हिंदी में पढ़े
Days Past Due (DPD) indicates the number of days by which a borrower has missed an EMI or credit card payment. DPD, in the Payment History section of your credit report is one of the determining factors for lenders while approving or rejecting your loan or credit card application.
If you have made timely payments in the past, your DPD (Payment made within 90 days) will be mentioned as ‘000’. In case you have missed your payment by 40 days, your report will show “40” against the previous month. There may be instances where “XXX” is mentioned in the DPD section. It means that the lender has not provided the payment history details to the bureau. You should not worry, if you find it in your credit report, as it has no negative impact on your credit score or your chances of loan or card approval in the future.
Get your Credit Report and Verify your DPD Data Check Now
Below states are the abbreviated asset classifications under DPD:
DPD Asset Classification for availed loan or credit card
Common Abbreviations:
- Standard (STD): STD means that the payments are being made within 90 days
- Special Mention Account (SMA): SMA is a special account created for reporting Standard Accounts moving toward Sub-Standard
- Sub-Standard (SUB): SUB means that the payments are being made after 90 days
- Doubtful (DBT): This means that the account has remained Sub-Standard for 12 months or above
- Loss (LSS): LSS is an account where loss has been identified and remains uncollectible
Significance of DPD in your CIBIL Report
DPD shows how disciplined you have been in making EMI payments in the past. It contains your payment timeline for the past 36 months. While assessing your credit application, the lender checks whether you have missed any payments in the past. If your DPD is ‘000’ for all 36 months, it shows that you have prudently paid off all credit dues on time and pose less risk to the lender.
Occasionally missing the deadline also has a negative impact on your credit score and creditworthiness but some lenders might still approve your credit application. However, frequent misses and non-payment of dues for long pose a high risk for lenders and they may refrain from approving your loans or credit card applications.
