STD, LSS & DPD in CIBIL Reports: Full Form in Banking, Meaning & Differences
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  • Investors

A person's creditworthiness is often analysed through their credit score, and one of the widely used credit agencies in India is CIBIL (Credit Information Bureau India Limited). CIBIL reports provide a comprehensive overview of an individual's credit history, including essential indicators like Standard Accounts (STD), Loan Settled Status (LSS), and Days Past Due (DPD).

A clear understanding of these terms is essential for the best management of your credit profile with Kotak Mahindra Bank. In this blog, you will understand the significance of these components to help you better understand your CIBIL report.

What is STD in CIBIL? Full-Form & Meaning

In CIBIL reports, the term STD carries significant weight, standing for "Standard." This term is crucial as it means a credit account where the borrower consistently makes timely payments without delays. Lenders and financial institutions closely examine this status as it reflects an individual's reliability in meeting repayment deadlines.

STD on a credit report is a positive indicator of a better repayment history. Credit scores are closely linked to the various statuses assigned to credit accounts. STD, being a positive status, contributes positively to an individual's credit score. On the other hand, negative situations, such as "Default" or "Settled," can significantly impact credit scores, making it challenging to secure favourable lending terms in the future.

To ensure a positive status like STD on the credit report, individuals should prioritise timely payments, manage their credit responsibly, and communicate with lenders in case of financial difficulties. Regularly checking one's credit report can help identify and correct any issues affecting credit status.

What is LSS in CIBIL? Full-Form & Meaning

In CIBIL reports, the "LSS" represents Lender Settled Status and holds significant importance. This status comes when a borrower settles a credit account with the lender by paying a reduced amount, usually following negotiations. LSS is categorised as a negative remark on the credit report, meaning a partial settlement of the debt and potentially impacting the individual's credit score.

The six-month summary within credit reports serves as a concise overview of an individual's recent financial conduct, which has details of any debt settlements such as Loan Settlement Schemes. This section allows lenders to use the borrower's credit management practices over the next half-year, providing valuable insights into their financial behaviour.

Settling debts, termed LSS, can negatively impact your ability to borrow loans from lending institutions. Lenders don't prefer giving loans to those who can't repay their debts in full. If you have LSS listed on your credit report, lenders may be more cautious about giving you loans, making it harder to borrow money.

However, there are steps you can take to improve your credit report and lessen the negative impact of LSS. It's essential to:

  • Pay your bills on time: This shows lenders you are responsible and can manage your finances.
  • Talk to your lenders if you need help to make payments: They can offer you a different repayment plan that is more manageable.
  • Work towards paying off your debts in full: This will remove the LSS from your credit report and improve your credit score.

What is DPD in CIBIL? Complete Form & Meaning

Your CIBIL report includes an important section called DPD. In banking, its complete form is Days Past Due. It tells lenders how late your payments were on different accounts. The higher the DPD number, the longer the delay.

For example, DPD 30 means a payment was 30 days late, while DPD 90 implies a delay of 90 days or more. Knowing the meaning ofDPD can help borrowers improve their DPD numbers.

On-time payments boost your credit score, but DPD can cause issues. High DPD values, especially over 90 days, can significantly lower your score.

By managing your DPD and building a track record of timely payments, you can improve your creditworthiness and gain access to better loan rates and credit offers.

Difference between STD, LSS, and DPD in CIBIL

STD (Standard):

  • Signifies regular and timely payments.
  • Indicates good credit behaviour.
  • Reflects positive credit behaviour.

LSS (Lender Settled Status):

  • Represents a settlement with the lender for a reduced amount.
  • Potential to hurt creditworthiness.
  • Indicates a partial resolution of the debt.

DPD (Days Past Due):

  • Measures the number of days a payment is overdue.
  • Reflects payment delinquency.
  • Provides insights into the timeliness of debt repayments.

Ways to Report Dispute of DPD Errors

If you need help with your credit report's DPD information, such as incorrect payment delays, you can correct them by reporting the error to the credit bureau, like CIBIL.

When you report the issue, CIBIL will contact the lender involved and "flag" your account as being disputed. This means they're investigating the matter. Once they receive the accurate DPD information from the lender, they will update your credit report and remove the "disputed" flag. This ensures your credit history reflects the actual situation.

Must Read - How the Personal Loan Disbursement Process Works: A Comprehensive Guide

Understanding Different LSS Types in CIBIL

Your CIBIL report may include a specific LSS status. This tells potential lenders how the original lender classified the repayment outcome of your loan. Lenders use different categories based on their policies, such as "Standard," "Substandard," "Doubtful," and "Loss."

In the case of LSS, the debt was eventually settled with the lender for a smaller amount than originally owed. This helps new lenders understand how similar situations were handled in the past.

Tips for Improving Credit Scores

  1. Ensure all bills and debts are paid on or before due dates. Consistent promptness reflects reliable borrowing habits.
  2. Manage credit card balances effectively. Keep utilisation levels low.
  3. Be mindful of inquiries. Minimise credit applications, as frequent searches can impact your score. Only apply for credit when truly necessary.
  4. Monitor your credit report regularly. Check for inaccuracies or fraudulent activity. Promptly report any errors to the credit bureau for correction.
  5. Diversify your credit mix. Consider establishing a mix of credit products, such as unsecured loans like Personal Loans and secured loans like Home Loans, to demonstrate your ability to responsibly manage different types of credit.


Understanding your credit scores, including components like STD, LSS, and DPD in CIBIL reports, is crucial for managing your financial profile effectively. Kotak Mahindra Bank recognises the significance of a good credit score and offers collateral-free Personal Loans with attractive terms. With a credit score of 750, you can borrow an instant Personal Loan of up to ₹5 lakh with interest rates starting from 10.99% p.a. in less than 30 minutes online.

So why wait? Take advantage of Kotak Mahindra Bank's offerings and empower your financial journey. Apply for a Personal Loan of up to ₹40 lakh today and achieve your goals with confidence.

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Is Having an STD on CIBIL Positive or Negative?

Having an STD (Standard) on CIBIL is positive. It indicates consistent and timely payments, reflecting good credit behaviour.

What Does DPD Stand for in CIBIL Reports?

DPD stands for "Days Past Due" in CIBIL reports. It measures the days a borrower's payment is overdue, reflecting delinquency.

What Constitutes the Highest CIBIL Score?

The highest CIBIL score is 900. A score of 750 or above is needed to be considered suitable for your credit application from Kotak Mahindra Bank, indicating strong creditworthiness and favourable terms.

Understanding the Scale: How Many Marks in LSS?

LSS (Lender Settled Status) doesn't have a specific scoring system. It represents a negative remark, indicating settlement for a reduced amount. The impact on creditworthiness depends on the lender's policies.

Is Prepaying a Personal Loan Advisable?

Prepaying a Personal Loan can be beneficial if you have surplus funds. It reduces the outstanding balance, saving on interest. However, check loan terms for prepayment charges and consider financial priorities.

Disclaimer: This Article is for information purposes only. The views expressed in this Article do not necessarily constitute the views of Kotak Mahindra Bank Ltd. (“Bank”) or its employees. The Bank makes no warranty of any kind with respect to the completeness or accuracy of the material and articles contained in this Article. The information contained in this Article is sourced from empaneled external experts for the benefit of the customers and it does not constitute legal advice from the Bank. The Bank, its directors, employees and the contributors shall not be responsible or liable for any damage or loss resulting from or arising due to reliance on or use of any information contained herein. Tax laws are subject to amendment from time to time. The above information is for general understanding and reference. This is not legal advice or tax advice, and users are advised to consult their tax advisors before making any decision or taking any action.