What is Days Past Due (DPD) in CIBIL Report?

Days Past Due

You must have heard the term CIBIL while applying for a credit card or a loan. CIBIL – stands for Credit Information Bureau (India) Limited. It is an information database company that maintains the financial information of individuals as well as companies. To see the credit score, you can find your CIBIL report online. You can get this report through the CIBIL report download online.

What do you Mean by DPD in the CIBIL Report?

When applying for a loan or new credit card, the banks check for your creditworthiness. Because they need you to pay back your loans, otherwise they might end up with a loss.

Now, how do they verify your creditworthiness? By looking at your financial history of previous loans/credit taken and how have your payments been made? Have you made your repayments on time? Did you pay your loans on the expected closure period? These are the things that will play a vital role.

There is a section that comes under account information in the report, which shows as DPD on your CIBIL report online. This section shows the number of days that you have missed to pay your EMI.

The DPD value shows the number of days by which you have missed paying the instalment. The value shown in the report will be valid for 36 months. Therefore even if you miss your payment for a month, it can stay for a longer period.

  • The format of the DPD will consist of DPD value and month/year.
  • The value under DPD signifies the number of days delayed. So any value other than 0 will denote that you have delayed making the payment.
  • The value under month/year represents the specific month, and year the payment was delayed.
  • Well, this section is good enough to show your credibility in repaying loans or EMI’s. Make sure you always have a value of 0 here.

Which are the Tags Seen in Your CIBIL Report Online to Represent Various Levels of DPD’s?

STD – Standard payment has been made within 90 days.

NPA – Non-performing assets – Payments that are past due 90 days.

SUB – Payments not made up to 12 months are substandard.

DBT – Payments not made for more than 12  months. Doubtful.

LSS  – If there is no hope of repayment from an individual, they are tagged as LSS.

The DBT and LSS are considered risky applicants by the banks. They are the samples of applicants who apply for a loan for a low CIBIL score.

As they are considered risky by the investors, their chances of getting loans approved are very less.

Are the Values Under DPD Changeable?

The value under DPD cannot be changed, and it remains there for 36 months on your CIBIL report online. Defaulting for 1 month leaves the value to remain there for 36 months. To get it clear, one has to make the next 36 payments without defaulting.

Some of the exceptions of DPD values.

  • Most banks do not report DPD value to CIBIL if the payment delay is less than 30 days. However, if they see a trend in delay frequently, you might be flagged red.
  • If your report has a DPD value of XXX, it means that your bank has not provided any report to the CIBIL for that particular month. This will come in favour of the individual and does not impact your score.
  • To have a healthy financial record, it is best advisable that you do a frequent free credit score online using the My Cibil Score options provided by most banks/financial institutions.
  • These are one-click checks, where you will be asked to provide basic information and your pan number, which they use to track down your records.
  • Based on the scores retrieved, you can assess how good you are in doing your repays and how healthy your financial status is?
  • You can download the report by clicking on the ‘CIBIL report download’ option in the official website.
  • The answer is no. The report is detailed information on your debts and repayment history. It includes information on past and present debts, payments made, and outstanding dues.
  • A credit score is something based on this report. It is a 3 digit value calculated based on the information from the report to analyze if you can repay your credits upon approval. Refer to the section above to know the range of the credit scores.

What is a CIBIL Report, and What does it Contain?

It is a report that contains detailed information of the loans – personal, car, home, educational, vehicle loan, credit cards, overdraft that an individual or the company has taken. It also shows the repayment history of all your credits.

Based on this report, you will be given a credit score. Which is a 3 digit value ranging from 300- 900.  300 being the least CIBIL score and 900 being the highest. The higher your CIBIL score is, the higher your creditworthiness. You can instantly check your credit score online on most financial websites like Bajaj CIBIL score check, policy bazaar online check, or even on your banking websites.

You can get your free CIBIL report online once a year by visiting the CIBIL website. It will provide you with the dashboard of credit score and report.

How do They Get the Data?

The registered banks or financial institutions will submit the credit-related information of their customers to this agency. From this information, they provide you with credit scores and credit reports.

All this information is collected and organized with the help of your PAN number or Aadhar number if you are a resident of India. NRI information is maintained with their primary identification number.

  • The credit reports generally have different sections like personal information, Account information, Credit inquiries, and Credit score. One must understand and be familiar with the terms used in this report.
  • The personal and account information sections provide you with the basic details of name, contact number, address, PAN number, credit card number, loan account number, etc.
  • The credit inquiries section shows the inquiries made by the financial institutions to get your credit score. This section is very important. The history of more inquiries may result in less chance for future loan approvals.
  • Lastly, your credit score, which is the most crucial aspect in getting your loans approved. Always make sure to repay your credit on time and avoid defaulting.

How can Credit Inquiries Affect Your Score?

Having a delayed payment history may not be the sole reason for having less credit score. If there are many inquiries made on your credit status, that might harm your credit score as well. Therefore do not over-apply for credit cards or loans with multiple banks. Wait till you get a response from one that you applied to first.

Know your credit score ranges as per CIBIL.

  • N/A – It means you do not have availed of any loan/credit.
  • 300-550 – Poor – The repayment history is poor if you have this score.
  • 551-700 –   Average – There is still a scope of improvement in making your repayments.
  • 701-750 – Good – You have a good financial health history.
  • 751-900 – Excellent – You are the potential resource to lend who is considered a no-risk borrower.

These are the standard range of scores set by the CIBIL.

Does Having a No Credit History Means a Good Credit Score?

The answer is No. If the banks do not know your  CIBIL report online , how would they offer you credit? How will they derive if you can repay your loan or not? The credit scores are generated only after you start using the credits.

How to Improve Your Credit Score?

Now that you have learned more about the credit reports, scores, and score ranges, let us know how to improve your credit score?

  • In the first place, you need to get your credit report. Review it to know which aspect is affecting your score. Do check for any errors or wrong updates on the report.
  • Raise a query with the CIBIL and get it changed by providing the required proofs. This can help to improve your score.
  • Make sure to keep track of the due dates to make your repayments so that you do not miss the date. Remember paying on time plays an important role in getting a good score.
  • Focus on having less credit utilization. Pay your bills fully every month so that you maintain a good credit balance, which will improve your score. You can start by increasing your credit limit and using it minimally to show less credit utilization.
  • Do not apply for many credit cards or loans at the same time with different lenders.
  • Try to consolidate your debts if you have too many loans to repay. This will allow you to make one payment collectively on time, which can increase your score,
  • Always check on your debts using the free CIBIL check online services, which will give you an idea of where you stand. This can help you to plan and repay your loans quickly.

How is the CIBIL Score Calculated?

All of the points mentioned above are considered in calculating a CIBIL score. However, the 4 key aspects are,

  • Payment history
  • Credit utilization
  • Secured and unsecured credits
  • Credit inquiries
  • Yes, there is a possibility that you can get a loan without CIBIL. You can avail of a personal loan without CIBIL verification.   You have to apply for the loan with a co-applicant, who should be your immediate family member with a steady income. In that case, the chances of getting approved for a personal loan are on the higher side, even if your credit score is low or nil.
  • The other option is collateral-based loans, where you will oblige to pledge your shares, assets, FDs. In this case, you do not show your CIBIL report download.

How Can You Get Your CIBIL Check Done Online?

There are several financial websites that offer you an option to avail the CIBIL check online feature. Like Bajaj CIBIL score check, policy bazaar credit score, etc. All you need to do is,

  • Enter your name, DOB, PAN details in their portal.
  • Email id, Mobile number, and the type of account that you hold. Click on the check now button.
  • They will provide you with your basic credit score and report in the form of a dashboard.

This article helps you to understand the basics of CIBIL report and credit score and the various terms used in its report. In a nutshell, how the value of DPD in the credit report plays a vital role in getting a better credit score is best understood under this section. What is the format of CIBIL DPD, and how should you read the DPD report. You can get to know about some of the additional topics, such as steps involved in improving your credit score. How does the CIBIL score get calculated? I hope the above information helps you understand the need for CIBIL check online and credit scores to have a healthy financial history.


What does DPD stand for?

DPD denotes Days Past Due. The number of days an individual has missed in making payment/EMI’s.

What is a good DPD value?

A value of 000 is the only good DPD value. Any value other than 000, like 30, 60, 90, 120, is considered bad values that impact your credit score.

Why do I see more than 1 DPD report in my credit check report?

It may be because you might have taken more than 1 loan. The DPD report is generated separately for each loan. So if you have taken 2 different loans, such as a car loan and home loan, you will have 2 DPD reports separately.

Which DPD values are considered as low/bad?

The DBT and LSS are considered as the bad values, whose application for borrowing can be rejected.

Can you get a loan without CIBIL check?

Yes, personal loans are offered without a CIBIL check if you pledge shares or assets against your loans.

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