What is DPD?
DPD (Days Past Due) is the number of days a borrower has been overdue on a loan EMI payment. It appears in your CIBIL report for each loan account, updated monthly by the lender. DPD of 0 means payments were on time. Any positive DPD — 30, 60, 90 days — indicates late or missed payments. DPD significantly impacts your CIBIL score; even a single 30+ DPD can drop your score by 50–80 points.
Example
Your home loan EMI was due on the 5th but you paid on the 20th — 15 days late. CIBIL shows "015 DPD" for that month. If unpaid for 60 days, it shows "060 DPD." After 90 days, the account may be marked as NPA (Non-Performing Asset), severely damaging your credit profile.
Frequently Asked Questions
How long does DPD stay on my CIBIL report?
DPD entries stay on your CIBIL report for 7 years from the date of the incident. Even after you pay the overdue amount, the historical DPD remains visible to lenders for 7 years. However, after 24–36 months of clean repayment history, most lenders start discounting old DPD entries (particularly if they were isolated incidents). DPD from more than 3 years ago with perfect repayment since then is often forgiven by lenders.
Can I remove DPD from my CIBIL report?
You cannot remove accurate DPD entries from your CIBIL report — if you genuinely missed a payment, it will remain for 7 years. However, if the DPD entry is an error (you paid on time but the lender reported wrongly), dispute it at cibil.com with payment proof. The lender has 30 days to correct the record. Some lenders also offer a "DPD waiver" letter stating that the delay was due to banking issues on their end, which you can attach to your next loan application as an explanation.
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