Day Past Due (DPD) in CIBIL Report - DPD Full Form & Meaning

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What is Days Past Due (DPD)?

DPD stands for Days Past Due and is one of the most crucial components in your credit report, which indicates your creditworthiness. It is crucial for loan approvals as it indicates the missed payments on your EMIs/credit card bills. Each loan creates a separate DPD table, on your credit report. In case of repayment default, the DPD stays on the report for three years.

Format of DPD in CIBIL

A separate DPD table exists for each loan/credit card in your credit report. The table displays your monthly repayment history, with values indicating any delay in EMI/credit card bill payment. Refer to the sample DPD table provided below for an overview of the format in your credit report.

DPD Value	000	XXX	30	60
Month	01-22	02-22	03-22	04-22

Important DPD Values and Their Significance

It is important to know what the values provided in the DPD table indicate and understand how they impact your creditworthiness.

DPD Value	Meaning	Significance
000	On-time payments with no outstanding dues	Safest value; indicates timely EMI payments and financial responsibility. Lenders may approve loans despite a lower CIBIL score if DPD remains 000 consistently.
XXX	No data provided by lender to CIBIL	No impact on the applicant’s profile and they are considered safe. In the above sample, it means that no details were provided for February 2022.
30, 60, 90	Number of days passed after the payment due date.	Any value (30 or 60) negatively impacts the credit report and overall creditworthiness. In the sample, 30 denotes a missed EMI in March 2022, while 60 indicates default for both March and April.

Finance experts advise that you must not miss your EMI/credit card bill payments for more than 90 days (three months).

Other DPD Values

Apart from the aforementioned values, you may also find other DPD values on your credit report:

DPD Value	Meaning
STD	Standard Payment: Payment made within 90 days of the due date.
SUB	Sub-Standard Payment: Payment made more than 90 days after the due date.
DBT	Doubtful: Payment remained sub-standard for over 12 months.
LSS	Loss: Indicates a high likelihood that the borrower won't repay the loan amount.

Why is DPD Significant?

DPD is crucial as it reveals the frequency and duration of delayed payments for your loan EMIs or credit card bills. Timely repayments are a key factor in determining creditworthiness. This makes DPD a vital criterion for loan/credit card eligibility. In certain cases, a clean DPD can lead to loan/credit approval even with a less-than-ideal credit score.

How to Report DPD Errors in Your CIBIL Report?

Identify the errors in your DPD on your CIBIL report
Promptly raise a dispute and report the same to the credit bureau
The credit bureau will the label your credit report as “Under Dispute” and forward the disputed information to the relevant lender for verification
Once verified, your DPD will be accordingly updated, and remove the “Under Dispute” tag from your credit report

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What is the full form of DPD in CIBIL report?

The full form of DPD is Days Past Due.

Which DPD value is counted as negative?

Any DPD value other than “000” and “XXX” has a negative impact on your credit report.

When is DPD updated in your credit report?

Whenever your lender communicates the data with respect to your loan EMI/credit card bill payment to CIBIL, your DPD for that loan/credit card account is updated accordingly.

How do I check DPD in the CIBIL report?

You can find the DPD in the 'Payment History' section of your CIBIL report.

What companies include a DPD in their credit report?

All major credit bureaus, including TransUnion CIBIL, Experian, Equifax, and CRIF High Mark, report a DPD value. This value is derived from the consumer credit information that banks submit to the bureaus each month

What can a borrower do to prevent a negative DPD value?

To maintain a positive credit history, you must make timely payments on all credit obligations, including loan EMIs, credit card dues, and any other amounts which are borrowed. This will help prevent negative marks in the DPD section of your CIBIL report.