STD in CIBIL Report: Full Form, Meaning & Impact on Score

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In a CIBIL report, STD stands for ‘Standard’ and is a prominent keyword commonly seen in credit card and loan accounts. STD in CIBIL report means that you have cleared all your outstanding dues either on time or within 90 days of the due date.

It is essential to understand what STD in CIBIL report means to thoroughly analyse your credit report, as it essentially represents a track record of timely payments.

A ‘Standard’ account signals to lenders that you are a reliable borrower. Regular on-time payments are likely to result in your account being marked as ‘Standard.’ This can help maintain or improve your credit score. It will be easier to secure loans or credit in the future.

Where is the STD Status Displayed in a CIBIL Report

The STD status is usually displayed in the Account Details section of the CIBIL report. This section includes vital details such as the account name, account number, outstanding balance, and payment history. When an account shows ‘STD,’ it signifies that the payments have been made promptly.

This positive status is reflected in your overall credit score.

Understanding STD Status for Borrowers

The STD status in a CIBIL report signifies that a borrower is managing their debts responsibly. It plays a crucial role in assessing creditworthiness and financial reliability. Here is what it implies for borrowers:

Timely Payments: The borrower has cleared dues within 90 days of the due date
Creditworthiness: An STD status reflects responsible borrowing, enhancing the likelihood of securing loans or credit
Better Loan Terms: Lenders may offer favourable terms, such as lower interest rates, to borrowers with STD status
Credit Score Impact: It positively influences the credit score, indicating a strong repayment history

Track Your Repayment History with the Bajaj Markets App

To maintain a strong credit profile, it's essential to monitor your repayment history regularly. The Bajaj Markets app helps you do just that with a 36-month repayment history widget that tracks your payment behaviour across all your loans and credit cards.

What the Widget Shows:

Monthly Repayment Status
The widget displays your repayment status for the past 36 months, allowing you to see whether you’ve made payments on time, missed payments, or defaulted.
Detailed Payment Tracking
It breaks down on-time payments (marked in green), missed payments (yellow), and defaults (red), so you can instantly spot any areas of concern in your repayment habits.
Repayment Consistency
The widget gives you a clear visual representation of your payment consistency over the last 3 years, helping you see trends, like whether your payments have been improving or declining.
Impact on Credit Profile
By regularly checking the widget, you can ensure that your STD status (Standard) remains intact, which indicates responsible credit behaviour. You’ll also be able to see when overdue payments could potentially affect your CIBIL score.

By using the Bajaj Markets app, you are empowered to stay on top of your repayment history and avoid any late payment entries that could harm your CIBIL score.

STD vs Other Account Statuses

A CIBIL report contains various account statuses that indicate how well a borrower manages their repayments. These statuses play a crucial role in determining your creditworthiness. The following are some common account statuses and their effects on your credit score.

Term	Meaning	Impact on Credit Score
STD	Means the borrower is paying on time without delays	Positive It demonstrates good credit habits and improves your credit score
LSS	Indicates the borrower paid less than the full loan amount	Negative Settled loans for less than the full amount still negatively impact your credit score
DPD	Shows how many days the payment is overdue	Negative Longer overdue payments severely harm your credit score, signalling financial difficulty to lenders

How to Report STD Errors in a CIBIL Report

Errors in your CIBIL report, such as an incorrect ‘Standard’ status, can negatively affect your credit score. This situation may risk your opportunities for loan approval. Remember to always examine your report meticulously and rectify any inaccuracies. The process for reporting errors is as follows:

Visit the official CIBIL website and log in using your credentials
Complete the Dispute Resolution Form with accurate information
After submitting the form, a complaint ID will be sent to your registered email for tracking
CIBIL will contact your bank or lender to verify the issue
Upon confirmation, they will update your report
This process typically takes around 30 days

Important Links

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What is the STD full form in CIBIL?

In a CIBIL report, STD means "Standard." It indicates that an account is in good standing, with no overdue payments. An STD label reflects consistent, timely payments as per the original terms.

Is STD in CIBIL good or bad?

An STD status in CIBIL is positive, as it shows that the account is regular and payments are up to date. It reflects well on your credit report, signifying responsible credit behaviour, which is favourable for your CIBIL score and future credit opportunities.

Does STD affect CIBIL score?

Yes. Since an STD status reflects timely payments, it contributes positively to your CIBIL score. This regular repayment history shows creditworthiness, which helps maintain or improve your credit score.

How long does the STD Status remain on my CIBIL report?

The ‘STD’ status stays on your CIBIL report as long as payments are timely. However, if payments are delayed by over 90 days, the status may change to ‘Special Mention Account’ (SMA) or ‘Sub-standard,’ which can impact your credit score.

What is STD in banking?

In banking terminology, STD also stands for ‘Standard,’ and is used to label accounts or loans that are regular, meaning that payments are made on time. In contrast, terms like ‘Sub-standard’ or ‘Non-performing’ denote accounts with repayment issues.

What is SUB STD in CIBIL?

In a CIBIL report, "SUB" refers to Sub-Standard, which signifies that loan payments were made after 90 days. This results in a negative credit history and shows delayed repayments.

What is the meaning of ‘SMA’ in the CIBIL score?

SMA stands for Special Mention Accounts, referring to accounts with early signs of default, typically within 90 days. It highlights potential payment issues before the account turns into an NPA.