What is DPD Day Past Due in CIBIL Report

When you apply for a credit card or loan from any bank or financial institution, they first check your credit history to evaluate your creditworthiness. Hence, institutions like CIBIL generate a report called credit report or the CIBIL report. Applicants having a higher credit score and healthy credit profile are more likely to get a loan at lower interest rates. 

You can get your credit score by visiting the CIBIL TransUnion website. You can also check CIBIL score and get your personalized Financial Health Check Report on Finserv MARKETS for free! Here, along with the CIBIL score, you will get a credit report. In your credit report, you will find a section named CIBIL DPD. DPD stands for Days Past Due, meaning, the number of days by which your installments are delayed. Your DPD score plays a crucial role in getting your loan disbursed by an institution.

Here are a few important things about DPD in CIBIL that you should be apprised of while applying for a loan.

What is DPD in CIBIL

A DPD or ‘Days Past Due’ is one of the most crucial elements in the CIBIL credit report. DPD is shown in the accounts section of your credit report and it shows any installments that you have missed. It also reveals the information on your credit card bills and whether you pay your EMIs on time. If you have any missed/late payments, it shows the number of days by which you missed your EMI payment.

For ease of understanding, let us take an example. If an applicant has 3 loans, viz., education loan, home loan, and vehicle loan in his name, his CIBIL credit report will have 3 different DPD reports. The DPD in your CIBIL report remains valid for a period of 3 years. Hence, if you default an EMI even for a month, it will appear on your CIBIL credit report for the next 36 months. It is therefore advised that you pay your EMI dues on time without delay.

Format of DPD in CIBIL

It is important that you are conscious about what is DPD and what the format of DPD in CIBIL report is. The DPD value is displayed as follows in the CIBIL report:

DPD Value











  • 000

    signifies that the borrower has paid all his EMIs for the month of January 2019. It means that the applicant does not have outstanding dues for that month. If you have this on your report, it is the safest score you could have! If you have this score every month on your report, it means that you have never delayed your EMIs and you are extremely good with your finances. Lenders can sanction loans easily to you even if you have a lower credit score but DPD value of 000.

  • XXX

    when your lender does not provide a report to CIBIL TransUnion, this value is shown in your report. The applicant is considered safe in this case and it does not have any impact on the candidate’s profile. In the example given above, it is to be understood that the bank/financial institution has not provided any details to CIBIL for the month of February 2019.

  • 30, 60, 90

    this value of DPD in CIBIL signifies the defaulted EMI payment till the mentioned day. Any number, be it 30 or 60, has a negative impact on the credit report, and consequently on the creditworthiness of the applicant. In the above example, 30 means that the applicant has missed his EMI payment for the month of March 2019. Similarly, the value 60 asserts that the EMI for the month of March, as well as April 2019, is defaulted. Finance experts advise on not missing EMIs for more than 3 months.

Other Reported DPD Values

These DPD values can be written in various forms by some lenders, according to asset classification norms shared by RBI. The values in DPD in such conditions are:

  • STD

This means ‘Standard’ payment, which signifies that payment of the EMI has been done within 90 days.

  • NPA 

When EMI payments are not made within 90 days, they are considered as ‘non-performing assets’.

  • SUB 

This denotes ‘sub-standard’ payments which are not made up to 12 months. Such applicants are considered risky investments.

  • DBT 

When an applicant does not make payment for more than 12 months, CIBIL tags them as DBT.

  • LSS 

Banks who have lost all hopes of repayment from the applicant label LSS on the applicant’s CIBIL report. Such applicants are the least likely to get any loans approved by banks.

Now that you have acquainted yourself with what is DPD, all you need to do is maintain a healthy credit profile and avoid defaulting on any of your EMIs. Thankfully, banks do consider the applicants who have missed their EMIs for a month or two.

It is important that you keep your credit score in check regularly. If you wish to monitor your CIBIL score for free, you do so with ease on Finserv MARKETS and check your financial health in 3 simple steps on the Financial Health Check Report. What’s more? You can get a customized report with an analysis of your financial health to help you make wise decisions to maintain your financial well-being.

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Ever considered quantifying your financial health in specific parameters? With the Financial Health Check Report (FHCR) on Finserv MARKETS.


  • ✔️What is the amount overdue in the CIBIL report?

    When payments against the outstanding loan / credit card amount have not been made for more than 180 days, the lender “writes off” the amount and reports this on your CIR. Any such status may affect your credit eligibility adversely.

  • ✔️What is past due days?

    Past due is a status referring to payments that have not been made by the cutoff time on the due date. Any type of contractual payment agreement can have provisions for missed payments. Credit is one area where past due penalties are prominent and damaging.

  • ✔️How do I clear an overdue with CIBIL?

    Once you have paid off the settlement amount, obtain a NOC from the lender, stating that you no longer owe anything to them. Request the lender to post the same NOC report to CIBIL, asking them to update your CIBIL status. This should remove overdue status in your CIBIL report in some time.

  • ✔️What is the date reported and certified in the CIBIL report?

    The date on which CIBIL was reported about that account.

  • ✔️Is 600 a good CIBIL score?

    The minimum CIBIL score for a Personal Loan is usually considered to be between 720 and 750. Having this score means you are creditworthy and lenders will approve your Personal Loan application quickly. A credit score below 600 is considered inadequate for Personal Loans in most cases.

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