{"id":48091,"date":"2025-02-20T11:39:59","date_gmt":"2025-02-20T06:09:59","guid":{"rendered":"https:\/\/www.tatacapital.com\/blog\/?p=48091"},"modified":"2026-01-19T18:03:04","modified_gmt":"2026-01-19T12:33:04","slug":"what-is-std-lss-and-dbd-in-cibil","status":"publish","type":"post","link":"https:\/\/www.tatacapital.com\/blog\/credit-score\/what-is-std-lss-and-dbd-in-cibil\/","title":{"rendered":"STD, LSS, & DPD in CIBIL: Full Form, Meaning & Key Differences"},"content":{"rendered":"\n

<\/p>\n\n\n\n

Your chances of securing a loan rely on how positive your credit report is. A credit report is a record of the entire history of your debts and your financial behaviour. Lenders analyse this report when considering your loan applications.<\/p>\n\n\n\n

In India, CIBIL is a prominent credit information company that generates credit reports. This report is also termed as CIBIL report. Within the report, there are several terms like STD, LSS, and DPD that have significant effects on your creditworthiness and require a deep understanding. <\/p>\n\n\n\n

In this article, we will delve into the different remarks on your CIBIL report, such as STD, LSS, and DPD, their full forms, and the major differences between them.<\/p>\n\n\n\n

What is STD in CIBIL?<\/h2>\n\n\n\n

STD\u2019s full form in a CIBIL report is \u2018Standard.\u2019 Getting STDs in your report is a good sign. A CIBIL STD means you have a habit of making your repayments on time without any delays. It assures the lenders that you are financially reliable and has a positive reflection on your creditworthiness. In such cases, lenders will be more inclined to approve your loan applications with favourable interest rates and tenure. <\/p>\n\n\n\n

What is LSS in CIBIL?<\/h2>\n\n\n\n

LSS\u2019s full form is \u2018Lender Settled Status.\u2019 Having an LSS on your CIBIL report has a negative connotation. It indicates that a borrower has settled the debt at a lesser amount than what was agreed upon. This usually occurs when the borrower is unable to pay the whole amount and, after negotiations with the lender, pays a reduced amount. LSS on credit reports can decrease your credit score and make it challenging to get your loans<\/a> approved in the future.<\/p>\n\n\n\n

What is DPD in CIBIL?<\/h2>\n\n\n\n

Now that you know LSS full form, let\u2019s discuss DPD. DPD\u2019s full form in a CIBIL report is \u2018Days Past Due.\u2019 It notifies the number of days a borrower\u2019s payment has been overdue. It is expressed in numbers such as DPD 30 and DPD 100, where the numbers indicate the total days that have passed since the due date. A high value of DPD signifies payment delinquency and signals a warning to the lenders. It reflects poorly on your credit report and greatly enhances your chances of loan rejections.<\/p>\n\n\n\n

Differences Between STD, LSS, and DPD in CIBIL<\/h2>\n\n\n\n

The table below highlights the significant differences between the three statuses i.e, STD, LSS and DPD.<\/p>\n\n\n\n

<\/p>\n\n\n\n

Criteria<\/td>Standard (STD)<\/td>Lender Settled Status (LSS)<\/td>Days Past Due (DPD)<\/td><\/tr>
Meaning<\/td>Borrower makes timely repayments.<\/td>Borrower pays partial loan amount.<\/td>Borrower pays the debt long after the due date.<\/td><\/tr>
Credit Behaviour<\/td>Financially responsible and disciplined.<\/td>Financially distressed.<\/td>Financially delinquent.<\/td><\/tr>
Impact on Credit Score<\/td>It has a positive impact on your credit score<\/td>It has a negative impact on your credit score.<\/td>It has a negative impact on your credit score.<\/td><\/tr>
Implications on loan eligibility<\/td>Improves eligibility for loans with favourable terms.<\/td>Reduces the loan eligibility. May lead to loan rejections.<\/td>Significantly reduces the eligibility. May lead to rejections or loans with unfavourable terms.<\/td><\/tr>
Recovery <\/td>Maintain the status by making timely payments<\/td>Improve credit habits over time to build trust with lenders.<\/td>Clear outstanding dues and consider debt restructuring for better financial management.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

How Do STD, LSS, and DPD Affect Loan Approval in India?<\/h2>\n\n\n\n

Lenders closely analyse your CIBIL report to assess risk, and account classifications play a key role in loan decisions. STD meaning in CIBIL refers to \u2018Standard\u2019 accounts that are regular and up to date. In simple terms, STD in CIBIL means the borrower is servicing the loan as agreed. If you\u2019re wondering what is STD in CIBIL, it reflects healthy repayment behaviour and improves approval chances. Repeated STD meaning in CIBIL signals financial discipline, as STD in CIBIL means low default risk and reassures lenders. Understanding what is STD in CIBIL helps borrowers track credit health.<\/p>\n\n\n\n

By contrast, what is LSS in CIBIL points to a \u2018Loss\u2019 account written off by the lender. Knowing the LSS full form (Lender Settled Status) is important because such accounts negatively impact eligibility. The LSS full form indicates severe default, and knowing what is LSS in CIBIL can help you understand why your loan application might have been rejected.<\/p>\n\n\n\n

Finally, DPD in CIBIL report shows payment delays in days. A high DPD in CIBIL report reduces approval chances and may increase interest rates.<\/p>\n\n\n\n

How to Improve Your Creditworthiness?<\/h2>\n\n\n\n

Here are some tips you must follow to improve your creditworthiness.<\/p>\n\n\n\n

1. The first step is to regularly monitor your credit score<\/a> to assess your financial position<\/p>\n\n\n\n

2. You must file a complaint with CIBIL if you spot any discrepancies in your report that may not be your fault.<\/p>\n\n\n\n

2. You should make repayments on your outstanding debts in a timely manner.<\/p>\n\n\n\n

3. Your Credit Utilisation Ratio (CUR) should be below 30%. It is the percentage of credit you use compared to your credit limit.<\/p>\n\n\n\n

4. You should avoid multiple loan applications because it raises a hard inquiry. Too many hard inquiries in a short time indicate that you rely too much on new credit to manage your finances.<\/p>\n\n\n\n

5. Set calendar reminders for your due dates or automatic debit payments<\/a> to avoid delayed repayments.<\/p>\n\n\n\n

6. You should consider having a mix of credit products, such as secured loans like home loans<\/a> and unsecured loans like personal loans<\/a>, to highlight your skill in managing different types of credit effectively.<\/p>\n\n\n\n

How Long Does LSS Remain on a CIBIL Report?<\/h3>\n\n\n\n

The LSS full form is \u2018Lender Settled Status\u2019 and LSS in CIBIL reflects a loan written off by the lender. Such remarks typically stay on your report for a couple of years after the settlement or write-off date. <\/p>\n\n\n\n

STD in CIBIL, or STD meaning in CIBIL, indicates a standard, regularly serviced account. In other words, STD in CIBIL means no default. Past delays are shown separately under DPD in CIBIL report.<\/p>\n\n\n\n

Conclusion<\/h2>\n\n\n\n

Your ability to secure favourable loans hinges on your CIBIL report, which directly impacts your creditworthiness. A clear understanding of the report, including components like STD, LSS, and DPD, is essential for maintaining a strong financial profile. Striving for an STD status, avoiding LSS, and keeping your DPD at zero can positively reflect on your CIBIL report, increasing your chances of loan approvals on better terms.<\/p>\n\n\n\n

Are you unsure about the status and remarks on your CIBILreport? Well, now you can easily check your CIBIL score by visiting the Tata Capital website. To check your credit score, click on \u201cNew Customer,\u201d enter the OTP sent to your registered mobile number, and you\u2019re all set.For more details, visit the Tata Capital website<\/a> or download our app<\/a> today!<\/p>\n\n\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

Your chances of securing a loan rely on how positive your credit report is. A credit report is a record of the entire history of your debts and your financial behaviour. Lenders analyse this report when considering your loan applications. In India, CIBIL is a prominent credit information company that generates credit reports. This report […]<\/p>\n","protected":false},"author":1,"featured_media":48092,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[134],"tags":[],"yoast_head":"\nSTD, LSS & DPD in CIBIL: Meaning, Impact & Differences | Tata Capital<\/title>\n<meta name=\"description\" content=\"Learn the meaning and full forms of STD, LSS, and DPD in CIBIL reports. 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