the DPD section. When you spot such an error, report it to the credit bureau. 

After you report it, TransUnion CIBIL adds an ‘Under Dispute’ tag to your CIBIL report. Once the lender presents the correct data to the bureau, they update your credit report accordingly and remove the ‘Under Dispute’ tag.  

A CIBIL score depends on various factors, including the Days Past Due remark and can hamper your chances of accessing funds when you need them. However, at Fibe you do not need to have a good score to get instant funds. 

Meet our simple eligibility terms, submit basic documents and get an Instant Personal Loan of up to ₹5 lakhs at affordable rates. Download the Fibe Personal Loan App or log in to our website to secure a loan with an easy repayment schedule of up to 36 months.  

FAQs on Days Past Due (DPD) in a CIBIL Report

Which DPD value has a negative impact on your CIBIL report?

All DPD values except ‘000’ and ‘XXX’ hurt your CIBIL score and have a negative impact on your CIBIL report.

When does the DPD in the CIBIL report get updated?

The values related to DPD in CIBIL reports are updated every time the lender sends the loan or credit card bill payment data to the credit rating agency. This usually happens every 30 to 45 days. 

Where can I find the DPD value in the CIBIL report?

You can find the Days Past Due values below the Credit Account Information Details under the ‘Payment History’ section in the CIBIL report.


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