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If you have looked at your CIBIL report carefully, you may have seen a column labelled "DPD" — Days Past Due — with numbers like "000," "030," "060," "090," and abbreviations like "SUB," "DBT," and "LSS."
Most borrowers have no idea what these mean. They are actually one of the most important columns in your credit report — lenders scrutinise them carefully when assessing your application.
This article decodes every DPD code and tells you how each one affects your score and what you can do about it.
The DPD Table: Complete Decoder
| DPD Code | Meaning | CIBIL Score Impact | What It Signals to Lenders |
|---|---|---|---|
| 000 | Paid on time, 0 days late | Best possible | Excellent payment behaviour |
| 030 | 1–30 days late | Moderate (-20 to -40 pts) | Minor slip, not alarming |
| 060 | 31–60 days late | Significant (-40 to -80 pts) | Two months behind — attention |
| 090 | 61–90 days late | Severe (-80 to -120 pts) | Approaching NPA threshold |
| SUB | Substandard (NPA, 90+ days) | Very severe (-100 to -150 pts) | Active NPA |
| DBT | Doubtful (NPA, 12+ months) | Very severe (-120 to -160 pts) | Long-term NPA |
| LSS | Loss (NPA, 36+ months, uncollectible) | Maximum damage | Written off |
| XXX | Data not available | Neutral | Lender did not report |
| STD | Standard (on time) | Positive | Normal, good standing |
How DPD Is Calculated and Reported
DPD in your CIBIL report is reported monthly for each account. Your report shows a 36-month history (or since account opening, whichever is shorter) of DPD for each credit account.
For example, if your credit card account shows this DPD history (reading left to right, most recent to oldest): 000, 000, 000, 030, 060, 030, 000, 000...
This tells the story: you had a rough period (60 days late, then 30 days late) but have since recovered to on-time payments. Lenders can read your payment history month by month.
How Much Does Each DPD Hurt Your Score?
The impact of any DPD entry depends on: How recent it is (recent DPDs hurt more than old ones) How many accounts have DPD (multiple accounts with DPD compounds the impact) How high the DPD is (030 is much less damaging than 090)
Approximate score impact of a single DPD event: One 030 DPD in last 12 months: -25 to -40 points One 060 DPD in last 12 months: -50 to -80 points One 090 DPD in last 12 months: -80 to -120 points Multiple DPDs across accounts: effects compound significantly
The same DPD that is 3 years old has approximately half the impact of one from the past 12 months.
Can DPD Entries Be Removed or Disputed?
If the DPD is accurate: You cannot remove it. DPD history is required to be reported accurately and is retained for 7 years. What you can do is build new, positive payment history on top of it, which progressively reduces the impact.
If the DPD is inaccurate: You absolutely can and should dispute it.
Common inaccurate DPDs: You paid on time but the payment was not processed until the next business day (timing error) The lender's system reported a DPD for a month where you actually paid early Technical glitches causing incorrect reporting Post-closure DPDs (account was closed but system continued reporting)
To dispute: Go to cibil.com, file a dispute with your payment bank statement showing the payment date. If the payment date was on or before the due date, the DPD should be corrected to 000.
Strategy: Which DPDs to Clear First
If you have multiple accounts with negative DPD history, prioritise clearing (paying) in this order:
Most recent defaults first: A default from last month hurts more than one from 2 years ago Highest DPD first: A 090 hurts more than a 030 on the same account Accounts with active DPD: Any account currently in default should be cleared before working on historical reporting
Paying older, settled accounts first is emotionally satisfying but strategically wrong. Focus on recency and severity.
HeyZ AI reads your DPD history and tells you exactly which accounts to prioritise for maximum score recovery — free at www.sahisujhav.com
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