AD-1 |
Authorized Dealers Category-I |
AEs |
Advanced Economies |
AePS |
Aadhaar Enabled Payment Systems |
AFA |
Additional Factor of Authentication |
AFS |
Available for Sale |
AI/ML |
Artificial Intelligence and Machine Learning |
AID |
All Inclusive Directions |
AIFIs |
All India Financial Institutions |
AML |
Anti-Money Laundering |
ANBC |
Adjusted Net Bank Credit |
APR |
Annual Percentage Rate |
AQR |
Asset Quality Review |
ARCs |
Asset Reconstruction Companies |
ARDL-EC |
Autoregressive Distributed Lag Model with Error Correction |
ASISO |
Automated Sweep-In and Sweep-Out |
BBPOUs |
Bharat Bill Payment Operating Units |
BBPS |
Bharat Bill Payment System |
BCBS |
Basel Committee on Banking Supervision |
BC-ICT |
Business Correspondents - Information and Communication Technology |
BCs |
Business Correspondents |
BEI |
Banking Expectations Index |
BFSCI |
Bloomberg U.S. Financial Conditions Index |
BIS |
Bank for International Settlements |
BISIH |
BIS Innovation Hub |
BOS |
Banking Ombudsman Scheme |
bps |
Basis Points |
BSBDAs |
Basic Savings Bank Deposit Accounts |
CADs |
Current Account Deficits |
CAGR |
Compound Annual Growth Rate |
CASA |
Current Account and Savings Account |
CBDC |
Central Bank Digital Currency |
CBS |
Core Banking Solution |
CC |
Contact Centre |
CCB |
Capital Conservation Buffer |
CCO |
Chief Compliance Officer |
CCPs |
Central Counterparties |
C-D |
Credit-Deposit |
CDS |
Credit Default Swap |
CDs |
Certificates of Deposits |
CEPCs |
Consumer Education and Protection Cells |
CET |
Common Equity Tier |
CFLs |
Centres for Financial Literacy |
CFSS |
Core Financial Services Solution |
CGFMU |
Credit Guarantee Fund for Micro Units |
CI |
Confidence Interval |
CICERO |
Centre for International Climate Research |
CICs |
Core Investment Companies |
CICs |
Credit Information Companies |
CIMS |
Centralised Information and Management System |
CIRP |
Corporate Insolvency Resolution Process |
CISBI |
Central Information System for Banking Infrastructure |
CMBs |
Cash Management Bills |
CME |
Capital Market Exposure |
CoR |
Certificate of Registration |
CoVaR |
Conditional Value at Risk |
CPI |
Consumer Price Index |
CPMI |
Committee on Payments and Market Infrastructures |
CPs |
Commercial Papers |
CRAR |
Capital to Risk-Weighted Assets Ratio |
CRAs |
Credit Rating Agencies |
CRE |
Commercial Real Estate |
CRE-RH |
Commercial Real Estate – Residential Housing |
CRILC |
Central Repository of Information on Large Credits |
CRM |
Credit Risk Mitigation |
CRMs |
Cash Recycling Machines |
CRO |
Chief Risk Officer |
CRR |
Cash Reserve Ratio |
CSRD |
Corporate Sustainability Reporting Directive |
CVA |
Credit Valuation Adjustment |
DAY-NRLM |
Deendayal Antyodaya Yojana-National Rural Livelihood Mission |
DBTs |
Direct Benefit Transfers |
DBUs |
Digital Banking Units |
DCCBs |
District Central Co-operative Banks |
DFI |
Development Financial Institution |
DICGC |
Deposit Insurance and Credit Guarantee Corporation |
DIF |
Deposit Insurance Fund |
DLAs |
Digital Lending Applications |
DP |
Discussion Paper |
DPI |
Digital Payments Index |
D-SIBs |
Domestic Systemically Important Banks |
DTH |
Direct-To-Home |
EBLRs |
External Benchmark Linked Lending Rates |
ECB |
European Central Bank |
ECBs |
External Commercial Borrowings |
ECL |
Expected Credit Loss |
ECLGS |
Emergency Credit Line Guarantee Scheme |
EGARCH |
Exponential Generalized Autoregressive Conditional Heteroskedasticity |
EMDEs |
Emerging Market and Developing Economies |
EMEs |
Emerging Market Economies |
eNWRs |
Electronic Negotiable Warehouse Receipts |
ESG |
Environmental, Social And Governance |
EXIM Bank |
Export Import Bank of India |
FADA |
Federation of Automobile Dealers’ Associations |
FAS |
Financial Access Survey |
FBCs |
Fixed-point Business Correspondents |
FBs |
Foreign Banks |
FCI |
Financial Conditions Index |
FCNR(B) |
Foreign Currency (Non-Resident) Accounts (Banks) |
FCS-OIS |
Foreign Currency Settled Overnight Indexed Swap |
FIs |
Financial Institutions |
FI-Index |
Financial Inclusion Index |
FIPs |
Financial Inclusion Plans |
FLCs |
Financial Literacy Centres |
FMIs |
Financial Market Infrastructures |
FPC |
Fair Practices Code |
FRRR |
Fixed Rate Reverse Repo |
FSB |
Financial Stability Board |
FSWM |
Financially Sound and Well Managed |
GCCs |
General Credit Cards |
GDP |
Gross Domestic Product |
GFC |
Global Financial Crisis |
GNPA |
Gross Non-Performing Assets |
G-SAP |
Government Securities Acquisition Programme |
G-Secs |
Government Securities |
HFCs |
Housing Finance Companies |
HFT |
Held for Trade |
HO |
Head Office |
HQLAs |
High Quality Liquid Assets |
HTM |
Held to Maturity |
IAC |
Independent Advisory Committee |
IBBI |
Insolvency and Bankruptcy Board of India |
IBC |
Insolvency and Bankruptcy Code |
ICCW |
Interoperable Card-less Cash Withdrawal |
ICMA |
International Capital Market Association’s |
I-D |
Investment-Deposit |
IFR |
Investment Fluctuation Reserve |
IFSC |
International Financial Services Centre |
IIS |
Investment In Securities |
IMF |
International Monetary Fund |
INR |
Indian Rupees |
IO |
Internal Ombudsman |
IPOs |
Initial Public Offerings |
IRB |
Internal Ratings-Based |
IRRBB |
Interest Rate Risk in the Banking Book |
ISSB |
International Sustainability Standards Board |
IVR |
Interactive Voice Response |
JLGs |
Joint Liability Groups |
KCC |
Kisan Credit Card |
KFS |
Key Fact Statement |
KMP |
Key Managerial Personnel |
KPIs |
Key Performance Indicators |
KYC |
Know Your Customer |
KUA |
KYC User Agency |
LABs |
Local Area Banks |
LAF |
Liquidity Adjustment Facility |
LCR |
Liquidity Coverage Ratio |
LEF |
Large Exposure Framework |
LEs |
Legal Entities |
LIBOR |
London Interbank Offered Rate |
LR |
Leverage Ratio |
LSPs |
Lending Service Providers |
LTV |
Loan-to-Value |
mCBDC |
Multi-CBDC |
MD |
Master Direction |
MIBOR |
Mumbai Interbank Offered Rate |
MIGR |
Minimum Investment Grade Credit Ratings |
MMF |
Money Market Fund |
MPC |
Monetary Policy Committee |
MoSPI |
Ministry of Statistics and Program Implementation |
MSF |
Marginal Standing Facility |
MSMEs |
Micro, Small and Medium Enterprises |
MtM |
Mark-to-Market |
NABARD |
National Bank for Agriculture and Rural Development |
NaBFID |
National Bank for Financing Infrastructure and Development |
NACH |
National Automated Clearing House |
NBFC-AA |
NBFC-Account Aggregator |
NBFC-BL |
NBFC-Base Layer |
NBFC-ICCs |
NBFC-Investment And Credit Companies |
NBFC-IDF |
NBFC-Infrastructure Debt Fund |
NBFC-IFC |
NBFC-Infrastructure Finance Company |
NBFC-MFIs |
NBFC-Micro Finance Institutions |
NBFC-ML |
NBFC-Middle Layer |
NBFC-NOFHC |
NBFC-Non-Operative Financial Holding Company |
NBFC-P2P |
NBFC–Peer to Peer Lending Platform |
NBFCs |
Non-Banking Financial Companies |
NBFCs-D |
Deposit-Taking NBFCs |
NBFCs-ND |
Non-Deposit Taking NBFCs |
NBFCs-ND-SI |
Non-Deposit Taking Systemically Important NBFCs |
NBFC-TL |
NBFC-Top Layer |
NBFC-UL |
NBFC-Upper Layer |
NBFI |
Non-Bank Financial Intermediation |
NBFIs |
Non-Bank Financial Intermediaries |
NBFIs |
Non-Banking Financial Institutions |
NCCDs |
Non-Centrally Cleared Derivatives |
NCDs |
Non-Convertible Debentures |
NCLTs |
National Company Law Tribunals |
NDS-OM |
Negotiated Dealing System-Order Matching |
NDTL |
Net Demand and Time Liabilities |
NED |
Non-Executive Directors |
NGFS |
Network for Greening the Financial System |
NHB |
National Housing Bank |
NII |
Net Interest Income |
NIM |
Net Interest Margin |
NNPA |
Net Non-Performing Assets |
NOF |
Net Owned Fund |
NPAs |
Non-Performing Assets |
NPCI |
National Payments Corporation of India |
NPLs |
Non-Performing Loans |
NRC |
Nomination and Remuneration Committee |
NRO |
Non-Resident Ordinary |
NSFI |
National Strategy for Financial Inclusion |
NSFR |
Net Stable Funding Ratio |
NSUCBs |
Non-Scheduled Urban Co-operative Banks |
NWRs |
Negotiable Warehouse Receipts |
O-ARR |
Overnight Alternative Reference Rate |
OD |
Overdraft |
OEFs |
Open-Ended Funds |
OFCBs |
Overseas Foreign Currency Borrowings |
OIS |
Overnight Indexed Swap |
OMO |
Open Market Operation |
OSDT |
Ombudsman Scheme for Digital Transactions |
OSNBFC |
Ombudsman Scheme for Non-Banking Financial Companies |
OTC |
Over-the-Counter |
OTS |
One-Time Settlement |
PACS |
Primary Agricultural Credit Societies |
PBs |
Payments Banks |
PCA |
Prompt Corrective Action |
PCARDBs |
Primary Co-operative Agriculture and Rural Development Banks |
PCR |
Provision Coverage Ratio |
PDs |
Primary Dealers |
PLI |
Production Linked Incentive |
PLR |
Prime Lending Rate |
PMAY-G |
Pradhan Mantri Awaas Yojana-Gramin |
PMAY-U |
Pradhan Mantri Aawas Yojna-Urban |
PMCBL |
Punjab and Maharashtra Co-operative Bank Ltd |
PMJDY |
Pradhan Mantri Jan Dhan Yojana |
PML |
Prevention of Money Laundering |
PSBs |
Public Sector Banks |
PSL |
Priority Sector Lending |
PSLCs |
Priority Sector Lending Certificates |
PSUs |
Public Sector Undertakings |
PVBs |
Private Sector Banks |
QBs |
Qualified Buyers |
RBIH |
Reserve Bank Innovation Hub |
RB-IOS |
Reserve Bank - Integrated Ombudsman Scheme |
RDG |
Retail Direct Gilt |
REE |
Real Estate Exposures |
REs |
Regulated Entities |
RMCB |
Risk Management Committee of the Board |
RoA |
Return on Assets |
RoE |
Return on Equity |
RR |
Reserve Ratio |
RRBs |
Regional Rural Banks |
RS |
Regulatory Sandbox |
RSA |
Restructured Standard Advances |
RT |
Risk Thresholds |
RTGS |
Real Time Gross Settlement |
RWAs |
Risk-Weighted Assets |
SARFAESI Act |
Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest Act |
SBM-G |
Swachh Bharat Mission-Gramin |
SBR |
Scale Based Regulation |
SCARDBs |
State Co-operative Agriculture and Rural Development Banks |
SCBs |
Scheduled Commercial Banks |
SDF |
Standing Deposit Facility |
SEs |
Supervised Entities |
SF/MF |
Small and Marginal Farmers |
SFBs |
Small Finance Banks |
SFG |
Sustainable Finance Group |
SGBs |
Sovereign Gold Bonds |
SHG-BLP |
Self-Help Group - Bank Linkage Programme |
SHGs |
Self Help Groups |
SIAM |
Society of Indian Automobile Manufacturers |
SIDBI |
Small Industries Development Bank of India |
SLF |
Special Liquidity Facility |
SLR |
Statutory Liquidity Ratio |
SLTRO |
Special Long-Term Repo Operations |
SMA |
Special Mention Accounts |
SMEs |
Small and Micro Enterprises |
SMFs |
Small and Marginal Farmers |
SPDs |
Standalone Primary Dealers |
SPO |
Second Party Opinion |
SRs |
Security Receipts |
SSBs |
Standard Setting Bodies |
SSE |
Sensitive Sector Exposure |
StCBs |
State Co-operative Banks |
SUCBs |
Scheduled Urban Co-operative Banks |
TBTF |
Too-Big-To-Fail |
TCFD |
Task Force on Climate-Related Financial Disclosures |
TLAC |
Total Loss-Absorbing Capacity |
TLTRO |
Targeted Long-Term Repo Operations |
TR |
Trade Repository |
TR |
Total Remuneration |
TReDS |
Trade Receivables Discounting System |
TREPS |
Triparty Repo Dealing and Settlement |
UCBs |
Urban Co-operative Banks |
UIDAI |
Unique Identification Authority Of India |
UPI |
Unified Payments Interface |
U.K. |
United Kingdom |
U.S. |
United States |
USFB |
Unity Small Finance Bank |
UTs |
Union Territories |
VAR |
Vector Auto Regression |
VaR |
Value at Risk |
VP |
Variable Pay |
VRR |
Variable Rate Repo |
VRRR |
Variable Rate Reverse Repo |
WAC |
Weighted Average Cost |
WAPs |
Weighted Average Premiums |
WEO |
World Economic Outlook |
WGDL |
Working Group on Digital Lending |
WOS |
Wholly-Owned Subsidiary |