What is STD, LSS & DPD in CIBIL And Their Differences?

A credit report has multiple components using which the overall credit score of an individual is determined. If you know these components in detail, managing your finances while maintaining a higher credit rating can become a smooth process.  Among these components, STD, LSS, and DPD play significant roles. 

STD meaning in CIBIL refers to ‘Standard’, indicating a regular payment history without any defaults. On the other hand, LSS meaning in CIBIL stands for ‘Loan Settled Short’, implying a settlement where the lender agrees to accept an amount less than the total due. Days Past Due or DPD is a critical component in a CIBIL credit report, representing the number of days a payment on a loan or credit card is overdue.

What is STD in CIBIL?

STD in CIBIL is a crucial term in the realm of credit reporting. It signifies a borrower’s consistent and timely repayment of credit obligations. When a credit report mentions STD, it indicates that the borrower has not missed any payments and has maintained a clean repayment record.

Also Read: What Is A Loan Repayment Schedule And Why Is It Important?

What is LSS in CIBIL?

LSS is a term that emerges in credit reports under specific circumstances. It conveys a situation where a loan is settled for an amount less than the total due mutually agreed between the borrower and the lender. This term is crucial in understanding credit health, as it differs significantly from STD, which denotes regular, on-time payments. 

While STD meaning in CIBIL reflects positively on a borrower’s creditworthiness, LSS can have a negative impact. It suggests financial distress or an inability to repay the loan in full, which might concern future lenders.

Types of Asset Classification of LSS in CIBIL

LSS or “Lender Settled Status” means the borrower has settled their outstanding loan for a reduced amount. Lenders categorise loans based on their settlement status and the borrower’s ability to repay.  The categories set by lenders are standard, substandard, doubtful, and loss, depending on their terms and policies.

What is DPD in CIBIL?

DPD is a critical term in credit reporting. The DPD refers to the number of days a payment on a personal loan or credit card is overdue. Unlike STD, which indicates timely payments, or LSS in CIBIL, which signifies a settled loan for less than the due amount, DPD highlights delinquency in payments.

The significance of DPD in CIBIL lies in its direct impact on a borrower’s credit score. A higher DPD number can severely affect creditworthiness, similar to the negative implications of LSS. Additionally, DBT in CIBIL typically pertains to broader debt-related information in a borrower’s credit history. It can include details about the overall debt level, types of debts, and the borrower’s management of these debts.

Difference Between STD, LSS, and DPD in CIBIL

Understanding the distinctions between STD, LSS, and DPD is crucial for comprehending one’s credit report. STD meaning in CIBIL reflects positive credit behaviour. In contrast, LSS is perceived negatively by lenders as it indicates financial distress or negotiation on debts. DPD quantifies the number of days a payment is overdue, negatively impacting the credit score with each increasing day of delay.

TermMeaning in CIBILImplication
STDStandard (Timely Payments)Positive credit behaviour, timely repayments
LSSLoan Settled ShortSettling for less than owed indicates financial distress
DPDDays Past DueNumber of days payment is overdue, affects credit score negatively

Format of DPD CIBIL Report?

The DPD CIBIL Report format is designed to provide a clear and comprehensive view of an individual’s payment history. DPD in CIBIL report offers a detailed breakdown of payment delays. The DPD full form is represented in a month-on-month format, showing the number of days a payment was late for each month.

‘000’ or ‘XXX’ next to your loan indicates no delay, while higher numbers show increased delays. Unlike LSS, which indicates a settled loan, the DPD report focuses solely on payment delays. This format helps lenders assess the borrower’s payment habits over time, providing a more nuanced understanding than a single term like STD or LSS could.

Format of STD CIBIL Report

The STD CIBIL Report format is structured to reflect the consistency and timeliness of a borrower’s credit payments. In contrast to the DPD report, which details payment delays, the STD in CIBIL report highlights a record of timely payments. STD meaning in CIBIL, standing for ‘Standard’, indicates that the borrower has not defaulted or delayed any credit payments.

The format of the STD CIBIL Report is less complex than that of DPD in CIBIL, as it primarily focuses on demonstrating a borrower’s reliability in meeting their financial obligations on time.

Also Read: What is Credit Limit & How Credit Card Limit is Determined?


To sum up, the distinctions between STD, LSS, and DPD play a pivotal role in shaping one’s credit profile. While STD denotes a track record of financial diligence, LSS reflects a more challenging financial situation where debts are settled for less than owed.

On the other hand, DPD serves as a critical indicator of payment timeliness, directly influencing credit scores. These terms, integral to understanding credit reports, guide individuals in maintaining or improving their creditworthiness. Recognising their impact is key to navigating the complexities of credit and finance.

Frequently Asked Question

Is STD in CIBIL Good or Bad?

STD in CIBIL is considered good as it stands for ‘Standard’, indicating that all credit payments have been made on time. It reflects positive credit behaviour, enhancing the borrower’s creditworthiness.

What is the Full Form of DPD in CIBIL?

The DPD full form in CIBIL is ‘Days Past Due’. It measures the number of days a payment has been overdue, with a higher DPD indicating delayed payments and potentially impacting the credit score negatively.

What is the Highest CIBIL Report?

The highest CIBIL score, which is a part of the CIBIL report, is 900. A higher score, closer to 900, signifies better creditworthiness and reliability in repaying debts.

How Many Marks Are There in LSS?

In the context of LSS in CIBIL, there aren’t specific ‘marks’ assigned. LSS meaning in CIBIL is ‘Loan Settled Short’, indicating a loan settled for less than the due amount, which can negatively impact the credit score.

What is the Difference Between DPD and STD?

The key difference is that STD indicates timely repayments (positive credit behaviour), whereas DPD in CIBIL shows the number of days a payment is overdue, reflecting negatively on the credit report.

Can DPD Be Removed in CIBIL?

DPD in CIBIL can be rectified or removed if it is reported incorrectly. However, if the DPD is accurate, it remains on the report. To reduce the negative impact it has caused, make sure the overdue payments are cleared and a consistent repayment pattern is established.

What is DPD Classification in CIBIL?

DPD classification in CIBIL categorises the number of days a payment has been overdue. It ranges from ‘000’ (no delay) to higher numbers indicating the extent of the delay, impacting the borrower’s credit score and report.

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