Personal loans

Understanding DPD in CIBIL Report

Your Credit Information Report (CIR) provided by Credit Information Bureau India Limited (CIBIL) contains vital information about your credit history, which lenders use to assess your creditworthiness. One essential aspect of the CIBIL report is the Days Past Due (DPD) information. DPD reflects your repayment behavior and plays a significant role in determining your credit score. In this comprehensive guide, we will delve into the concept of DPD, its significance, and how it impacts your credit profile.

What is DPD?

Days Past Due (DPD) is a critical element in your CIBIL report that tracks the number of days a borrower’s payment is overdue. It represents the time elapsed from the due date of a loan or credit card payment until the borrower makes the payment.

DPD and Your Credit Score:

DPD has a direct impact on your credit score. Consistently making timely payments with zero DPD helps improve your credit score and indicates responsible credit behavior. On the other hand, instances of delayed payments can negatively impact your credit score, making it challenging to access credit in the future.

Impact of DPD on Loan Approvals:

Lenders carefully evaluate DPD data while assessing loan applications. High DPDs, indicating a history of late payments, may raise concerns for lenders and reduce the chances of loan approval. Demonstrating a consistent track record of on-time payments can increase your creditworthiness and enhance the likelihood of loan approval.

What are the different levels of DPD?

There are four different levels of DPD:

  • 000: This means that you have made all of your payments on time.
  • 30: This means that you have missed one payment by up to 30 days.
  • 60: This means that you have missed two payments by up to 60 days.
  • 90: This means that you have missed three payments by up to 90 days.

Managing DPD and Credit Behavior

To maintain a healthy credit profile, it is crucial to manage your DPD effectively:

  • Set Up Reminders: Ensure you don’t miss payment due dates by setting up reminders or auto-debits.
  • Create a Budget: Organize your finances with a budget to ensure you have sufficient funds to meet payment obligations.
  • Prioritize Payments: Focus on clearing high-interest debts or loans with the shortest tenure first.
  • Negotiate with Lenders: If facing financial difficulties, consider contacting your lenders to discuss alternative payment arrangements or restructuring options.

Monitoring Your CIBIL Report

Regularly monitoring your CIBIL report allows you to stay updated on your DPD status and overall credit health. Obtain a free credit report once a year or subscribe to credit monitoring services to receive timely alerts about any changes in your credit profile.


DPD in your CIBIL report is a crucial indicator of your credit behavior and plays a significant role in shaping your creditworthiness. Maintaining a low or zero DPD by making timely payments is essential to improve your credit score and enhance your chances of loan approvals in the future. Stay proactive in managing your finances, prioritize timely payments, and monitor your credit report regularly to ensure a healthy credit profile and financial well-being. Remember, a positive credit history built on responsible credit behavior can open doors to better financial opportunities and peace of mind

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