neutral
Recently
Even One EMI Bounce Can Trigger a 30 Day Past Due Flag And Major Score Drop
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.