CIBIL DPD: How to Read Days Past Due in Your Credit Report

CIBIL DPD: How to Read Days Past Due in Your Credit Report

Days past due (DPD) is the number in your CIBIL report that shows how late each payment was. Each loan and card has a row of these numbers, one for every month.
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In summary

DPD tells a lender how many days late you paid, month by month, for up to 36 months. "000" means you paid on time. A number such as "030" means you paid 30 days late. Codes such as "SUB" or "LSS" mean the account is seriously overdue. One late month 2 years ago weighs far less than a run of late months this year. Lenders now report every 15 days, so a new DPD entry can show within weeks.


  • "000" means you paid on time.
  • Each number is days late.
  • Recent months matter most.
  • Dispute any wrong entry.

Checking your report before a loan? Check your loan offer with your phone number and a one-time password (OTP) → apply online → funds may be credited within 24 hours* of approval, subject to verification.

What is DPD in a CIBIL report?

Your CIBIL report lists every loan and credit card in your name. Under each account sits a payment history grid. Each box in the grid is one month. The number in the box is the DPD for that month: how many days after the due date the payment reached the lender.


So the grid is a month-by-month diary of your repayments. A lender can see at a glance whether you pay on time, pay late now and then, or have fallen behind for months.

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What do the numbers and codes mean?

The grid uses numbers for days late and short codes for the account's status. The table explains each one.


Entry in the DPD gridWhat it means
000Paid on time that month
030, 060, 090Paid 30, 60 or 90 days late
XXXThe lender sent no data for that month
STDStandard: the account is regular
SMASpecial mention account: early signs of stress
SUBSubstandard: overdue for more than 90 days
DBTDoubtful: substandard for more than 12 months
LSSLoss: the lender does not expect to recover the money

Last updated: 28th October, 2026


"XXX" is not a bad mark in itself. It only means the lender sent no data for that month. But a long run of "XXX" on an active loan is worth checking with the lender.

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How do lenders read the DPD grid?

A lender does not just count late months. It reads the pattern. These 4 points shape its view:

  • How recent: A 30-day delay last month worries a lender more than one from 3 years ago.
  • How late: A "090" is far worse than a "030", as it shows a longer struggle to pay.
  • How frequent: One late month in 36 looks like a slip. Six late months look like a habit.
  • What came after: A long run of "000" after a late month shows the problem has passed.

So the same DPD number can mean different things. A single "030" followed by 2 years of "000" tells a lender you recovered.

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How does DPD affect your CIBIL score?

Payment history carries the most weight in your CIBIL score. Each late month lowers it. The drop depends on how late you paid and what else is on your report.


The effect of a DPD entry also fades with time. As new "000" months build up, an old DPD entry weighs less. It does not disappear at once, but its pull on your score shrinks.

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How long does a DPD entry stay?

The DPD grid shows up to 36 months of history for each account. An old late month moves out of this window as new months are added.


Since January 2025, DPD data reaches the bureaus twice a month (Business Standard, January 2025). So a payment you make today shows on your report within weeks. This works both ways. A late payment shows fast, and so does the on-time payment that follows.

 

Prakash's single late month

Prakash, 36, runs a store for a retail chain in Nagpur on a salary of Rs. 49,000 a month. Two years ago, a late salary credit left one "030" in the DPD grid of his card. Since then, 24 boxes in a row read "000", and his score stands at 728. A car repair and its insurance renewal called for Rs. 1,35,000. At an illustrative 16.75% per annum, he set his equated monthly instalment (EMI) for 1 year against 2.


EMI = P × R × (1 + R)^N ÷ [(1 + R)^N − 1]. Here P = Rs. 1,35,000, R = 16.75 ÷ 1,200 and N = months.


TenureMonthly EMI (Rs.)Total interest (Rs.)EMI as share of salary (%)
12 months (1 year)12,29712,56025.1
24 months (2 years)6,65924,80413.6

Last updated: 28th October, 2026


Stretching to 2 years saves him Rs. 5,638 a month and costs Rs. 12,244 more in interest overall. Processing could take up to Rs. 5,576. Prakash picked 24 months, since a 1-year EMI would eat a quarter of his pay, and turned on auto-debit so no fresh DPD mark appears.


What can delay approval: a CIBIL score below 650 or existing EMIs that take up a large share of your income. Names or addresses that do not match across documents, and more than one loan application in the same month, can also slow it down.


Clean DPD grid and ready to borrow? With a Bajaj Finance Personal Loan, you can borrow Rs. 40,000 to Rs. 75 lakh, subject to eligibility. Check your loan offer with your phone number and a one-time password (OTP) → apply online → funds may be credited within 24 hours* of approval, subject to verification.

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How do you check your DPD?

You can read your own DPD grid for free. Follow these steps:

  • First, get your report: Sign in on the TransUnion CIBIL website with your Permanent Account Number (PAN) and phone, then download the report.
  • Second, open each account: Find the payment history section under every loan and card.
  • Third, scan for any DPD other than "000": Note the month, the number and the account.
  • Fourth, match it with your records: Check your bank statement for that month to see when you paid.

Checking your own report does not affect your score.

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What if a DPD entry is wrong?

Sometimes a payment you made on time shows as late. Fix it this way:

  • Gather proof: Keep the bank statement that shows the payment date.
  • File it online: On the CIBIL website, open the dispute form and pick the wrong month.
  • Let the lender check: CIBIL forwards your dispute to the lender, and only the lender can change the entry.
  • Track it: A dispute should close within 30 days, as per the Reserve Bank of India (RBI).

If the DPD entry is correct, you cannot remove it. The way forward is a run of on-time payments.

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Can a late month stop you from getting a personal loan?

Not always. A lender looks at your whole record, and one old late month carries less weight than a recent run. The Bajaj Finance Personal Loan lends Rs. 40,000 to Rs. 75 lakh over 12 months to 108 months. It asks for a CIBIL score of 650 or more, and an age of 21 years to 80 years for Indian nationals.

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Key offerings: 3 loan types

  • Flexi Hybrid Loan
  • Flexi Dropline Loan
  • Term Loan

  • Withdraw and prepay – no extra charges
    You can withdraw from your limit and prepay as many times as you want, without extra charges.

  • Instalment pattern
    You can pay interest-only EMIs for up to 36 months, after which, the EMI will consist of both, the principal and the interest. EMI is applicable only on the withdrawn amount.

  • Flexi facility charges
    Flexi facility charges applicable based on your loan amount.

  • Withdraw and prepay – no extra charges
    You can withdraw from your limit and prepay as many times as you want, without extra charges.

  • Instalment pattern
    Fixed EMIs that cover both the principal and interest on the loan amount you withdraw.

  • Flexi facility charges
    Flexi facility charges applicable based on your loan amount.

  • Amount disbursed in one go
    The entire loan amount is disbursed at the start.

  • Instalment pattern
    Fixed EMIs that cover both the principal and interest.

  • Flexi facility charges
    No Flexi facility charges.

Personal loan interest rate and applicable charges

Type of fee

Applicable charges

Rate of interest per annum

10% to 30.5% p.a.

Processing fees

Up to 4.13% of the loan amount (inclusive of applicable taxes).

Flexi Facility Charge

Term Loan – Not applicable

Flexi Loans –Up To Rs 1,999 To Up To Rs 18,999/- (Inclusive Of Applicable Taxes)

Will be deducted upfront from loan amount.

Bounce charges

Rs. 700 to Rs. 1,200/- per bounce

“Bounce charges” shall mean charges for (i) dishonor of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonor of payment mandate or non-registration of the payment mandate or any other reason.

Part-prepayment charges

Full Pre-payment:

  • Term Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount as on the date of full pre-payment

  • Flexi Term (Dropline) Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount, as on the date of full prepayment.

  • Flexi Hybrid Term Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount, as on the date of full prepayment.

Part Pre-payment

  • Up to 4.72% (Inclusive of applicable taxes) of the principal amount of Loan prepaid on the date of such part Pre-Payment.

  • Not Applicable for Flexi Term (Dropline) Loan and Flexi Hybrid Term Loan.

Penal charge

Delay in payment of instalment(s) shall attract Penal Charge at the rate of up to 36% per annum per instalment from the respective due date until the date of receipt of the full instalment(s) amount.

Stamp duty (as per respective state)

Payable as per state laws and deducted upfront from loan amount.

Annual maintenance charges

Term Loan: Not applicable

Flexi Term (Dropline) Loan:

Up to 0.295% (Inclusive of applicable taxes) of the Dropline limit (as per the repayment schedule) on the date of levy of such charges.


Flexi Hybrid Term Loan:

Up to 0.472% (Inclusive Of Applicable Taxes) Of The Dropline Limit During Initial Tenure. Up to 0.295% (Inclusive Of Applicable Taxes) Of Dropline Limit During Subsequent Tenure

Credit guarantee scheme feeUp to 1.18% p.a. (pro-rated daily till 31st March) (inclusive of all applicable taxes) of the loan amount
Credit guarantee scheme renewal feeUp to 1.18% p.a. (inclusive of all applicable taxes) on the outstanding loan amount as on April 01 of the subsequent Financial Year.
*Renewal Fee to be collected only for 3 subsequent financial years.
 
**If the Remaining Tenure is less than 12 months, the CG Fee in subsequent years shall be charged prorated.

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Frequently asked questions

Reading DPD

Fixing DPD

What does 000 mean in a CIBIL report?

 "000" in the payment grid means you paid that month's dues on time, with no days past due. A long run of "000" boxes is the strongest sign of good repayment. Lenders look for it, especially in the most recent 12 months of each account in your report, before they decide on a loan.

"XXX" means the lender sent no payment data for that month. It is not a late payment. It can appear when an account is new, closed or between reporting dates. If you see a long run of "XXX" on an active loan, ask the lender to confirm it is reporting your DPD data correctly.

Only if it is wrong. If you paid on time and the report shows a delay, raise a dispute with CIBIL and attach your bank statement. The lender checks and corrects it. A correct late entry stays, but its weight falls as months of on-time payments build up after it.

The effect is strongest in the first months after the late payment and fades as on-time months follow. The payment grid shows up to 36 months for each account. Pay every bill on time from now on, and an old DPD entry will matter less to lenders over time. Keep auto-debit on for every loan.

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