Loan Overdue Days (DPD) Calculator with SMA & NPA Buckets
Check DPD for one loan or your whole book. Each loan is placed in its RBI bucket (SMA-0, SMA-1, SMA-2, NPA) and the portfolio shows PAR 30 and gross NPA at a glance.
QUICK ANSWERDPD (days past due) = today’s date − due date of the oldest unpaid installment. RBI buckets: SMA-0 = 1–30 DPD, SMA-1 = 31–60, SMA-2 = 61–90, and NPA when principal or interest is overdue for more than 90 days. PAR 30 = outstanding principal of loans above 30 DPD ÷ total outstanding principal.
Loading tool…
Want this synced, automatic and collecting payments?
- Same workflow in a free FastFee account, on every device and for your whole team
- Automatic WhatsApp reminders before and after due dates
- Payment links, UPI and AutoPay with auto receipts and live “paid” status
What you get free in the Loan Overdue Days (DPD) Calculator
- ✅ Bulk loan list
- ✅ RBI SMA / NPA buckets
- ✅ PAR 30+ and gross NPA %
- ✅ Bucket summary table
- ✅ Sorted by DPD
- ✅ Print & Excel
How to use the Loan Overdue Days (DPD) Calculator
- STEP 1Set the dateDPD is calculated as on today or any date you pick.
- STEP 2Add loansLoan, oldest unpaid due date, overdue amount and principal outstanding.
- STEP 3Review bucketsLoan-wise DPD and the portfolio bucket summary.
- STEP 4ActExport the 30+ list for your field team before loans slip to the next bucket.
Frequently asked questions
Does a part payment reset DPD?
No. DPD runs from the oldest installment that is not fully paid. Only clearing that installment moves DPD forward to the next unpaid one.
When is an NPA account upgraded to standard?
Under RBI’s November 2021 clarification, an NPA is upgraded only after the borrower pays all arrears of principal and interest, not just one installment.
Is this tool free? Do I need to sign up?
Yes, it is completely free with no login and no limit on entries. Signing up for FastFee is optional. The free plan keeps your records synced across devices; automatic WhatsApp reminders, UPI AutoPay and team logins are on FastFee Premium.
Where is my data stored?
Only in your browser on this device (local storage). Nothing is uploaded to FastFee. Clearing browser data deletes it, so export a CSV or PDF backup regularly.
Need the full software?
More free loan, nbfc & microfinance tools
Daily Loan Demand Sheet Maker →Who must pay today, with arrears and total demand, grouped by agent or area, with a collected column and print.Loan Repayment Schedule Generator →Daily, weekly, fortnightly or monthly installment schedule, flat or reducing interest, with principal, interest and balance.Borrower Payment History Statement →Record payments against a loan; see each installment paid on time, late, part-paid or overdue, with DPD and a printable statement.Flat vs Reducing Interest Comparator →Compare flat and reducing-balance EMIs side by side and see what a flat rate really costs as an annual (APR) rate.Gold Loan Interest Calculator →Eligible loan from gold weight and karat, monthly interest, bullet or EMI repayment and interest for 3–24 months.Loan Foreclosure Amount Estimator →Foreclosure amount after N EMIs: principal outstanding, broken-period interest, foreclosure charge + GST and interest saved.Loan Collection Agent Target Tracker →Agent-wise target vs collected, pace vs days elapsed, amount needed per day, projected month-end and incentive.Microfinance Centre Meeting Register →Centre members, meeting attendance (P/A/L), installment collected, minutes and an 8-meeting register.NACH / AutoPay Failure Tracker →Track every bounced NACH or UPI AutoPay EMI: reason, bounce charge, follow-up, re-presentation and recovery.Two-Wheeler Loan Installment Register →Bike / scooter loan register with vehicle number, monthly installments, payments, overdue and DPD per loan.Weekly Loan Collection Planner →Week view of installments due each day by area or agent, then the day’s collection sheet with arrears.
Other free business tool categories
🎓 School Certificates, Exams & Admissions →Report cards, admit cards, ID cards, TC, bonafide, timetable, online tests and a coaching admission website, all from one student list.🏫 School Staff Tools →Free staff salary sheet with payslips and a staff attendance register for schools, coaching and colleges.🧾 Billing & Invoicing →GST invoices, quotations, purchase orders, delivery challans, receipts and job cards, all free and unlimited.🏪 Shop Billing & POS →Browser POS with exact-amount UPI QR, small-shop billing with stock, daily sales closing and expense P&L.🏦 Lending & Field Collection →MFI group collection sheet, daily cash collection register for agents and a shop installment (kist) tracker.📒 Udhaar, Receivables & Collections →Digital khata, outstanding tracker, payment reminders, promise-to-pay, credit limits, dealer ageing and customer statements.🔁 Subscriptions & Memberships →Recurring billing, gym and studio memberships, PG rent, AMC and insurance renewals, retainers and packages.🥛 Daily Delivery Billing →Milk, newspaper, water can and tiffin monthly bills from daily quantities, plus laundry orders.📅 Projects, Bookings & Installments →Milestone billing, installment plans, booking advances, event and property payment schedules.💳 UPI Payments & Collection →UPI QR with amount, payment pages, coupons, booking advances, bulk payment requests, group collections and UTR reconciliation.🏦 Vendor, Refund & Cash Flow →Vendor payables, PO payments, invoice and payment approvals, refunds, security deposits, commissions, renewals and a cash flow calendar.🎒 School Fee & Admin →Fee demand, fee structure, concessions, attendance %, promotion, exam seating, PTM slots and holiday calendar for schools and coaching.🚚 Distributor & Shop Credit →Party-wise outstanding, credit aging, salesman targets, cheque due dates, advances, part payments and monthly recovery reports.🏘️ Local Recurring Business →Monthly collection registers for cable TV, internet, parking, dance and music classes, hostel mess, PG electricity, laundry and home tuition.👪 Personal & Family Money →Bill and trip splitters, udhaar and payment reminders, budgets, savings goals, shagun card, PDF scanner, image compressor and passport photos.🧮 Fee & finance calculators →GST, EMI, late fee, rent receipt and more.