Can I get a loan with LSS status in my CIBIL report?

Getting a loan with LSS status is difficult because lenders treat it as a high-risk indicator. Most banks may reject loan applications if LSS is present.

How can I improve my DPD record in CIBIL?

You cannot change past DPD entries. To improve your record, start making all future payments on time. Use auto-debit mandates, avoid over-borrowing, and monitor your report quarterly. Over 12–24 months, a clean "000" trail will gradually improve your score.

What is STD, LSS & DPD in CIBIL Report: Meaning, Differences & How They Affect Your Credit Score

Q: How long does LSS remain in a CIBIL report?

Negative remarks like LSS may remain in your credit history for several years, depending on lender reporting and bureau policies. Even after closure, its impact may continue for some time.

When you check your CIBIL report, you may come across terms like STD, LSS, and DPD under your loan or...

Why Check Credit Score on Paisabazaar ?

Check Credit Score from All 4 Bureaus

Track Credit Score Seamlessly Every Month

Read Credit Report in Multiple Languages

Google Play Store

4.5_/5

15.6L Reviews

5.7Cr+Satisfied Customers

4Bureau Coverage

800+Cities across India

Check Free Credit Score & Win up to ₹1 lakh

Let’s Get Started

Google Play Store

4.5_/5

15.6L Reviews

5.7Cr+Satisfied Customers

4Bureau Coverage

800+Cities across India

Why Check Credit Score on Paisabazaar ?

Check Credit Score from All 4 Bureaus

Track Credit Score Seamlessly Every Month

Read Credit Report in Multiple Languages

What Does STD Mean in a CIBIL Report

STD stands for Standard.

It means that your loan or credit card account is being serviced regularly and there are no significant payment defaults. In simple words, you are paying your EMIs or credit card dues on time. This is considered a positive account status and reflects healthy credit behaviour.

Example of STD Status:

If your home loan EMI is due on the 5th of every month and you pay it before or on time consistently, your account may be marked as STD.

Is STD Status Good or Bad in CIBIL Report

STD is considered good in your CIBIL report. It shows lenders that:

You are financially disciplined
You repay dues on time
You are a low-risk borrower
Your chances of loan approval are better

Pro Tip: Maintaining STD status can help you improve your creditworthiness over time.

What is LSS Status in a CIBIL Report

LSS stands for Loss .

It means the lender has identified your loan account as a severe default case where recovery is unlikely. Usually, this happens when repayments are overdue for a long time and the lender considers the amount difficult to recover. LSS is considered a serious negative remark in your credit report.

Why is a Loan Marked as LSS

Common reasons include:

Long-term non-payment of EMIs
Repeated defaults over several months
Loan account becoming highly delinquent
The lender classifying the account as unrecoverable

Is LSS Bad for Credit Score

Yes, LSS is bad for your credit profile. It can:

Significantly reduce your credit score
Lead to loan or credit card rejection
Make future borrowing difficult
Stay in your credit history for years

Even getting basic credit cards may become difficult with LSS status.

How to Change or Remove LSS Status in CIBIL Report

Removing LSS is not easy, but it may be improved through proper resolution. Follow the below mentioned steps:

Contact the Lender: Discuss your outstanding dues and settlement options.
Clear Pending Amounts: Pay overdue dues as agreed with the lender.
Request Status Update: Ask the lender to report the updated status to the credit bureau.
Raise a CIBIL Dispute if Needed: If LSS is reported incorrectly, raise a dispute for correction.

5. Build Positive Credit Behaviour: Maintain timely repayments on active accounts going forward.

What Does DPD Mean in a CIBIL Report

DPD stands for Days Past Due . It shows the number of days your payment is overdue beyond the due date. Lenders report DPD every month for your active credit accounts. It helps lenders track your repayment discipline month by month.

How to Read DPD in a CIBIL Report

Your CIBIL report displays DPD in a grid format, with each cell representing one month over the last 36 months. The values in each cell can be:

DPD Value	Meaning
000	Payment made on time - 0 days past due
XXX	No information reported for that month (e.g., account not active or data not submitted by lender)
030	Payment was 30 days late
060	Payment was 60 days late
090	Payment was 90 days late (account may be heading toward NPA)
SUB	Substandard - account has crossed NPA threshold
DBT	Doubtful - prolonged NPA status
LSS	Loss - account deemed irrecoverable
SMA	Special Mention Account - early warning of stress (introduced by RBI)

How to Improve DPD in CIBIL Report

DPD improves with consistent repayment discipline. Here is how you can improve DPD:

Pay EMIs before the due date
Set auto-debit reminders
Avoid missing credit card payments
Clear overdue balances quickly
Avoid over-borrowing
Monitor your credit report regularly

What is the Difference Between STD, LSS, and DPD in CIBIL Report

Parameter	STD	LSS	DPD
Full Form	Standard	Loss	Days Past Due
Meaning	Regular account with timely payments	Severe default account	Number of days payment is overdue
Credit Impact	Positive	Highly Negative	Depends on delay duration
Loan Approval Impact	Improves approval chances	Major rejection risk	Higher DPD lowers approval chances
Example	Timely EMI payments	Long unpaid loan	30, 60, 90 days overdue

How Do Lenders Check STD, LSS, and DPD in a CIBIL Report

When you apply for a loan or credit card, lenders review:

Account status (STD/LSS/etc.)
Monthly DPD history
Repayment consistency
Existing loan defaults
Written-off or settled accounts
Overall CIBIL score

Pro Tip: Even if your score looks decent, repeated DPD delays or LSS remarks can reduce approval chances.

How to Check CIBIL Score for Free with Paisabazaar?

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the credit score purpose and credit score amount

Apply Now

How to Check CIBIL Score for Free with Paisabazaar?

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the credit score purpose and credit score amount

Apply Now

FAQs

STD status is considered good because it shows that you pay your EMIs or credit card dues on time. Lenders prefer borrowers with STD status as it indicates low credit risk. It can improve your chances of loan and credit card approval.

Yes, LSS is very bad for your credit score because it shows severe repayment default. It can lead to loan rejection and reduce your chances of getting approved for even basic credit cards. Its impact may remain for several years.

DPD 000 means there is no payment delay and your account is regular for that month. It shows that you paid your dues on time. This is a positive sign for your credit profile.

DPD XXX usually means the lender has not reported payment information for that month. It does not always indicate default and may happen due to delayed reporting or inactive accounts. Lenders may still review it carefully.

LSS can remain in your credit history for several years depending on lender reporting and bureau records. Even after repayment, its past impact may still be visible to lenders. This can affect future loan approvals.