What is Days past due (DPD)?

Three rules keep DPD consistent. Count from the oldest unpaid installment, not the newest. Recognize that a partial payment does not reset the clock unless it fully pays that installment after allocation. And apply any grace period as a written policy rather than an informal habit.

Because DPD drives risk classification and provisions, restructuring a loan and resetting its DPD without recording it flatters the figures. Track restructured loans separately so the aging report reflects real repayment behaviour.