When you apply for a loan or a credit card with a bank or financial institution, the institution would do a credit check to determine your creditworthiness. A good credit score can help you get a loan with low-interest rates. Your credit report contains many elements such as your credit score, credit report, and DPD, among others. Your DPD is one of the elements that will determine whether your loan is accepted or rejected.

You can obtain a copy of your credit report and your CIBIL score by visiting the TransUnion website. By going to the CIBIL TransUnion website, an applicant can get a copy of his/her credit report and know his CIBIL score. Although there are many sections that need to monitor on the credit report, there is a section called CIBIL DPD (Days Past Due) which plays a very important role when it comes to loan approval by banks or financial institutions.


DPD stands for Days Past Due. It indicates how many months of EMI the applicant has not paid in a given month. The applicant will receive a separate DPD for each credit he has obtained from the market. Personal loans, home loans, education loans, and other types of loans are examples. A DPD is generated for each loan and sent to CIBIL by the institution that grants the loan to the applicant. In reality, there is a separate DPD for each loan that a consumer has taken out. With the help of an example, this can be better understood.

Assume you’ve taken out a personal loan, a home loan, and a car loan from three different financial institutions. You’ve been making on-time monthly payments on your personal and house loans. However, you are nearly two months late on your auto loan payments. As a result, your CIBIL report will begin to reflect a 60-day DPD. It wouldn’t matter if you paid off the EMIs for two loans without any concerns. Every default that lasts more than a month would be recorded right away on your CIBIL report.

To Get A Better Understanding of DPD, Let’s Look At The Format of DPD Value

Every CIBIL report has a section that is especially dedicated to show the applicant’s DPD record. CIBIL DPD report is displayed in the following format:

DPD Value000XXX3060

000 – The value 000 denotes that the applicant has paid off all of his outstanding debts for the month of April 2017. It signifies that all dues were paid on that date, and no credit was owed for the month. This is the most secure and beneficial condition. If the DPD value for each month is 000, it shows the applicant is very responsible with his money, and lenders are willing to lend to them because they are the least risky loan candidates. Lenders easily sanction loans to applicants who have a low credit score but a good DPD report.

XXX – When the lender does not provide the information to CIBIL TransUnion, this amount is displayed in the CIBIL report. The applicant will have no impact by this figure, and he is regarded safe in this context. In this context, the XXX value indicates that the bank has not submitted May 2017 data to CIBIL.

30, 60, or 90 – The applicant has defaulted at the time of EMI payment and has not paid the EMI amount until the date specified in the DPD report. Any number, whether it’s 30 or 90, will have a negative influence on your credit report and, eventually impacts your credit score. This indicates that the applicant has a poor credit score.

If the applicant fails to pay for the first month, he will receive a 30 on his DPD report, as seen in the report for June 2017. If he misses two EMI payments in a sequence, 60 will appear on his DPD report, just like it appeared in July 2017. Most financial experts advise that even if a person is unable to make timely payments, they must ensure that they do not fall behind on their payments for more than 90 days.


According to asset classification guidelines given by RBI, there are many types of DPD values that can be written in various forms by some lenders. In such cases, the DPD values are:

STD – This stands for ‘Standard’ payment, which means the EMI was fully paid within 90 days.

NPA – This stands for Non-Performing Assets. When EMI payments that are not made within 90 days of the due date, then they are considered as ‘non-performing assets’.

SUB – This refers to ‘sub-standard’ payments that are not made within a 12-month period. Such candidates are regarded as high-risk investments.

DBT – CIBIL labels an applicant as DBT if they haven’t made a payment in over a year.

LSS – Banks mark LSS on the applicant’s CIBIL report after they have lost all hopes of repayment from the applicant. Banks are less inclined to approve such candidates for any type of loan.

Bottom Line

A good credit report is the cornerstone of smart financial management. It not only assists you in obtaining low-cost loans, but also ensures that your financial profile is efficient and brief. If you want to check your credit report and the DPD that comes with it, you can do that for a nominal fee on the Transunion CIBIL website. After all, it’s your creditworthiness that propels your portfolio toward financial efficiency and monetary success.

Leave a Reply

Your email address will not be published.

Our firm provides the expert support organisations need to thrive in a fast-changing world.

Address: Sabari Complex, Field Marshal Cariappa Rd, Shanthala Nagar, Ashok Nagar, Bengaluru, Karnataka 560025.
Phone: 080 6824 8827
Mail: info@kenstonecapital.in