How is DPD different from a credit score?

The credit score is a 3-digit numerical representation of an individual’s credit history, which impacts loan eligibility and interest rates. It takes into account many factors like payment history to determine creditworthiness. Days Past Due or DPD is the number of days an individual has defaulted on their payment for a credit card or a loan. Thus, DPD can bring down your credit score.

Where is the DPD value listed in the CIBIL report?

Your DPD number comes under the Credit Account Information Details in the ‘Payment History’ section of each credit product in the CIBIL report.

Which DPD value is counted as negative in your CIBIL report?

The values 000 and XXX are considered to be safe, any value other than this can be viewed as negative in your CIBIL report.

What is the impact of a high DPD on my loan eligibility?

If you have any missed payments, the DPD will remain on your report for the next 3 years. This can lower your credit score and negatively impact your ability to borrow funds at favourable interest rates. This is because a high DPD can be considered a poor discipline in repayment behaviour.

How to Report DPD Errors in Your CIBIL Report?

After careful examination of your CIBIL report, if you identify any errors you should: Collect all pertinent documentation to support your claim. Fill out the dispute resolution form on the CIBIL website. Follow up with CIBIL to ensure your dispute is being processed.

How to Improve Your DPD?

Prompt bill payments including credit card dues/loans and responsible handling of your debts can gradually increase your credit score. This will lower the impact of a DPD, especially if you continue practicing good credit behaviour.

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

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Days Past Due (DPD) in CIBIL Reports: Understanding Its Meaning and Calculation

Borrowers are required to honour monthly EMI payments on time to ensure that it does not leave a blot on their credit report. A healthy credit report goes a long way in your loan being approved at competitive rates of interest. Your credit report contains different aspects that include your credit score, credit report, DPD etc. Your DPD is one of the determining factors in whether your loan will be approved or rejected. You can log into the TransUnion website and avail a copy of your credit report and check your CIBIL score.

This leads us to the next question,

What is Days Past Due (DPD)?

Days Past Due or DPD is one of the important components of your credit report indicating your financial history. It indicates whether you have been consistent in your repayments and if you have missed any, how many instalments you have missed and by how many days. It also reflects your credit card repayment history. The applicant receives a separate DPD that is generated in their name against each borrowing from the market. If the lender happens to default on repaying even a single instalment, the DPD will remain on your report for the following three years.

How Can a Credit Report help in Checking one's DPD Value?

A section of the credit report is dedicated to displaying the DPD Value. This is how a credit report is displayed:

DPD Value	000	XXX	30	60
Month	1-20	2-20	3-20	4-20

000: A score of 000 reflects that all your dues have been honoured for January 2020 and that you do not owe the lender any payments for the month. Honouring your debts on time helps in maintaining a favourable financial position and helps in instilling confidence in lenders that they are capable of repaying loans on time.
XXX: This value states that the report is not yet submitted by the lender to CIBIL and is considered to be a safe value.
30: Any number like 30, 60 refer to the number of days that the loan has been defaulted for. This number can harm your credit score and consequently impact your ability to borrow funds at reasonable rates of interest.

Select lenders report these DPD values according to norms set by the RBI. Let us understand more about these values:

STD: STD is known as a Standard Payment and simply means that the payment has been made within 90 days.
NPA: EMIs not honoured within 90 days of it being due for payment are referred to as Non-Performing Assets.
SUB: Payments not honoured by the applicant on time for up to 12 months are referred to as sub-standard payments. In these situations, it is assumed that the applicant is likely to repay the amount borrowed. However, based on their track record, companies will consider lending funds to them a risky proposition and hence they might experience difficulty in availing credit.
LSS: This term means that banks have lost hopes of repayment from the client.
DBT: This means that the borrower has not been repaying the EMIs for more than 12 months, however, there is a strong possibility that the applicant will repay the funds borrowed.

It is also important to monitor your credit report regularly, especially when you are trying to build up your eligibility to apply for a personal loan. Moreover, it is important to repay EMIs on time and maintain a healthy credit score to good financial health in the long run.

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* Please note that this article is for your knowledge only. Loans are disbursed at the sole discretion of SMFG India Credit. Final approval, loan terms, disbursal process, foreclosure charges and foreclosure process will be subject to SMFG India Credit's policy at the time of loan application. If you wish to know more about our products and services, please contact us

FAQs

What is considered as 30 Days Past Due?

Days Past Due or DPD indicates how consistent your repayments have been, how many repayments have been missed, and by how many days. 30 DPD indicates that a loan payment has been defaulted for 30 days.

Can we remove DPD from CIBIL?

DPD cannot be changed or eliminated as it is a crucial part of the credit report. However, if you believe that the DPD is an error, you can raise a dispute with CIBIL. If this is not the case, maintaining a consistent record of timely payments in the future will gradually show improvement in this section.

How many Days Past Due are there in CIBIL report?

The number of Days Past Due refers to the number of days a loan payment has been defaulted. The payment should be made within 90 days for it to be classified as a Standard Payment. If the DPD exceeds 90 days then it will be referred to as a Non-Performing Asset.