DPD (Days Past Due) (देय तिथि से बीते दिन (डीपीडी))
DPD counts how many days a payment has been overdue, and bureaus record it monthly on your report as 0, 30, 60, 90 and so on. Anything above 0 hurts, 30-plus hurts badly, and 90-plus typically classifies the loan as a non-performing asset.
Worked example
Your ₹3,000 EMI (one of 6 instalments totalling ₹18,000) due on the 5th is paid on the 20th: that month reports "15 DPD". A string of 0s afterwards slowly repairs the damage, but the late mark stays visible on the report for years.