Fullerton India Credit Co. Ltd. is Now SMFG India Credit Co. Ltd.

What is STD, LSS & DPD in CIBIL and Their Differences

Published on Dec 27, 2023Updated on Dec 28, 2023

What is STD, LSS & DPD in CIBIL and Their Differences

A CIBIL score reflects an individual's creditworthiness based on their credit history. This three-digit score signifies financial reliability and can impact one's borrowing capacity.

A high CIBIL score, usually 750 or above, demonstrates responsible credit behaviour, which in turn increases the chances of loan approvals at favourable interest rates.

It directly correlates with the information in a credit report, summarizing an individual's repayment patterns, credit utilization, and overall financial responsibility. The CIBIL score serves as a quick reference point for lenders to assess the risk of extending credit, emphasizing its significance in financial transactions and loan approvals.

Overview of Credit Information Bureau

Credit Information Bureaus, such as CIBIL, Equifax, Experian, and TransUnion, play a crucial role in gathering and managing credit-related information for both individuals and businesses. By collaborating with financial institutions, lenders, and utility companies, these bureaus compile extensive credit reports and scores for individuals, inclusive of important data such as credit accounts, repayment patterns, outstanding debts, and credit inquiries.

The credit reports produced by these bureaus provide a thorough overview of a person's or organization's credit standing, allowing lenders to carefully evaluate the level of risk involved in offering credit or loans. Utilizing this information, credit scores are calculated to gauge the probability of repayment, ultimately impacting the approval and conditions of loans or credit cards. These bureaus play a critical role in facilitating equitable lending practices, empowering individuals to comprehend their financial status, and encouraging responsible borrowing and lending within the financial landscape.

Importance of Credit Reports

Understanding the significance of your credit report: Your creditworthiness is summed up in a credit score, which reflects your financial trustworthiness. This score is influenced by various factors, such as past defaults, late payments, or significant debt. Prompt bill payments and responsible handling of debts can boost your score.

  • Having a favorable credit report can significantly impact your financial well-being in a few key ways. Firstly, it can increase your chances of being approved for loans and credit cards by showcasing your lower risk to lenders.
  • Additionally, a high credit score, typically 750 or above, can result in lower interest rates, pre-approved loan offers, higher credit limits, and better credit terms.
  • For example, it can greatly assist in securing rental properties and showcasing to landlords that you are a responsible individual. This boosts your chances of getting approved for a rental.
  • Keeping a close eye on your credit report can also help in detecting any instances of credit fraud. By monitoring regularly, you can quickly identify any unauthorized account activities and take swift action. This not only protects your financial identity, but also ensures your overall well-being.

Key Metrics in Credit Reports

STD in Cibil (Meaning, Definitions & Full Form)

Seeing "STD" next to your name is actually a good thing. STD in CIBIL stands for "Standard," which indicates that you have been making timely payments without any delays. Essentially, it shows that you have a positive credit history and have been responsible with your repayments - a very favorable sign for lenders.

LSS in Cibil (Meaning, Definitions & Full Form)

However, there is another abbreviation that may appear on your credit report - "LSS." This stands for "Lender Settled Status," and unfortunately, it does not have the same positive connotation as STD. LSS, meaning in CIBIL, indicates that you have settled a debt with a lender for a reduced amount after negotiating. While this may have helped you manage your debts, it is viewed negatively and could potentially harm your credit score.

DPD in Cibil (Meaning, Definitions & Full Form)

DPD in CIBIL, or 'Days Past Due,' is a crucial metric in the world of credit, representing the number of days that a borrower's payment remains outstanding. This metric is further classified into distinct categories, such as DPD 30, DPD 60, DPD 90, and beyond, based on the extent of the payment delay. As a result, a borrower's credit report provides a comprehensive overview of their payment delinquency and potential risks associated with their payment behavior.

Differences Between STD, LSS, and DPD

The differences between STD, LSS, and DPD are tabulated as below:





Indicates regular and timely payments.

Indicates healthy credit management.


Reflects settlement or severe delinquency stages.

Suggests a payment settlement or severe delinquency issues.


Signifies payment delays.

Points to delayed or missed payments.

How to Check STD, LSS, and DPD in CIBIL Report

You can access your CIBIL report using the following strategies:

  • Offline: You can submit an application form to CIBIL to request a physical copy of the report.
  • Online:
    • Visit the CIBIL website (https://www.cibil.com/) or use their mobile app.

    • Sign in or create an account.

    • Pay the required fee to access your report.

  • Locate the relevant sections: Next, look for the following terms in your CIBIL report:
    • STD (Settlement Through Debt Recovery Program): This is usually found in the "Account Information" section under each credit account. Look for remarks indicating "STD" or "settled through debt recovery."
    • LSS (Lender Settled Status): This isn’t directly mentioned in CIBIL reports, as it's a methodology used by lenders. You can inquire about LSS practices with your lenders to understand better.
    • DPD (Days Past Due): Found in the "Payment History" section of each credit account. This displays the number of days a payment is overdue (e.g., DPD 30 = 30 days late).
  • Interpret the information:
    • STD: Any instances of STD negatively impact your credit score.
    • LSS: Understanding LSS in financial institutions can indirectly indicate their efficiency and stability.
    • DPD: Higher DPD numbers signify more severe payment delinquencies, negatively affecting your score.

Importance of Monitoring STD, LSS, and DPD

It's important to keep an eye on your credit report's metrics, such as STD, LSS, and DPD, as they reveal a lot about your financial health.

  • STD indicates that you make timely payments, which is a positive sign of responsible credit behaviour.
  • LSS reflects settlements or severe delinquencies, which can negatively affect your creditworthiness.
  • DPD shows payment delays, which can impact your credit scores.

By regularly monitoring these metrics, you can proactively manage your credit health. This way, you can quickly identify discrepancies or errors in these indicators and take corrective measures before they significantly impact your credit standing. Being aware of your credit report's status allows you to make informed financial decisions. It also boosts your eligibility for personal loans or credit cards with favourable terms. This emphasizes the importance of consistent monitoring to safeguard your financial well-being.


Metrics like STD, LSS, and DPD in CIBIL are essential for understanding your credit report. These metrics can significantly impact credit scores and influence loan approvals. Adopting healthy credit practices to maintain a good CIBIL score can help you secure favourable home, business, or personal loan terms with financial institutions like SMFG India Credit. Taking proactive steps to manage your credit can make all the difference.

* 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


Is STD in CIBIL good or bad?

STS, or ‘Standard’ code in a CIBIL report, is a positive indicator of timely repayments by a potential customer/borrower. Lenders will interpret this as proof of healthy credit behaviour.

What is the highest CIBIL report?

A CIBIL score of 900 is considered the highest and indicates an excellent credit history. An individual with this score can avail of advantageous loan terms with potentially lower interest rates.

How many marks are there in LSS?

The LSS typically doesn’t have a marking system per se. However, the LSS is a negative note in the CIBIL report, indicating the borrower has settled a credit account with the lender for a lower amount. LSS can be detrimental to creditworthiness and may damage future loan applications.

What does it mean if my account is marked as STD 2

'STD' stands for 'Standard' in CIBIL form. This is a term that appears in credit card and loan accounts. STD indicates that you paid your past-due bills on time or within 90 days of the due date.

How does LSS affect my credit card usage?

The LSS affects credit card use by marking a settlement between you and the lender for reduced payments, impacting credit scores negatively. LSS affects credit card usage by impacting creditworthiness and potential limit reductions.

Can I remove a DPD record from my credit report?

Apart from XXX or 000, the best way to remove a DPD record from your credit report is by making timely payments. Additionally, you can use strategies such as:

  • Contact the Lender or Credit Issuer.
  • Rectify by reporting errors.

How often are these metrics updated in my CIBIL report?

CIBIL scores are usually updated under the following circumstances:

  • After a repayment is received.
  • When a complaint is raised.

How long does it take for improved behaviour to reflect in these metrics?

Credit scores take 4-12 months to reflect positive changes in credit behavior.

Read More Read Less

Was this helpful?

Yesyes vote
Nono vote
Sorry about that
How can we improve it: