neutral
4h agoEven One EMI Bounce Can Trigger a 30 Day Past Due Flag And Major Score Drop
In CIBIL reporting logic, a payment becomes a threat only at 30 days late. Once marked DPD 30, the score drop can range between 40–80 points instantly depending on profile.
The system does not differentiate whether the delay was one day or twenty nine days inside the month cycle. Therefore, borrowers must ensure account balance cushion 48 hours before auto debit cycle date.
This protects repayment pillar weightage of 35% and prevents permanent long term score impairment from accidental oversight.
Discvr• By Sneha Pathak
Explore:High Return Equity Mutual Fund
neutral
4h agoEven One EMI Bounce Can Trigger a 30 Day Past Due Flag And Major Score Drop
In CIBIL reporting logic, a payment becomes a threat only at 30 days late. Once marked DPD 30, the score drop can range between 40–80 points instantly depending on profile.
The system does not differentiate whether the delay was one day or twenty nine days inside the month cycle. Therefore, borrowers must ensure account balance cushion 48 hours before auto debit cycle date.
This protects repayment pillar weightage of 35% and prevents permanent long term score impairment from accidental oversight.
Discvr• By Sneha Pathak
Explore:High Return Equity Mutual Fund
about 4 hours ago
1 min read
78 words
A single EMI bounce risks a 40–80 point drop so prevent DPD 30 at all costs.
In CIBIL reporting logic, a payment becomes a threat only at 30 days late. Once marked DPD 30, the score drop can range between 40–80 points instantly depending on profile.
The system does not differentiate whether the delay was one day or twenty nine days inside the month cycle. Therefore, borrowers must ensure account balance cushion 48 hours before auto debit cycle date.
This protects repayment pillar weightage of 35% and prevents permanent long term score impairment from accidental oversight.
In CIBIL reporting logic, a payment becomes a threat only at 30 days late. Once marked DPD 30, the score drop can range between 40–80 points instantly depending on profile.
The system does not differentiate whether the delay was one day or twenty nine days inside the month cycle. Therefore, borrowers must ensure account balance cushion 48 hours before auto debit cycle date.
This protects repayment pillar weightage of 35% and prevents permanent long term score impairment from accidental oversight.
Companies:
TransUnion CIBIL
Banks
Tags:
DPD
credit score
DPD
credit score
EMI bounce
CIBIL
Nov 8, 2025 • 09:57 IST