Highlights:
- CIBIL reports use short codes like ISS, STD, DPD, SUB, and DBT to describe your loan repayment status.
- DPD shows how many days your payment was late and directly affects your credit score.
- STD, SUB, DBT, and LSS reflect the health of your loan account over time.
- Understanding these terms helps you spot issues early and take the right action.
- Even one wrong status in your report can reduce your chances of loan approval.
Have you ever opened your CIBIL report and felt confused by terms like ISS, STD, DPD, SUB, or DBT? You’re not alone. Most borrowers check their credit score but skip the detailed account section where these terms actually explain why your score is high or low.
Banks and NBFCs don’t just look at your score. They analyze repayment behavior using these codes. That’s why understanding LSS in CIBIL, STD in CIBIL, DPD meaning in banking, and other such terms is crucial if you plan to apply for a loan or credit card. This guide helps you to understand these confusing terms easily, so you stay ahead of your finances.
What Is DPD in a CIBIL Report?
DPD is one of the most important terms in your credit report. The DPD full form in banking is ‘Days Past Due’. It shows the number of days your EMI or credit card bill was overdue.
The DPD meaning in banking is simple. Let’s understand this with an example:
- DPD = 0 → Payment made on time
- DPD = 30 → Payment delayed by 30 days
- DPD = 60 → Payment delayed by 60 days
Even a single 30-day delay can reduce your credit score. Repeated delays reflect poor repayment history. Banks pay close attention to DPD because it indicates how risky you are as a borrower. A higher DPD makes loan approval difficult and increases interest rates.
What is an STD in CIBIL?
STD in CIBIL stands for ‘Standard Account’. This is the best status your loan account can have. If your loan or credit card is marked as std in CIBIL, it means:
- EMIs are paid on time
- No overdue amount
- No default history
Lenders prefer applicants whose accounts consistently show STD in CIBIL, as it reflects financial discipline and reliability.
What Is SUB in CIBIL?
SUB in CIBIL means ‘Sub-Standard Account’. An account is marked as SUB in CIBIL when:
Payments are overdue for more than 90 days
The account starts showing early signs of default
This is a warning stage. While not as severe as DBT or LSS, a SUB in CIBIL status signals risk to lenders and can significantly impact loan approvals.
What Is DBT in CIBIL?
DBT in CIBIL stands for ‘Doubtful Account’. When an account stays in the sub-standard category for a long period, it may be classified as DBT in CIBIL. This means:
- Recovery of dues is uncertain
- The borrower has not regularized payments despite reminders
A DBT in the CIBIL remark seriously damages your credit profile. Most banks reject loan applications outright if they see DBT status.
What Is LSS in CIBIL?
LSS in CIBIL refers to ‘Loss Account’. An account is marked as LSS in CIBIL when:
- The lender believes the amount is not recoverable
- The loan is written off or considered a total loss
Seeing LSS in CIBIL in your report is a red flag. It indicates severe default and remains on your credit report for years, even if the loan is later settled.
Banks consider applicants with LSS in CIBIL extremely high-risk.
How ISS Works in a CIBIL Report?
ISS stands for ‘Income Segment Score or Internal Status Segment’, depending on the lender’s reporting format. While not always visible to consumers, ISS helps lenders categorize borrowers internally based on risk and repayment behavior.
ISS often works alongside DPD, STD, SUB, DBT, and LSS in CIBIL to determine eligibility and interest rates.
How These Terms Affect Your Loan Approval?
Here’s how lenders interpret these statuses:
- STD in CIBIL→ Positive, low risk
- DPD 30–60 → Moderate risk
- SUB in CIBIL→ High risk
- DBT in CIBIL→ Very high risk
- LSS in CIBIL→ Loan rejection likely
Even if your score looks decent, a poor account status, like high DPD or DBT in CIBIL, can lead to rejection.
What Should You Do If You See a Negative Status?
If your report shows high DPD, SUB in CIBIL, DBT in CIBIL, or LSS in CIBIL, don’t panic, but act fast.
- Clear overdue payments immediately
- Avoid settlements unless necessary
- Maintain regular repayments for at least 6–12 months
- Monitor your report for incorrect reporting
Over time, disciplined repayment can improve your profile, even after setbacks.
Final Thoughts,
Understanding terms like DPD full form in banking, DPD meaning in banking, STD in CIBIL, DBT in CIBIL, SUB in CIBIL, and LSS in CIBIL gives you control over your financial future. Your CIBIL report is more than just a score; it’s a story of your credit behavior. Read it carefully, fix issues early, and make informed borrowing decisions.
FAQs
- What does DPD mean in a CIBIL report?
DPD means ‘Days Past Due’. It shows how many days your loan EMI or credit card payment was delayed. Even a single 30-day DPD can negatively impact your credit score.
2. Is an STD in CIBIL good or bad?
STD in CIBIL stands for ‘Standard Account,’ and it is a positive status. It means all payments were made on time and there is no overdue or default history.
3. What happens if my account shows SUB in CIBIL?
SUB in CIBIL means ‘Sub-Standard Account’. It indicates payments have been overdue for more than 90 days, and lenders see this as a warning sign of potential default.
4. How serious is DBT in CIBIL?
DBT in CIBIL stands for ‘Doubtful Account’. It shows that recovery of dues is uncertain and most lenders consider this a high-risk status, often leading to loan rejection.
5. Can I get a loan if my CIBIL report shows DPD or SUB?
Yes, but it depends on the severity and how recent the issue is. Minor DPD may still allow approval, while SUB, DBT, or LSS in CIBIL usually lead to rejection.
