AACS

-

As Applicable to Co-operative Societies

ACLF

-

Additional Collateralised Lending Facility

ADR

-

American Depository Receipts

AIDB

-

All India Development Bank

AIFI

-

All India Financial Institution

ALM

-

Asset-Liability Management

AMC

-

Asset-Management Committee

AMPI

-

Aggregated Microprudential Indicator

ARF

-

Automatic Refinance Facility

ATM

-

Automated Teller Machine

BCBS

-

Basel Committee on Banking Supervision

BFS

-

Board for Financial Supervision

BIS

-

Bank for International Settlements

BPC

-

Best Practice Code

BR Act

-

Banking Regulation Act

BRBNML

-

Bharatiya Reserve Bank Note Mudran Ltd.

BSE

-

Bombay Stock Exchange

CACS

-

Capital Adequacy, Asset Quality, Compliance and Systems

CAMELS

-

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

CAR

-

Capital Adequacy Ratio

CC

-

Cash Credit

CCB

-

Central Co-operative Bank

CCIL

-

Clearing Corporation of India Ltd.

CD

-

Certificates of Deposit

C-D Ratio

-

Credit-Deposit Ratio

CDR

-

Corporate Debt Restructuring

CEO

-

Chief Executive Officer

CFMS

-

Centralised Funds Management System

CIB

-

Credit Information Bureau

CLB

-

Company Law Board

CLF

-

Collateralised Lending Facility

CoR

-

Certificate of Registration

CP

-

Commercial Paper

CPSS

-

Committee on Payment and Settlement Systems

CRA

-

Capital Reserve Account

CRAR

-

Capital to Risk-Weighted Assets Ratio

CRISIL

-

Credit Rating and Investment Services of India Ltd.

CRR

-

Cash Reserve Ratio

CVC

-

Central Vigilance Commission

DAD

-

Deposit Accounts Department

DCA

-

Department of Company Affairs

DFHI

-

Discount and Finance House of India

DFID

-

Department for International Development

DFI

-

Development Financial Institution

DICGC

-

Deposit Insurance and Credit Guarantee Corporation

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

ECS

-

Electronic Clearing Service

EL

-

Equipment Leasing

EPN

-

Entry Point Norms

FAQ

-

Frequently Asked Question

FBC

-

Foreign Branches Cell

FCNR

-

Foreign Currency Non-Resident

FDIC

-

Federal Deposit Insurance Corporation

FII

-

Foreign Institutional Investor

FI

-

Financial Institution

FRA

-

Forward Rate Agreement/ Financial Restructuring Authority

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

HPC

-

High Power Committee

HUDCO

-

Housing and Urban Development Corporation

HUF

-

Hindu Undivided Family

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

IFCI

-

Industrial Finance Corporation of India

IFRA

-

Investment Fluctuation Reserve Account

IIBI

-

Industrial Investment Bank of India

IMD

-

India Millennium Deposits

INFINET

-

Indian Financial Network

IOSCO

-

International Organisation of Securities Commissions

IPO

-

Initial Public Offering

IRB

-

Internal Rating Based

IRDA

-

Insurance Regulatory and Development Authority

IRDP

-

Integrated Rural Development Programme

IRS

-

Interest Rates Swaps

KCC

-

Kisan Credit Cards

KVIB

-

Khadi and Village Industries Board

LAB

-

Local Area Bank

LAF

-

Liquidity Adjustment Facility

LC

-

Loan Company/Letter of Credit

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

MBFC

-

Mutual Benefit Financial Company

MBS

-

Mortgage Backed Securities

MEI

-

Macroeconomic Indicator

MFDF

-

Micro Finance Development Fund

MF

-

Mutual Fund

MIBOR

-

Mumbai Inter-Bank Offer Rate

MICR

-

Magnetic Ink Character Recognition

MIS

-

Management Information System

MNBC

-

Miscellaneous Non-Banking Company

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

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

NSE

-

National Stock Exchange

OD

-

Overdraft

ODS

-

Ozone Depleting Substances

OSMOS

-

Off-Site Monitoring and Surveillance System

OTCEI

-

Over the Counter Exchange of India

PACS

-

Primary Agricultural Credit Society

PCA

-

Prompt Corrective Action

PCARDB

-

Primary Co-operative Agriculture and Rural Development Bank

PDO

-

Public Debt Office

PD

-

Primary Dealer

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

RALOO

-

Return on Assets and Liabilities of Overseas Offices

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 Swarojgar Yojana

SHG

-

Self Help Group

SHnDC

-

State Handicrafts Development Corporation

SIDBI

-

Small Industries Development Bank of India

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

TFCI

-

Tourism Finance Corporation of India

TRYSEM

-

Training of Rural Youth for Self Employment

UCB

-

Urban Co-operative Bank

UIB

-

Unincorporated Body

UTI

-

Unit Trust of India

VaR

-

Value at Risk

VRS

-

Voluntary Retirement Scheme

YTM

-

Yield to Maturity