Days Past Due (DPD) measures how long a due loan amount remains unpaid after its due date. If Ravi owes an EMI on 1 September and it remains unpaid on 11 September, the simple day count is 10 DPD. “DPD 030” denotes 30 days late, not any arbitrary day from 1 to 30. Account status labels and bureau display may vary by lender and report format.
Reporting more often is not a score formula
Under the July 2026 RBI reporting amendments, covered lenders use the 9th, 16th, 23rd and month-end reference dates; earlier RBI guidance required the 15th and month-end. A missed EMI can therefore enter the source data sooner, but a reference date does not guarantee consumer-report visibility within 7–10 days. Rejected files, validation and subsequent updates matter.
About 90 days and NPA
RBI prudential rules generally identify many term loans as non-performing when principal or interest has remained overdue more than 90 days, subject to product-specific norms. A displayed 90 DPD value is not, by itself, proof that every product has already crossed the NPA line. Check the lender's account classification and the RBI prudential master circular.
Rohan's reporting correction
Suppose Rohan's due date was 1 September and he paid on 8 September: the lateness is about seven days if the lender had not extended the due date. His report may show the historical delinquency or may be corrected depending on when data was submitted and the institution's valid payment posting. Keep the receipt, ask the lender to correct any error and use the CIC dispute process if needed. The earlier claims of 30–50, 80–120 or 150+ fixed score-point drops and a universal 36-month erasure date were unsupported. Credit scores are proprietary and payment history display periods vary; there is no RBI guarantee of a particular recovery timetable.
