AACS

–

As Applicable to Co-operative Societies

ACLF

–

Additional Collateralised Lending Facility

AD

–

Authorised Dealer

ADR

–

American Depository Receipt

AFS

–

Available for Sale

AIDB

–

All-India Development Bank

AIFI

–

All-India Financial Institution

ALCO

–

Asset-Liability Management Committee

ALM

–

Asset-Liability Management

AMA

–

Advanced Measurement Approach

AMC

–

Asset-Management Company

AMFI

–

Association of Mutual Funds of India

AML

–

Anti-Money Laundering

ARC

–

Asset Reconstruction Company

AS

–

Accounting Standard

ATM

–

Automated Teller Machine

BCBS

–

Basel Committee on Banking Supervision

BDIC

–

Bank Deposits Insurance Corporation

BFS

–

Board for Financial Supervision

BIFR

–

Board for Industrial and Financial Reconstruction

BIS

–

Bank for International Settlements

BR Act

–

Banking Regulation Act

BSR

–

Basic Statistical Return

CAMELS

–

Capital Adequacy, Asset Quality, Management, Earnings, Liquidity and Systems

CAR

–

Capital Adequacy Ratio

CBI

–

Central Bureau of Investigation

CC

–

Cash Credit

CCB

–

Central Co-operative Bank

CCEA

–

Cabinet Committee on Economic Affairs

CCIL

–

Clearing Corporation of India Ltd.

C-D Ratio

–

Credit-Deposit Ratio

CD

–

Certificates of Deposit

CDR

–

Corporate Debt Restructuring

CDSL

–

Central Depository Securities (India) Ltd.

CFMS

–

Centralised Funds Management System

CFS

–

Consolidated Financial Statement

CIB

–

Credit Information Bureau

CIBIL

–

Credit Information Bureau of India Ltd.

CLB

–

Company Law Board

CLF

–

Collateralised Lending Facility

CoR

–

Certificate of Registration

CP

–

Commercial Paper

CPR

–

Consolidated Prudential Regulation

CPSS

–

Committee on Payment and Settlement Systems

CRAR

–

Capital to Risk-Weighted Assets Ratio

CRISIL

–

Credit Rating and Investment Services of India Ltd.

CRR

–

Cash Reserve Ratio

CSGL

–

Constituent’s Subsidiary General Ledger

CVC

–

Central Vigilance Commission

DAD

–

Deposit Accounts Department

DCA

–

Department of Company Affairs

DCCB

–

District Central Co-op. Bank

DFHI

–

Discount and Finance House of India

DFI

–

Development Financial Institution

DFID

–

Department for International Development

DICGC

–

Deposit Insurance and Credit Guarantee Corporation

DRAT

–

Debt Recovery Appellate Tribunal

DRE

–

Deferred Revenue Expenditure

DRI

–

Differential Rate of Interest

DRT

–

Debt Recovery Tribunal

DvP

Delivery versus Payment

DWCRA

–

Development of Women and Children in Rural Areas

ECAI

–

External Credit Assessment Institutions

ECB

–

External Commercial Borrowing

ECGC

–

Export Credit Guarantee Corporation of India Ltd.

ECR

–

Export Credit Refinance

ECS

–

Electronic Clearing Service

EFT

–

Electronic Funds Transfer

EL

–

Equipment Leasing

EPN

–

Entry Point Norms

EWS

–

Early Warning System

EXIM Bank

–

Export Import Bank of India

FCNR

–

Foreign Currency Non-Resident

FDI

–

Foreign Direct Investment

FDIC

–

Federal Deposit Insurance Corporation

FDICIA

–

Federal Deposit Insurance Corporation Improvement Act

FI

–

Financial Institution

FIMMDA

–

Fixed Income Money Market and Derivatives Association

FIPB

–

Foreign Investment Promotion Board

FRA

Forward Rate Agreement

FRB

–

Floating Rate Bond

FSAP

–

Financial Sector Assessment Programme

FSIs

–

Financial Soundness Indicators

GDP

–

Gross Domestic Product

GDR

–

Global Depository Receipt

GIC

–

General Insurance Corporation

GKY

–

Ganga Kalyan Yojana

GLC

–

General Line of Credit

HDFC

–

Housing Development Finance Corporation

HFT

–

Held for Trading

HKMA

–

Hong Kong Monetary Authority

HPC

–

High Power Committee

HTM

–

Held to Maturity

HUDCO

–

Housing and Urban Development Corporation

IAS

–

International Accounting Standard

IBRD

–

International Bank for Reconstruction and Development

IC

–

Investment Company

ICAI

–

Institute of Chartered Accountants of India

ICD

–

Inter-Corporate Deposit

IC-D

–

Investment plus Credit to Deposit

IDBI

–

Industrial Development Bank of India

IDFC

–

Infrastructure Development Finance Company

IDRBT

–

Institute for Development and Research in Banking Technology

IFR

–

Investment Fluctuation Reserve

IIBI

–

Industrial Investment Bank of India

IMD

–

India Millennium Deposits

IMF

–

Internationl Monetary Fund

INFINET

–

Indian Financial Network

IOSCO

–

International Organisation of Securities Commissions

IPO

–

Initial Public Offering

IRDA

–

Insurance Regulatory and Development Authority

IRDP

–

Integrated Rural Development Programme

IRS

–

Interest Rates Swap

KCC

–

Kisan Credit Card

KVIB

–

Khadi and Village Industries Board

KYC

–

Know Your Customer

LAB

–

Local Area Bank

LAF

–

Liquidity Adjustment Facility

LBS

–

Lead Bank Scheme

LC

–

Loan Company

LFAR

–

Long Form Audit Report

LHO

–

Local Head Office

LIBOR

–

London Inter-Bank Offer Rate

LIC

–

Life Insurance Corporation of India

LTO

–

Long-Term Operation

LTPLR

–

Long-Term Prime Lending Rate

MBC

–

Mutual Benefit Company

MBFC

–

Mutual Benefit Financial Company

MBS

–

Mortgage Backed Securities

MF

–

Mutual Fund

MIBOR

–

Mumbai Inter-Bank Offer Rate

MICR

–

Magnetic Ink Character Recognition

MIS

–

Management Information System

MLR

–

Minimum Lending Rate

MNBC

–

Miscellaneous Non-Banking Company

MPI

–

Macroprudential Indicators

MTPLR

–

Medium-Term Prime Lending Rate

MWS

–

Million Wells Scheme

NABARD

–

National Bank for Agriculture and Rural Development

NAV

–

Net Asset Value

NBC

–

Net Bank Credit

NBFC

–

Non-Banking Financial Company

NBV

–

Net Book Value

NCAER

–

National Council of Applied Economic Research

NCD

–

Non-Convertible Debenture

NDS

–

Negotiated Dealing System

NDTL

–

Net Demand and Time Liabilities

NGO

–

Non-Government Organisation

NHB

–

National Housing Bank

NOF

–

Net Owned Fund

NPA

–

Non-Performing Asset

NRNR

–

Non-Resident (Non-Repatriable)

NRO

–

Non – Resident (Ordinary)

NRSR

–

Non-Resident (Special) Rupee Account

NSDL

–

National Securities Depository Ltd.

NSE

–

National Stock Exchange

OD

–

Overdraft

OMO

–

Open Market Operation

OSMOS

–

Off-Site Monitoring and Surveillance System

OTCEI

–

Over the Counter Exchange of India

OTS

–

One-Time Settlement

PACS

–

Primary Agricultural Credit Society

PCA

–

Prompt Corrective Action

PCARDB

–

Primary Co-operative Agriculture and Rural Development Bank

PD

–

Primary Dealer

PDO

–

Public Debt Office

PKI

–

Public Key Infrastructure

PLR

–

Prime Lending Rate

PSB

–

Public Sector Bank

PSRS

–

Prudential Supervisory Reporting System

PSU

–

Public Sector Undertaking

PTLR

–

Prime Term Lending Rate

QIB

–

Qualified Institutional Buyer

QIS

–

Quantitative Impact Survey

RBI

–

Reserve Bank of India

RBS

–

Risk-Based Supervision

RCS

–

Registrar of Co-operative Societies

RIDF

–

Rural Infrastructure Development Fund

RKBY

–

Rashtriya Krishi Bima Yojana

RNBC

–

Residuary Non-Banking Company

RoA

–

Return on Asset

RRB

–

Regional Rural Bank

RTGS

–

Real-Time Gross Settlement

SAC

–

Settlement Advisory Committee

SACP

–

Special Agricultural Credit Plan

SAO

–

Seasonal Agricultural Operation

SBI

–

State Bank of India

SCA

–

Statutory Central Auditor

SCARDB

–

State Co-operative Agricultural and Rural Development Bank

SCB

–

Scheduled Commercial Bank

SEBI

–

Securities and Exchange Board of India

SFC

–

State Financial Corporation

SFMS

–

Structured Financial Messaging System

SGL

–

Subsidiary General Ledger

SGSY

–

Swarnajayanti Gram Swarozgar Yojana

SHCIL

–

Stock Holding Corporation of India Ltd.

SHG

–

Self Help Group

SIDBI

–

Small Industries Development Bank of India

SIDC

–

State Industrial Development Corporation

SITRA

–

Supply of Improved Toolkits to Rural Artisans

SLBC

–

State-Level Bankers Committee

SLR

–

Statutory Liquidity Ratio

SSI

–

Small-Scale Industry

StCB

–

State Co-operative Bank

STCI

–

Securities Trading Corporation of India

STPLR

–

Short-Term Prime Lending Rate

STRIPS

–

Separate Trading for Registered Interest and Principal of Securities

TAC

_

Technical Advisory Committee

TFCI

–

Tourism Finance Corporation of India

TRYSEM

–

Training of Rural Youth for Self Employment

UCB

–

Urban Co-operative Bank

UTI

–

Unit Trust of India

VaR

–

Value at Risk

VRS

–

Voluntary Retirement Scheme

WGWD

–

Working Group on Wilful Defaulters

YTM

–

Yield to Maturity

ZCB

–

Zero Coupon Bond