# DPD in a bureau report: meaning

> DPD means days past due: how many days a payment was late at the time it was reported. A bureau report shows it month by month.

Source page: https://creditbrief.in/posts/dpd-meaning
Published: 2026-11-06
Publisher: CreditBrief

DPD stands for days past due. It is the number of days a payment on a loan or card was overdue when the lender reported it to a credit bureau. RBI's credit information directions use the same term.

A bureau report usually shows DPD as a string, one value for each month:

> 000 000 012 000 000 034 028 000

Here, `000` means the account was not overdue that month. `034` means it was 34 days overdue. Display order and format vary by bureau and report, so check which end is the newest month.

## Reading a string

Look at more than the worst number.

| Question | Why it matters |
|---|---|
| How recent is it? | Late payments last month may mean more than ones from two years ago |
| How often? | One late month and repeated small delays can suggest different things |
| Is it rising? | 012, 034, 061 suggests a problem that is getting worse |
| Which product? | A late card and a late home loan may not carry the same weight |

Each lender decides how much these matter. For the regulatory categories that sit around DPD, read the current RBI directions that apply to your institution.

## Sources

- [Non-Banking Financial Companies – Credit Information Reporting Directions, 2025 (RBI/DOR/2025-26/349)](https://www.rbi.org.in/Scripts/BS_ViewMasDirections.aspx?id=12955), Reserve Bank of India, as updated

Indicative only. Verify against your institution's policy.