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| May 20, 2025

DPD in CIBIL Report: Meaning, Reasons, and How to Fix It

DPD is a significant parameter in the CIBIL report. The DPD full form is days past due; it indicates the number of days a payment (an EMI or credit card bill) is due. Your DPD reflects the payment pattern and lets lenders understand and assess your ability to pay your debt. A high DPD value indicates that either you have missed a payment or your payments are late, and this behaviour directly impacts your credit score. 

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What is DPD and Its Impact on Your Financial Health?

DPD in CIBIL report is a direct indicator of someone’s credit payment behaviour. Put simply, DPD represents the period during which the due date for a loan, credit card bill or EMI is exceeded, and serves as an indicator of potential payment delays or defaults. Your DPD score reflects your financial discipline and shows how many days you have delayed payments beyond the due date.

The lower your DPD in CIBIL report, the more favourably it will reflect on your credit score. Overall, this has a positive impact on your financial health. However, check CIBIL report if it signals a high DPD, it is time to be cautious, as this indicates late payment behaviour and can have a significant impact on your overall creditworthiness and credit score.

How to Clear DPD in CIBIL Report?

If your CIBIL score is indicating high DPD, it can significantly impact your creditworthiness, and in such a scenario, you might wonder how to clear your DPD in the CIBIL report. Well, it is not possible to actually remove DPD from your CIBIL report, but by consistently improving your payment timeliness and managing all your credit responsibly, you can remove the negative impact on your CIBIL score check.

As DPD records your payment history, once you receive a red alert, start making payments on time and avoid any delays to improve your DPD score.

Here are some of the tips to maintain positive DPD in the CIBIL Report:

Pay on time: It is crucial to make all your payments on time. Pay your credit card and EMI bills before or on the due date. Make sure you have enough money in your account for automatic payments to be processed, as this helps to avoid delays.

Have Reminders: There are numerous ways to use reminders to avoid late payments. You can set up calendar alerts and arrange an auto-debit system that deducts the amount from your account on a specific date. You can also use financial apps that remind you of upcoming payment dates.

Track your credit report: You should regularly check your CIBIL report to stay updated about your DPD and credit score. If you notice any inaccuracies or mistakes, you can dispute them with the credit bureau.

Communication with Lenders: In case of emergency, if you cannot make the payment on time, it is crucial to inform your lender. The lenders can come up with some solutions, like adjusting payment plans; therefore, it can prevent reporting your DPD as negative.

Credit Utilisation: Another useful tip for avoiding late payments is to avoid reaching your credit limit. Always leave room for additional transactions, as maxing out can negatively impact your credit score and overall financial health. To maintain a better credit profile, you should try to keep your usage under 30%.

Suggested Read: Understand Your Credit Score and Report - Q & A

How is DPD Represented in Your CIBIL Report?

When you check your CIBIL report, you can see your payment history for each credit account over the past 36 months. Common entries look like:

Code

Meaning

000 or '-'

Indicates on-time payments

030

Payment overdue by 30 days

060

Payment overdue by 60 days

090

Payment overdue by 90 days

120

Payment overdue by 120 days or more

XXX

Indicates that the lender hasn't provided payment details

STD

Refers to payments made within 90 days of the due date (considered standard)

In conclusion, DPD in CIBIL is a crucial factor that directly impacts your creditworthiness and overall financial health. A low or ‘000’ DPD indicates timely payments and reflects positively on your credit score, while a high DPD signals late payments, which can hurt your financial profile. Though you can't erase past delays, you can rebuild your score by maintaining financial discipline, making timely payments, and regularly checking your CIBIL report. Staying proactive with your credit behaviour is the best way to ensure a healthy credit profile and improve your chances of loan approvals in the future.

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