ABCI

-

Association of Business Communicators of India

ABCP

-

Asset Backed Commercial Paper

ACU

-

Asian Clearing Union

ADB

-

Asian Development Bank

ADF

-

Augmented Dicky Fuller

ADR

-

Asset Development Reserve

ADRs

-

American Depository Receipts

ADs

-

Authorised Dealers

AERA

-

Airport Economic Regulatory Act

AFI

-

Annual Financial Inspection

AIFI

-

All India Financial Institution

AIMSCS

-

Advanced Institute of Mathematics, Statistics and Computer Science

ALM

-

Asset Liability Management

AMA

-

Advanced Measurement Approach

AMFI

-

Association of Mutual Funds in India

AML

-

Anti-Money Laundering

AMU

-

Asian Monetary Unit

ANBC

-

Adjusted Net Bank Credit

APS

-

Annual Policy Statement

AS

-

Accounting Standard

ATM

-

Automated Teller Machine

BAFT

-

Bankers’ Association for Finance & Trade

BC

-

Business Correspondent

BCBS

-

Basel Committee on Banking Supervision

BCP

-

Business Continuity Planning

BCSBI

-

Banking Codes and Standards Board of India

BE

-

Budget Estimates

BF

-

Business Facilitator

BFS

-

Board for Financial Supervision

BFSI

-

Banking Financial Services and Insurance

BIS

-

Bank for International Settlements

BMP

-

Basic Management Programme

BoP

-

Balance of Payments

BPLR

-

Benchmark Prime Lending Rate

BPSS

-

Board for Regulation and Supervision of Payment and Settlement Systems

BRBNMPL

-

Bharatiya Reserve Bank Note Mudran Private Limited

BSA

-

Bilateral Swap Arrangements

BSE

-

Bombay Stock Exchange, Mumbai

BSR

-

Basic Statistical Returns

BTC

-

Bankers’ Training College

CA

-

Concurrent Audit

CAB

-

College of Agricultural Banking

CACP

-

Commission for Agricultural Costs and Prices

CAD

-

Current Account Deficit

CAMELS

-

Capital Adquacy, Asset Quality, Management, Earnings, Liquidity, Systems and Control

CAS

-

Central Account Section

CBDT

-

Central Board of Direct Taxes

CBLO

-

Collateralised Borrowing and Lending Obligation

CBS

-

Consolidated Banking Statistics

CBS

-

Core Banking Solutions

CC

-

Cubic Capacity

CCB

-

Central Co-operative Bank

CCC

-

Central Complaints Committee

CCIL

-

Clearing Corporation of India Limited

CCR

-

Counterfeit Currency Report

CCRS

-

Currency Chest Reporting System

CD

-

Certificate of Deposit

C-D

-

Currency-Deposit

CDBMS

-

Centralised Data Base Management System

CDOs

-

Collateralised Debt Obligations

CDR

-

Corporate Debt Restructuring

CDS

-

Credit Default Swap

CENVAT

-

Central Value Added Tax

CFMS

-

Centralised Funds Management System

CFSA

-

Committee on Financial Sector Assessment

CFT

-

Combating Financing of Terrorism

CGFTMSE

-

Credit Guarantee Fund Trust for Micro and Small Enterprises

CGRA

-

Currency & Gold Revaluation Account

CIC

-

Central Information Commission

CICs

-

Credit Information Companies

CIS

-

Commonwealth of Independent States

CMCPS

-

Compulsorily and Mandatorily Convertible Preference Shares

CMIS

-

Currency Management Information System

CoBoSAC

-

Corporate Bonds and Securitisation Advisory Committee

CODs

-

Central Office Departments

CoR

-

Certificate of Registration

CP

-

Commercial Paper

CPADS

-

Centralised Public Accounts Department System

CPC

-

Cheque Processing Centre

CPDO

-

Centralised Public Debt Office

CPFF

-

Commercial Paper Funding Facility

CPI

-

Consumer Price Index

CPI-AL

-

Consumer Price Index-Agricultural Labourers

CPI-RL

-

Consumer Price Index-Rural Labourers

CPI-IW

-

Consumer Price Index for Industrial Workers

CPIO

-

Central Public Information Officer

CPIs

-

Consumer Price Indices

CPMG

-

Corporate Performance Monitoring Group

CPPC

-

Central Pension Payment Cell

CPSEs

-

Central Public Sector Enterprises

CR

-

Contingency Reserve

CRAR

-

Capital to Risk-Weighted Assets Ratio

CRCS

-

Central Registar of Co-operative Societies

CRR

-

Cash Reserve Ratio

CSAA

-

Control Self Assessment Audit

CSD

-

Customer Services Department

CSF

-

Consolidated Sinking Fund

CSGL

-

Constituant Subsidiary General Ledger

CSO

-

Central Statistical Organisation

CTR

-

Cash Transaction Receipt

CTS

-

Cheque Truncation System

CTS

-

Complaint Tracking System

CVD

-

Countervailing Duty

CVPS

-

Currency Verification and Processing System

CWC

-

Central Water Commission

DAD

-

Deposit Accounts Department

DAP

-

District Agricultural Plan

DAPM

-

Department of Administration and Personnel Management

DBOD

-

Department of Banking Operations and Development

DBS

-

Department of Banking Supervision

DCC

-

District Consultative Committee

DCCB

-

District Central Cooperative Bank

DCM

-

Department of Currency Management

DEAP

-

Department of Economic Analysis and Policy

DEBC

-

Department of Expenditure and Budgetary Control

DEIO

-

Department of External Investments and Operations

DEPB

-

Duty Entitlement Pass Book

DGBA

-

Department of Government and Bank Accounts

DGCI & S

-

Directorate General of Commercial Intelligence and Statistics

DIC

-

District Industries Centre

DICGC

-

Deposit Insurance and Credit Guarantee Corporation

DIP

-

Disclosure and Investor Protection

DIT

-

Department of Information Technology

DMIS

-

Document Management Information System

DNBS

-

Department of Non-Banking Supervision

DOC

-

Department of Communication

DoT

-

Department of Telecommunication

DRG

-

Development Research Group

DRI

-

Differential Rate of Interest

DRT

-

Debt Recovery Tribunal

DS

-

Difference Stationary

DSB

-

Designated Settlement Banks

DSIM

-

Department of Statistics and Information Management

DvP

-

Delivery versus Payment

EACB

-

European Association of Co-operative Banks

EBT

-

Electronic Benefit Transfer

ECB

-

European Central Bank

ECBs

-

External Commercial Borrowings

ECGC

-

Export Credit Guarantee Corporation

ECR

-

Export Credit Refinance

ECS

-

Electronic Clearing Services

EEA

-

Exchange Equalisation Account

EEFC

-

Exchange Earners’ Foreign Currency

EFT

-

Electronic Funds Transfer

EMEs

-

Emerging Market Economies

EOU

-

Export Oriented Unit

EPCG

-

Export Promotion Capital Goods

ESOS

-

Employees Stock Option Scheme

EU

-

European Union

EXIM Bank

-

Export Import Bank

FAO

-

Food & Agriculture Organisation

FAQs

-

Frequently Asked Questions

FATF

-

Financial Action Task Force

FBT

-

Fringe Benefit Tax

FC

-

Financial Conglomerate

FCAs

-

Foreign Currency Assets

FCCB

-

Foreign Currency Convertible Bond

FCI

-

Food Corporation of India

FCNR(B)

-

Foreign Currency Non-Resident (Banks)

FDI

-

Foreign Direct Investment

FED

-

Foreign Exchange Department

FEDAI

-

Foreign Exchange Dealers’ Association of India

FI

-

Financial Institutions

FIEO

-

Federation of Indian Export Organisation

FIIs

-

Foreign Institutional Investors

FIPB

-

Foreign Investment Promotion Board

FITL

-

Funded Interest Term Loan

FIU-IND

-

Financial Intelligence Unit-India

FLCCs

-

Financial Literacy and Credit Counseling Centres

FMCG

-

Fast Moving Consumer Goods

FMD

-

Financial Markets Department

FOF

-

Flow of Funds

FPS

-

Focus Product Scheme

FRBM

-

Fiscal Responsibility and Budget Management

FRBs

-

Floating Rate Bonds

FRL

-

Full Reservoir Level

FRLs

-

Fiscal Responsibility Legislations

FSB

-

Financial Stability Board

FSF

-

Financial Stability Forum

FST

-

Financial Sector Technology

FVCIs

-

Foreign Venture Capital Investors

GCC

-

Gulf Cooperation Council

GCCs

-

General-purpose Credit Cards

GDP

-

Gross Domestic Product

GDRs

-

Global Depository Receipts

GFCE

-

Government Financial Consumption Expenditure

GFD

-

Gross Fiscal Deficit

GFSR

-

Global Financial Stability Report

GIPSA

-

General Insurer’s (Public Sector) Association of India

GoI

-

Government of India

GRF

-

Guarantee Redemption Fund

GSDP

-

Gross State Domestic Product

GST

-

Goods and Services Tax

HFCs

-

Housing Finance Companies

HLAC

-

High Level Advisory Committee

HLCCFM

-

High Level Coordination Committee on Financial Markets

HLG

-

High Level Group

HR

-

Human Resources

HRDD

-

Human Resources Development Department

HRMS

-

Human Resources Management System

HSUI

-

Housing Start Up Index

HTM

-

Held-to-Maturity

IAS

-

Integrated Accounting Systems

IASC

-

Inspection and Audit Sub-Committee

IBA

-

Indian Banks’ Association

ICAC

-

International Cotton Advisory Committee

ICAI

-

Institute of Chartered Accountants of India

ICAR

-

Indian Council for Agricultural Research

ICCOMS

-

Integrated Computerised Currency Operations and Management System

ICT

-

Information and Communication Technology

IDMD

-

Internal Debt Management Department

IDR

-

Indian Depository Receipt

IDRBT

-

Institute for Development & Research in Banking Technology

IEM

-

Industrial Entrepreneurs Memoranda

IES

-

Integrated Establishment System

IGIDR

-

Indira Gandhi Institute of Development Research

IIA

-

Institute of Internal Auditors

IIBM

-

Indian Institute of Bank Management

IIFCL

-

India Infrastructure Finance Company Limited

IIFT

-

Indian Institute of Foreign Trade

IIP

-

Index of Industrial Production

ILO

-

International Labour Organisation

IMA

-

Internal Models Approach

IMD

-

India Millennium Deposits

IMD

-

India Meteorological Department

IMF

-

International Monetary Fund

IMFC

-

International Monetary and Financial Committee

IODP

-

Integrated Officers Development Programmes

IPAs

-

Issuing and Paying Agents

IPCC

-

Inter-Govermental Panel on Climate Change

IPCs

-

Irrevocable Payment Commitments

IPDIs

-

Innovative Perpetual Debt Instruments

IPOs

-

Initial Public Offerings

IP-RR

-

Interest Payment - Revenue Receipt

IRB

-

Internal Ratings-Based

IRDA

-

Insurance Regulatory and Development Authority

IRFs

-

Interest Rate Futures

ISA

-

Information Systems Audit

ISACA

-

Information Systems Audit and Control Assessment

ISMS

-

Information Security Management System

ISO

-

International Organisation for Standardisation

IT

-

Information Technology

IT-BPO

-

Information Technology - Business Process Outsourcing

ITEs

-

Intra-Group Transactions and Exposures

IWMP

-

Integrated Watershed Management Programme

JLG

-

Joint Liability Group

JNNURM

-

Jawaharlal Nehru National Urban Renewal Mission

KCCs

-

Kisan Credit Cards

KVIBs

-

Khadi and Village Industries Boards

KVIC

-

Khadi and Village Industries Commission

KYC

-

Know Your Customer

LAF

-

Liquidity Adjustment Facility

LB

-

Lowest daily outstanding Balance

LCD

-

Liquid Crystal Display

LIBOR

-

London Inter-Bank Offer Rate

LOI

-

Letter of Intent

LPA

-

Long Period Average

MASI

-

Management Audit Systems Inspection

MAT

-

Minimum Alternate Tax

MCA

-

Ministry of Corporate Affairs

MBS

-

Mortgage Backed Securities

MF

-

Mutual Funds

MFDEF

-

Micro Finance Development and Equity Fund

MFDF

-

Micro Finance Development Fund

MFI

-

Micro Finance Institution

MICR

-

Magnetic Ink Character Recognition

MMA

-

Macro Management of Agriculture

MMBCS

-

Magnetic Media Based Clearing System

MMMFs

-

Money Market Mutual Funds

MMS

-

Multi Modal Settlements

MODVAT

-

Modified Value Added Tax

MoU

-

Memorandum of Understanding

MPD

-

Monetary Policy Department

MPI

-

Macro-Prudential Indicators

MPLS

-

Multi Protocol Label Switching

MSE-CDP

-

Micro and Small Enterprises Cluster Development Programme

MSEs

-

Micro and Small Enterprises

MSMEs

-

Micro, Small and Medium Enterprises

MSOE

-

Minimum Standards of Operational Efficiency

MSP

-

Minimum Support Price

MSS

-

Market Stabilisation Scheme

MTM

-

Mark-to-Market

NAB

-

New Arrangement to Borrow

NABARD

-

National Bank for Agriculture and Rural Development

NASSCOM

-

National Association of Software and Services Companies

NAV

-

Net Asset Value

NBFCs

-

Non-Banking Financial Companies

NBFC-D

-

Deposit taking NBFC

NBFC-ND

-

Non-deposit taking NBFC

NBFC-ND-SI

-

Systemically Important Non-deposit taking NBFC

NCR

-

National Capital Region

NBO

-

National Building Organisation

NDA

-

Net Domestic Asset

NDS

-

Negotiated Dealing Systems

NDS - OM

-

Negotiated Dealing System - Order Matching

NDTL

-

Net Demand and Time Liability

NECS

-

National Electronic Clearing System

NEFT

-

National Electronic Funds Transfer

NFS

-

National Financial Switch

NFA

-

Net Foreign Assets

NFSM

-

National Food Security Mission

NGO

-

Non-Government Organisation

NHB

-

National Housing Bank

NIBM

-

National Institute of Bank Management

NIC

-

National Informatics Centre

NIF

-

National Investment Fund

NIMSME

-

National Institute for Micro, Small and Medium Enterprises

NIPFP

-

National Institute of Public Finance and Policy

NOC

-

No Objection Certificate

NOF

-

Net Owned Funds

NPAs

-

Non-Performing Assets

NPCI

-

National Payments Corporation of India

NPS

-

New Pension Scheme

NRAA

-

National Rain Fed Area Authority

NREGS

-

National Rural Employment Guarantee Scheme

NR(E)RA

-

Non-Resident (External) Rupee Account

NRI

-

Non-Resident Indian

NRRDA

-

National Rural Road Development Agency

NSE

-

National Stock Exchange

NSM

-

Note Sorting Machine

NSSF

-

National Small Saving Fund

NSSO

-

National Sample Survey Organisation

OBCs

-

Other Backward Classs

OBE

-

Off- Balance Sheet Exposures

OD

-

Overdraft

OECD

-

Organisation for Economic Co-operation and Development

ODI

-

Offshore Derivative Instruments

OLTAS

-

Online Tax Accounting System

OMO

-

Open Market Operation

OMS

-

Open Market Sales

OPEC

-

Organisation for Petroleum Exporting Countries

ORFS

-

Online Returns Filing System

OSMOS

-

Off-Site Monitoring and Surveillance

OTC

-

Over-the-Counter

OTS

-

One-Time Settlement

PACS

-

Primary Agricultural Credit Socity

PAD

-

Public Accounts Department

PAN

-

Permanent Account Number

PCA

-

Prompt Corrective Action

PCPS

-

Perpetual Cumulative Preference Shares

PDs

-

Primary Dealers

PDI

-

Perpetual Debt Instruments

PDO

-

Public Debt Office

PDO-NDS

-

Public Debt Office - Negotiated Dealing System

PDS

-

Public Distribution System

PE

-

Private Equity

PFCE

-

Private Final Consumption Expenditure

PFRDA

-

Pension Fund Regulatory and Development Authority

PGPBF

-

Post Graduate Programme in Banking & Finance

PIT

-

Personal Income Tax

PMEGP

-

Prime Minister Employment Generation Programme

PMLA

-

Prevention of Money Laundering Act

PMRY

-

Prime Minister’s Rojgar Yojana

PNCPs

-

Perpetual Non-Cumulative Preference Shares

POL

-

Petroleum, Oil and Lubricants

PPP

-

Public Private Partnership

PSBs

-

Public Sector Banks

PSS Act

-

Payment & Settlement Systems Act

PSUs

-

Public Sector Undertakings

QCBS

-

Quality and Cost Based Selection

QIB

-

Qualified Institutional Buyer

QIP

-

Qualified Institutional Placement

QMS

-

Quality Management System

R&D

-

Research & Development

RBIA

-

Risk Based Internal Audit

RBSC

-

Reserve Bank Staff College

RCs

-

Reconstruction Companies

RCC

-

Regional Complaints Committee

RCS

-

Registar of Co-operative Societies

RE

-

Revised Estimates

REER

-

Real Effective Exchange Rate

REGP

-

Rural Employment Generation Programme

RIDF

-

Rural Infrastructure Development Fund

RKVY

-

Rashtriya Krishi Vikas Yojana

RNCPS

-

Redeemable Non-Cumulative Preference Shares

RoA

-

Return on Assets

ROE

-

Return on Equity

ROSC

-

Report on Observance of Standards and Codes

RPCD

-

Rural Planning and Credit Department

RRBs

-

Regional Rural Banks

RTGS

-

Real Time Gross Settlement

RTI

-

Right to Information

RTP

-

Reserve Tranche Position

SAARC

-

South Asian Association for Regional Co-operation

SACPs

-

Special Agricultural Credit Plans

SAD

-

Single Administrative Document

SDDS

-

Special Data Dissemination Standards

SAMIS

-

Service Area Monitoring and Information System

SAP

-

State Agricultural Plan

SARFAESI

-

Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest

SBI

-

State Bank of India

SC

-

Scheduled Caste

SCs

-

Securitisation Companies

SCB

-

Scheduled Commercial Bank

SDLs

-

State Development Loans

SDR

-

Special Drawing Rights

SEBI

-

Securities and Exchange Board of India

SEZs

-

Special Economic Zones

SFCs

-

State Finance Corporations

SFMS

-

Structured Financial Messaging System

SFURTI

-

Scheme for Fund for Regeneration of Traditional Industries

SGL

-

Subsidiary General Ledger

SHGs

-

Self-Help Groups

SIDBI

-

Small Industries Development Bank of India

SIFI

-

Systemically Important Financial Intermediaries

SIPS

-

Systemically Important Payment System

SITP

-

Scheme for Integrated Textile Parks

SIVs

-

Structured Investment Vehicles

SLAF

-

Second Liquidity Adjustment Facility

SLA(IC)

-

Sundry Liabilities Account (Interest Capitalisation)

SLB

-

Securities Lending and Borrowing

SLBC

-

State Level Bankers’ Committee

SLR

-

Statutory Liquidity Ratio

SMEs

-

Small and Medium Enterprises

SMO

-

Special Market Operations

SPMCIL

-

Security Printing and Minting Corporation of India Ltd.

SPV

-

Special Purpose Vehicle

SREP

-

Supervisory Review and Evaluation Process

SRMS

-

Self Employment Scheme for Rehabilitation of Manual Scavangers

SSS

-

Securities Settlement System

ST

-

Scheduled Tribe

StCB

-

State Co-operative Bank

STCRC

-

Short-Term Co-operative Rural Credit

STOs

-

State Treasury Offices

STR

-

Suspicious Transaction Report

STRIPS

-

Separate Trading for Registered Interest and Principal of Securities

TAC

-

Technical Advisory Committee

TAFCUBs

-

Task Force for Urban Co-operative Banks

TAG

-

Technical Advisory Group

TALF

-

Term Asset-Backed Securities Loan Facility

TFC

-

Twelfth Finance Commission

TFCI

-

Tourism Finance Corporation of India

TFP

-

Total Factor Productivity

TFTS

-

Trade for Trade Settlement

TIN

-

Tax Information Network

TMSM

-

Training Methods and Skills for Managers

TMT

-

Thermo Mechanically Treated

ToRs

-

Terms of References

TS

-

Trend Stationary

TUFS

-

Technology Upgraded Fund Scheme

UBD

-

Urban Banks Department

UCBs

-

Urban Cooperative Banks

UCNs

-

Uniform Code Numbers

UNDP

-

United Nations Developement Programme

UNICO

-

Umbrella Organisation for Large Cooperative Banks in Europe

UNDP

-

United Nations Development Programme

UNIDO

-

United Nations Industrial Development Organisation

UNME

-

Urban Non-Manual Employees

UTs

-

Union Territories

VAR

-

Vector Autoregression

VaR

-

Value at Risk

VKGUY

-

Vishesh Krishi Gram Udyog Yojana

VPN

-

Virtual Private Network

WADR

-

Weighted Average Discount Rate

WEO

-

World Economic Outlook

WMA

-

Ways and Means Advances

WPI

-

Wholesale Price Index

WSS

-

Weekly Statistical Supplement

WTO

-

World Trade Organisation

XBRL

-

eXtensible Business Reporting Language

XML

-

Extensible Markup Language

Y-o-Y

-

Year-on-Year

ZTC

-

Zonal Training Centre