Days Past Due (DPD)

Days Past Due (DPD) Definition: Days Past Due (DPD) is the primary metric indicating how many days a borrower's payment (like an EMI) is overdue. It dictates exactly what stage of the collection cycle an account is experiencing.

Why it matters in Debt Collection

• The foundation of credit scoring—any DPD over '000' negatively impacts CIBIL reports.
• Determines the RBI SMA and NPA classifications.
• Collection software executes specific workflows entirely based on the DPD value.