Introduction
Did you know your missed payments get recorded in a simple number? That number is the days past due. It shows how late you are in paying a loan or credit card bill. Lenders rely on it to understand your repayment habits and decide if they can trust you with more credit. Your credit report (including your CIBIL score) uses this number to reflect your financial discipline. Knowing how days past due work can help you avoid surprises while protecting your borrowing options.
What is Days Past Due?
The days past due meaning tells how late a payment is after the due date. Credit bureaus like CIBIL record this number to track your repayment behaviour. It’s an important signal of how reliable you are with money.
When your report shows days past due as 000, it means you have always paid on time. Lenders see this as responsible financial behaviour, even if your credit score is not very high.
Sometimes, you may see XXX instead of numbers. This simply means the lender has not shared payment details for that period. It doesn’t harm your record.
The report showing values like 30, 60, 90 means your payment is overdue by that many days. A small delay looks risky. However, longer delays raise more red flags for lenders. Keeping your days past due low supports your CIBIL score and helps you qualify for credit when you need it most.
Key Elements of Days Past Due
You can calculate days past due in excel. When looking at days past due on your report, you may notice a few short forms that show the status of your loan or card. Each one has a different meaning:
1. STD (Standard): Payments are made within 90 days, which is seen as normal.
2. SMA (Special Mention Account): This shows accounts that are at risk of slipping into overdue status.
3. SUB (Sub-Standard): Payments have been delayed for more than 90 days.
4. DBT (Doubtful): The account has stayed in Sub-Standard for over 12 months.
5. LSS (Loss): The account is considered uncollectible by the lender.
Checking your credit report often helps you track these values and spot any errors early. Your CIBIL score may drop if mistakes are left unchecked. This makes it harder to qualify for loans. Keeping an eye on days past due ensures you know where you stand and can correct issues quickly.
How is Days Past Due Calculated?
Wondering how to calculate days past due in excel? The value of days past due shows the number of days you delay in paying the loan EMI or credit card bill. You can calculate it using the days past due formula. Suppose the payment was due on the fifteenth & you cleared it three days later. Your report will show 3 days past due.
The longer you wait, the higher this number gets until you clear the amount. This is how the days past due calculation happens. Small delays might be manageable. But it becomes a major default once the delay stretches beyond 30 or 60 days. Such cases can reduce your credit score by 50-300 points. It depends on how late the payment is.
Types of Days Past Due Statuses
Lenders check your days past due status to decide how safe it is to offer you credit. Different values carry different meanings:
1. XXX -This shows the lender has not shared payment details. It does not harm your credit record.
2. 000 -This means you have no outstanding. It highlights responsible habits while building trust with lenders.
3. STD -This shows a payment delay of less than 90 days. While it raises concern, it is less damaging than bigger delays.
The account can be marked as a non-performing asset if a delay goes beyond 90 days. This signals a high risk for lenders and can make future borrowing harder. Keeping track of your days past due status helps protect your CIBIL score and keeps your credit profile in good shape.
Also Read:How to Read and Understand Your Credit Report?
Impact of Days Past Due on Credit Score
Your days past due record has a direct impact on your credit score. Every delay in loan or credit card payments gets noted and can lower your score.
A single late payment may result in a small drop. However, repeated delays can be risky. Lenders often see high days past due numbers as a sign of poor repayment habits. This can result in rejected loan applications or offers with higher rates.
Keeping your days past due low helps you maintain a stronger CIBIL score. Timely payments protect your credit profile. At the same time, it improves your chances of getting an instant personal loan at better terms.
How to Improve Days Past Due Status?
Here are the top ways you can improve your status:
1. Improving your days past due status starts with making payments on time.
2. Paying before the due date
3. Setting reminders or automating payments
4. Clearing them quickly prevents the number from rising further if you already have overdue amounts.
5. Checking your credit report often is another smart step. This lets you spot errors and track your payment history.
6. Speaking directly with lenders can sometimes open options to manage payments better.
Importance of Monitoring Days Past Due
Monitoring your days past due helps you understand your payment habits. It offers a fast view of how well you are handling loans as well as cards. Check your report regularly. You can spot missed payments or errors early. Take action before they harm your credit score. Monitoring your days past due also keeps you aware of your current standing.
Importance of Days Past Due in CIBIL Report
Your days past due record in the CIBIL report is a clear signal of your credit habits and repayment discipline. It directly affects how lenders view your reliability.
1. CIBIL Score Impact -A high days past due count can bring down your CIBIL score, and even one delay of 30 days may keep your score lower for months. This makes it harder to access new credit when you need it.
2. Assessing Credit Risks -Lenders check this number to understand the risks. Frequent late payments show that you may not manage credit well. This might make borrowing more difficult.
3. Financial Health -Days past due also reflect your overall financial health. Monitoring it helps you stay responsible with money & avoid damage to your profile over time.
How can a credit report help in checking one’s Days Past Due Value?
A credit report shows your days past due status in a dedicated section. This makes it easy to see if your payments are on track or delayed.
DPD Value | 000 | XXX | 30 | 60 |
Month | 1–20 | 2–20 | 3–20 | 4–20 |
1. ) 000 - It means you have cleared all dues for that period. No payments are pending. Paying on time builds financial stability.
2.) XXX -This value appears when the lender has not shared payment details with CIBIL. It is treated as a neutral value and does not harm your record.
3.) 30 or 60 -These numbers show how late your payments are in terms of days. Such delays can hurt your credit score and affect your ability to borrow at fair rates.
Lenders follow RBI guidelines when reporting days past due values, which may also include:
1. STD -Payment made within 90 days.
2. NPA -EMIs unpaid for more than 90 days.
3. SUB -Payments delayed up to 12 months. Lenders may still expect repayment, but see it as risky.
4. LSS -The account is marked as uncollectible by banks.
5. DBT -No EMI payment for more than 12 months, though repayment might still be possible.
You should check your credit report often. It helps you monitor errors while tracking your days past due. It also improves your eligibility to apply for a personal loan.
Impact of High Days Past Due on Credit Score
Lenders carefully check your days past due record to decide if you are a safe borrower. Even one late payment can hurt your score.
Lenders may see it as a risk when payments are delayed by more than 90 days. They may reduce your credit limit, charge higher interest, or even reject new loan requests. On the other hand, a record full of “000” entries shows discipline and positions you as a low-risk borrower.
High days past due values often result in:
1. Lower credit score: Long payment delays can pull your score down and make it harder to access credit later.
2. Rejected applications: Lenders may see high delays as a sign of poor money habits and refuse future requests.
A common myth is that short delays don’t matter. In reality, even a few late days get recorded. Another misconception is that once you clear overdue amounts, the days past due entry disappears. The truth is, the payment history stays on record for some time and can still influence how lenders assess your creditworthiness.
How to improve your credit score with High Days Past Due?
Finding a high days past due on your CIBIL report can feel stressful, but you can still improve your score with consistent steps.
1. Pay on Time -The most important action is paying on time. Clearing dues within the due date (or at least before 90 days) helps bring your record back on track & improves your creditworthiness.
2. Credit Utilisation Ratio -Your credit utilization ratio also plays a role. Using only a small portion of your credit limit, ideally below 30%, shows discipline and boosts your profile.
3. Check Report -Checking your credit report often is another smart move, as it lets you spot mistakes that may be raising your days past due unfairly. Correcting errors with the bureau can prevent further damage to your score.
4. Active Accounts -Keeping your existing credit accounts active adds another layer of trust. Lenders view well-managed accounts as proof of your repayment discipline.
5. A Decent Credit History -Consistent payments and a clean record improve your positive credit history. It strengthens your chances of approval for future loans.
Days Past Due Updation Frequency in CIBIL Report
Your days past due status in the CIBIL report is updated whenever lenders share your repayment data with the bureau. These updates also influence your CIBIL score, though the score itself may not always change every month.
For example, your report will show days past due as 30 for that month if you miss a payment by 30 days. It rises to 60 if the bill remains unpaid.
Missing payments for more than three months can result in serious damage to your credit score. Such delays lower your creditworthiness. At the same time, it makes it harder to qualify for loans in the future.
How to report disputes regarding Days Past Due Errors?
Sometimes your credit report may show the wrong days past due value. For example, you may have paid on time, but the report still displays a delay instead of “000.” This usually happens when the lender reports incorrect data.
You can raise a dispute with the credit bureau if you find such an error. CIBIL will then check with the lender & mark the account as “Under Dispute” during the process. The bureau updates your record & removes the tag once the lender confirms the right details.
You can get an updated credit report reflecting the accurate days past due status alongside your refreshed CIBIL score after correction.
Tips to maintain Good Credit History
Maintaining good credit comes down to steady financial discipline.
1. Timely Bill Payments -The best way is to keep your days past due at 000 by paying all EMIs & credit card bills on or before the due date. Setting reminders or enabling auto-pay makes this easier.
2. Good Use of Your Credit -Using credit wisely is another key habit. Keep your spending below 30% of your total credit limit, as a lower utilisation ratio signals healthy money management.
3. Monitor Your Report -Checking your credit report regularly helps you understand mistakes early. Correcting these mistakes prevents unnecessary damage to the score.
4. No More Frequent Loan Applications -Avoid applying for too many loans or credit cards at once. Multiple applications can look risky to lenders (even when your days past due record is clean).
How to Maintain a Healthy Days Past Due?
Keeping your days past due under control is the key to a strong credit score.
1. Pay Timely -Paying EMIs and card bills on or before the due date is the first step. Always keep enough balance in your account if you use auto-debit for payments.
2. Set Reminders -Using reminders on your phone or using banking apps helps you stay on track.
3. Check Credit Report -Regularly checking your credit report is just as important. This way, you can track your days past due and raise a dispute if you find errors.
4. Talk to Your Lender -Discuss it with your lender in advance if you know you might miss a payment. Many lenders are open to offering solutions like revised schedules. This can help you avoid negative reporting.
How is Days Past Due shown in CIBIL Report?
Your days pastduein the CIBIL report highlights your repayment track record for the last 36 months across all credit accounts.
The entries are shown in short notations:
Notation | Meaning |
000 | You have cleared your dues on time. |
STD | Payment is overdue by less than 90 days. |
SUB | Payment has been delayed for more than 90 days. |
DBT | The account has stayed in the SUB category for 12 months. |
LSS | The account is considered uncollectable. |
XXX | The lender hasn’t reported data for that month. |
Keeping a check on your CIBIL report helps you monitor these values.
Conclusion
So, the days past dueisa snapshot of your financial discipline. Regular monitoring & timely payments can keep your DPD healthy. You also need to have clear communication with your lender. This way, you can manage it. So protect your credit score & secure better access to loans in the future.
Frequently Asked Questions (FAQs)
Q.1. What is the full form of DPD?
DPD stands for Days Past Due. It shows the number of days you’ve delayed in paying a loan EMI or credit card bill beyond the due date. It’s an important entry in your CIBIL report that reflects repayment discipline and influences how lenders assess your creditworthiness.
Q.2. How is DPD different from a credit score?
DPD records your payment behaviour for specific months, while your credit score is an overall three-digit number summarising your credit health. A single delayed payment increases DPD but may gradually reduce your score. In short, DPD is a repayment detail, while your credit score is the big-picture result.
Q.3. Where can I find the DPD value in my CIBIL report?
The DPD value is visible under each credit account section of your CIBIL report. It shows your repayment history for the past 36 months. Every month gets marked with notations like 000, XXX and more.
Q.4. Which DPD values are considered negative?
DPD values such as 30, 60 and so on are seen as negative because they show delays in loan or credit card payments. These signals raise red flags for lenders.
Q.5. What does “Overdue DPD Detected” mean?
“Overdue DPD Detected” means your report has entries where payments were delayed. It indicates overdue instalments if you missed paying on time & your DPD shows 30 or 60. That may impact your credit report.
Q.6. How many DPD values can appear in my report?
Your CIBIL report displays up to 36 months of repayment history for each credit account. This means you’ll see 36 entries of DPD values (one for each month). These can include 000, XXX, 30, 60, or other notations, depending on whether you paid dues on time or were delayed.
Q.7. What is the DPD rule in CIBIL?
The DPD rule refers to how CIBIL tracks delayed payments. A value of 000 means you paid on time, while 30, 60, or 90 shows overdue days. More than 90 days often classifies the account as non-performing. The rule helps lenders judge repayment habits before offering credit.
Q.8. How often is DPD updated?
DPD values are updated every time your lender sends repayment data to the credit bureau, usually once a month. If you miss a deadline, your DPD may shift from 000 to 30, and so on. Regular updates make it crucial to stay consistent with timely payments.
Q.9. Can a high DPD be corrected?
Yes, but it takes time. You can improve a high DPD by paying overdue amounts, maintaining timely payments, and lowering credit utilisation. While the DPD record itself remains for a period, showing improved repayment behaviour in the following months helps restore your creditworthiness over time.
Q.10. How do I report DPD errors in my report?
If you notice a DPD error, such as showing a delay when you paid on time, raise a dispute with CIBIL online. They’ll contact your lender for verification. Meanwhile, your report will carry an “Under Dispute” tag until corrected. Once fixed, your score will be updated.
