{"id":5124,"date":"2026-08-18T09:56:49","date_gmt":"2026-08-18T09:56:49","guid":{"rendered":"https:\/\/jumpp.finance\/blog\/?p=5124"},"modified":"2026-08-18T09:56:50","modified_gmt":"2026-08-18T09:56:50","slug":"dpd-in-cibil","status":"publish","type":"post","link":"https:\/\/jumpp.finance\/blog\/financial-management\/personal-finance\/dpd-in-cibil\/","title":{"rendered":"DPD in CIBIL: Meaning, Codes, Calculation, Impact & How to Improve It"},"content":{"rendered":"
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A payment can be late for all sorts of reasons. You may miss an EMI because you forgot the due date, or a credit card bill may slip your mind during a busy month. The problem is that a delayed payment can affect how lenders view your repayment behaviour.<\/p>\n\n\n\n

This is where DPD in CIBIL becomes important. <\/p>\n\n\n\n

In this blog, understand DPD calculation in CIBIL, its codes and how it can affect your credit profile.<\/p>\n\n\n\n

<\/span>What is DPD in CIBIL?<\/span><\/h2>\n\n\n\n

DPD Full Form: Days Past Due<\/strong>. It indicates the number of days by which a payment on a loan or credit card account was delayed beyond its due date.<\/p>\n\n\n\n

DPD in a credit report shows your month-wise payment behaviour for a particular credit account. It helps lenders understand whether you have been making your loan EMIs or credit card payments on time.<\/p>\n\n\n\n

<\/span>DPD Codes in CIBIL Report<\/span><\/h2>\n\n\n\n

DPD codes in a CIBIL Report can include both numerical values and account-status codes. <\/p>\n\n\n\n

Their interpretation depends on the information reported by the lender.<\/p>\n\n\n\n

DPD Code<\/strong><\/td>Meaning<\/strong><\/td><\/tr>
000<\/td>Payment made as per the due date<\/td><\/tr>
001\u2013089<\/td>Payment reported as late by the corresponding number of days<\/td><\/tr>
090<\/td>Payment reported as 90 days late<\/td><\/tr>
STD<\/td>Standard account<\/td><\/tr>
SMA<\/td>Special Mention Account<\/td><\/tr>
SUB<\/td>Sub-Standard account<\/td><\/tr>
DBT<\/td>Doubtful account<\/td><\/tr>
LSS<\/td>Loss account<\/td><\/tr>
XXX<\/td>Information was not reported for that month<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

<\/p>\n\n\n\n

Here in:<\/strong><\/p>\n\n\n\n

STD: <\/strong>Regular repayment status.<\/p>\n\n\n\n

SMA: <\/strong>Early signs of repayment stress.<\/p>\n\n\n\n

SUB: <\/strong>Payments overdue for more than 90 days.<\/p>\n\n\n\n

DBT: <\/strong>Sub-Standard status continuing for 12 months.<\/p>\n\n\n\n

LSS: <\/strong>Amount identified as a loss and remains uncollectible.<\/p>\n\n\n\n

<\/span>DPD Calculation in CIBIL<\/span><\/h2>\n\n\n\n

DPD is calculated by comparing the scheduled payment due date with the date on which the payment is considered made or cleared for reporting purposes.<\/p>\n\n\n\n

For a simple example:<\/p>\n\n\n\n