What is STD, LSS & DPD in CIBIL Reports and Their Differences

If you have ever opened your CIBIL report and spotted terms like STD, LSS or DPD, you may wonder what they stand for and why they matter. These short codes carry big meaning — they quietly sum up how you have managed your credit over time. 

Imagine your CIBIL report as a kind of ‘financial pulse’. Where a doctor reads blood pressure and heart rate, lenders read STD, LSS and DPD to assess your credit health. Each code tells a different part of your story — whether you have been paying on time, delayed a few instalments, or defaulted in the past. 

Let’s break down what these codes mean, how they differ, and how they influence your credit score and eligibility. 

What STD Means in a CIBIL Report?

STD stands for Standard Account, and it’s a positive label you can find beside your loan or credit card account. 

It means that your repayments are regular, and no instalment has been overdue for 90 days or more. In simple terms, you are managing your credit responsibly. 

Your payments are on time, your account is healthy, and lenders view you as a reliable borrower. Keeping most of your accounts in STD status reflects consistency, which is exactly what credit bureaus and lenders value most. 

What LSS Means in a CIBIL Report?

LSS refers to a Loss Account. It indicates that the lender has categorised the account as non-recoverable after multiple missed payments. 

This situation usually arises when the borrower has not made repayments for an extended period, prompting the lender to write off the account internally. Even though the account is closed, the LSS tag continues to appear in your credit history for several years. 

From a lender’s perspective, an LSS record signals high risk.  

Understanding DPD in Your CIBIL Report

DPD stands for Days Past Due, and it tracks how many days a payment was delayed for a particular month. Unlike STD or LSS, which describe overall account status, DPD acts as a timeline of monthly repayment behaviour. 

Your CIBIL report typically displays DPD entries for the past 36 months. Each box represents a month, and the numbers show how many days a payment was late — 0, 30, 60, 90 and so on. 

• A “0” means payment was made on time. 
• “30” means it was delayed by one month. 
• “XXX” or “STD” means either no data was reported, or payment was within the permitted period. 

For example, if your DPD row shows 00000030, it means all payments were regular except one, which was delayed by 30 days.  

Key Differences Between STD, LSS, and DPD

While all three may appear in the same report, they serve different purposes. 
Think of them as layers that tell the full story of your repayment habits. 

• STD reflects consistent, on-time repayments 
• DPD records specific monthly delays, giving a snapshot of short-term performance 
• LSS indicates that a loan has been declared non-recoverable after repeated defaults 

In essence, STD shows stability, DPD points to occasional slips, and LSS highlights serious lapses. Together, they form a complete picture of your credit discipline. 

How They Affect Your Credit Score and Loan Eligibility?

Your credit score is influenced by how lenders interpret these codes. 

If all your accounts are marked as STD, it signals strong financial behaviour, which supports a high CIBIL score. Repeated DPD entries showing 30 or 60-day delays can bring the score down, especially if they occur frequently. 

An LSS status, however, has a more lasting impact. Since it indicates default, lenders may hesitate to approve new credit until you have rebuilt your repayment record over time. 

This can be because credit scores are designed to reflect risk. Regular payments improve your reliability rating, while missed or delayed payments do the opposite. Over time, good behaviour helps even out past slips. 

How to Read These Sections in Your Report?

When viewing your report, scroll to the Accounts Information section. Here, you will find each loan or credit card listed with its details — account type, lender name, and current status. 

Pay attention to two key areas: 

• Account Status: This is where you will see STD, LSS, or SUB (Substandard). 
• DPD History: A row of numbers or codes representing monthly payment behaviour. 

If most of your entries show STD and 0, you are in good standing. If not, identify which accounts show delays or outdated data and confirm the information with your lender. 

What to Do if You Notice Errors?

You may spot old or incorrect entries on a credit report — such as a payment shown as overdue even after closure. These discrepancies can appear if lenders haven’t updated the bureau with the latest information. 

To correct this, raise a dispute through the CIBIL website, attach proof of payment, and provide your account details. CIBIL will verify your claim with the lender and update your report. 

Resolving even small errors helps maintain accuracy and can improve your score if the incorrect data was lowering it. 

How to Maintain a Healthy STD Record?

Maintaining STD status is mainly about being consistent. Small habits make a big difference: 

• Set auto-debits for EMIs or credit card bills to avoid missing dates 
• Keep credit utilisation below 30% of your available limit 
• Avoid applying for multiple new loans or cards simultaneously 
• Review your credit report regularly to ensure data accuracy 

Over time, these simple steps create a positive pattern that lenders trust — strengthening both your STD record and your overall CIBIL score. 

The information provided here is for general understanding of CIBIL report terminology in India. Please refer to your official CIBIL report or contact the bureau directly for the latest updates