Archive · 17 Jun 2025
What is DPD in a Credit Report and Why Does It Matter?
DPD, or Days Past Due, shows how late you are on payments for loans and credit cards.
A DPD of 0 means you paid on time, which is good!
STD means you're a little late (less than 90 days), but SUB means you're very late (over 90 days).
Being late hurts your credit score, making it harder to get loans or credit cards.
Paying on time helps your credit score, making it easier to get approved for new credit.
DPD in a credit report reflects the number of days a repayment is delayed.
A DPD status of 0 means the repayment was made on time.
STD (Standard) means a delay of under 90 days.
SUB (Sub-standard) indicates a delay exceeding 90 days and can classify an account as a non-performing asset.
Timely payments are essential for a good credit score and loan approvals.
- Who
- Banks report repayment status to Credit Information Companies (CICs) like CIBIL, which updates the credit report for borrowers.
- What
- DPD (Days Past Due) status reflects the delay in repayment of loans or credit card bills.
- When
- DPD status is calculated based on the difference between the current date and the payment due date.
- Where
- DPD status is reflected in your credit report.
- Why
- DPD status impacts credit scores, influencing the approval of future credit applications.
Positive impact of timely payments
Negative impact of delayed payments
Credit Score
Positive impact of timely payments
On-time payments increase the credit score.
Negative impact of delayed payments
Late payments have negative impacts on your credit score.
- DPD 0
- Repayment made on time
- DPD XXX
- Repayment status not reported
- DPD STD
- Delay under 90 days
- DPD SUB
- Delay over 90 days
- DPD DBT
- Sub-standard for 12 months
- DPD LSS
- Loss identified and uncollectible