Days Past Due (DPD) on Your CIBIL Report Explained: What 000, 030, 060 and 090 Actually Mean (India 2026)
By Nitish Bharadwaj · Published Aug 27, 2026 · 6 min
The DPD (Days Past Due) grid on your CIBIL report shows a code for each of the last 36 months: 000 means paid on time, and 030 through 180 mark how many days that payment was overdue, in 30-day steps. XXX means no data was reported. Each account also carries a status — STD if never 90+ days overdue, SUB once it crosses 90 and becomes an NPA, DBT after 12 months in SUB, and LSS if the lender writes it off. This guide explains each code and how much it actually costs your score.
Open your CIBIL report and scroll to any loan or credit card account, and you'll find a row of three-digit codes — one for roughly each of the last 36 months. Most people skip past it because it looks like a serial number, not information. It's actually the most literal record on the entire report: a month-by-month log of whether you paid on time, and if not, by how many days you were late. This single grid drives the biggest factor in your score.
Where to Find It and What It Looks Like
On both the full CIBIL report and most bank/NBFC-facing versions, each credit account (loan or card) has a 'Payment History' or 'DPD' section showing a sequence of codes, typically one per month going back up to 36 months, most recent first. DPD stands for Days Past Due — literally, the number of days beyond the due date that a given month's payment was made, if it was late at all. It's reported by your lender to the bureau every month, which is why a single missed payment takes roughly 30-45 days to actually appear on your report rather than showing up instantly.
The Numeric Codes
| Code | Meaning |
|---|---|
| 000 | Paid on time — no days past due |
| 030 | Payment made 1–30 days after the due date |
| 060 | Payment made 31–60 days after the due date |
| 090 | Payment made 61–90 days after the due date |
| 120 / 150 / 180 | Payment made 91–120 / 121–150 / 151–180+ days after the due date |
| XXX | No data reported for that month — often a new account, or the lender did not report that cycle |
The codes move in fixed 30-day bands rather than showing the exact day count, so a payment made 45 days late and one made 58 days late both show as 060 — the bureau doesn't distinguish within a band. XXX is common in the first month or two of a new account before the lender's first reporting cycle completes, and it isn't a negative mark; it simply means no data exists yet for that period. A long, unbroken run of 000 across 36 months is the single strongest positive signal a CIBIL report can carry.
The Status Codes: STD, SUB, DBT, LSS
Alongside the monthly DPD grid, each account also carries an overall asset classification status, which follows RBI's Non-Performing Asset (NPA) norms rather than the 30-day DPD bands. This is a separate, single label for the account's current standing, not a month-by-month history.
| Code | Full Term | What It Means |
|---|---|---|
| STD | Standard | No instalment has been overdue 90+ days — the account is performing normally |
| SUB | Substandard | Overdue 90+ days; classified as an NPA for less than 12 months |
| DBT | Doubtful | Remained in Substandard status for more than 12 months without recovery |
| LSS | Loss | The lender considers the loan effectively unrecoverable, though it may not yet be formally written off |
The jump from STD to SUB is the one that matters most: it's the exact point — 90 days past due — where RBI's asset classification rules require the lender to treat the account as a Non-Performing Asset, not just a late payment. Everything before that threshold (a 030 or 060 DPD) is recoverable and treated by most future lenders as a one-off lapse if it doesn't recur. Once an account crosses into SUB, it's read very differently by anyone assessing a new loan application, regardless of whether you eventually pay it off in full.
How Much Each Band Actually Costs Your Score
Payment history — this grid, essentially — makes up roughly 35% of your CIBIL score, the single largest factor of the five that determine it (see our full breakdown of CIBIL score factors and weightage for how it stacks against utilisation, credit age, mix, and enquiries). A 030 DPD causes a measurable but moderate drop, typically recoverable within a few months of clean payments after it. A 090 DPD — the threshold into SUB status — is materially more damaging, commonly cited as capable of dropping a 750+ score by 100 points or more, and it stays visible on your report for up to three years from the date it's recorded, regardless of subsequent behaviour. The damage scales with both the DPD band and how many accounts show it simultaneously — one late EMI on one account is recoverable far faster than the same lapse repeated across three cards in the same month.
What to Do If You See a Wrong DPD Entry
- Confirm the payment date on your own bank statement or UPI/NEFT receipt before assuming the bureau is wrong — reporting lag of a few days around the due date is common and not always an error
- Raise a dispute directly through the CIBIL portal (or via your lender, who can also request a correction) citing the specific month and account
- Under RBI's current framework, bureaus and lenders must resolve a dispute within 30 days; if it isn't resolved on time, a compensation mechanism applies
- Keep proof of the disputed payment (screenshot, bank statement, transaction reference number) until the correction is confirmed on a fresh copy of your report
The DPD grid is worth checking every time you pull your CIBIL report, not just after a loan application is rejected — it's the fastest way to spot a reporting error before it compounds, and to see exactly which account, if any, is dragging on the 35% of your score that payment history controls. If a bounced auto-debit is what's showing up in the grid, our guide on failed NACH auto-debits and CIBIL score covers that specific scenario. This same DPD grid also applies in full to P2P lending platform loans — our guide to P2P lending defaults and CIBIL score covers why that's less obvious than it should be to most borrowers.
Frequently Asked Questions
Does a single 030 DPD ruin my chances of a home loan?
Not on its own. A single, isolated 030 entry from years ago, followed by a long clean record, is treated very differently by underwriters than a recent or repeated late payment. Lenders look at the pattern and recency far more than at any single entry in isolation.
How long does a DPD entry stay visible on my CIBIL report?
Individual DPD entries roll off after 36 months as the payment history window moves forward, but a serious negative status (like an account that reached SUB, DBT, or LSS, or was settled/written off) can remain visible on the account-level summary for up to seven years from the date it occurred, separate from the monthly DPD grid itself.
Why does my new credit card show XXX for the first couple of months?
Lenders report account data to bureaus on a monthly cycle, and a newly opened account typically takes one to two reporting cycles to appear with real data. XXX simply reflects that no data has been submitted yet for that period — it carries no negative weight.
Is a 090 DPD the same as a loan default?
They're closely related but not identical terms. A 090 DPD means a specific month's payment was 61-90 days late; crossing past 90 days overdue is also the point at which RBI's rules require the account to be classified SUB (an NPA). In common usage, an account that reaches this point is often referred to as being 'in default,' even before any formal legal recovery action begins.