AAIFR

Appellate Authority for Industrial

BSE

Mumbai Stock Exchange

and Financial Reconstruction

ABS

Asset Backed Security

BSR

Basic Statistical Return

CALCS

Capital Adequacy, Asset Quality,

ACB

Audit Committee of the Board

Liquidity, Compliance and System

ACSTI

Agricultural Co-operative Staff

CAMELS

Capital Adequacy, Asset Quality,

Training Institute

Management, Earnings, Liquidity,

Systems and Control

AD

Authorised Dealer

CBDT

Central Board of Direct Taxes

ADR

American Depository Receipt

CBLO

Collateralised Borrowing and

Lending Obligation

AFI

Annual Financial Inspection

AFS

Available For Sale

CBS

Consolidated Banking Statistics

AIFI

All-India Financial Institution

CCB

Central Co-operative Bank

ALD

Aggregate Liabilities to the Depositor

CCIL

Clearing Corporation of India Ltd.

ALM

Asset-Liability Management

CCU

Corporate Credit Union

AMC

Asset Management Company

CD

Certificate of Deposit

AMPI

Aggregated Micro-Prudential

C-D Ratio

Credit Deposit Ratio

Indicators

APRA

Australian Prudential and

CDF

Co-operative Development Fund

Regulation Authority

CDR

Corporate Debt Restructuring

ASIC

Australian Securities and Investment

CFMS

Centralised Funds Management

ARC

Asset Reconstruction Company

ARCIL

Asset Reconstruction Company

CGFTSI

Credit Guarantee Fund Trust for

(India) Limited

AS

Accounting Standard

CIB

Capital Indexed Bond

ATM

Automated Teller Machine

CIBIL

Credit Information Bureau of (India)

Limited

BCBS

Basel Committee on Banking

CLF

Collateralised Lending Facility

Supervision

BFS

Board for Financial Supervision

CMP

Common Minimum Programme

BIFR

Board for Industrial and Financial

CoR

Certificate of Registration

Reconstruction

CP

Commercial Paper

BIS

Bank for International Settlements

CPI

Consumer Price Index

BOE

Bank of England

CPI-IW

Consumer Price Index for Industrial

worker

BPLR

Benchmark Prime Lending Rate

CPR

Consolidated Prudential Return

BPSS

Board for Payment and Settlement

CRA

Credit Reporting Agency

Systems

CRAR

Capital to Risk-weighted Assets Ratio

FCRB

Financial Companies Regulation Bill

CRISIL

Credit Rating and Investment

FDI

Foreign Direct Investment

Services (India) Limited

CRR

Cash Reserve Ratio

FEDAI

Foreign Exchange Dealers Association

CSGL

Constituent Subsidiary General

of India

Ledger

FEMA

Foreign Exchange Management Act

CVC

Central Vigilance Commission

FI

Financial Institution

DAP

Development Action Plan

FII

Foreign Institutional Investor

DCCB

District Central Co-operative Bank

FIMMDA

Fixed Income Money Market and

DDA

Designated Depository Agency

Derivatives Association of India

DFHI

Discount and Finance House of India

FRA

Forward Rate Agreement

DFI

Development Finance Institution

FSI

Financial Soundness Indicator

DICGC

Deposit Insurance and Credit

GCS

Gold Card Scheme

Guarantee Corporation

DNSS

Deferred Net Settlement System

GDP

Gross Domestic Product

GDR

Global Depository Receipt

DRAT

Debt Recovery Appellate Tribunal

GIC

General Insurance Corporation

DRI

Differential Rate of Interest

GLC

General Line of Credit

DRT

Debt Recovery Tribunal

GTB

Global Trust Bank

DTL

Demand and Time Liability

HFT

Held for Trading

DvP

Delivery versus Payment

HHI

Hirschman and Herfindhal Index

EBR

Export Bills Rediscounted

HNI

High Networth Individual

ECB

External Commercial Borrowing

HP

Higher Purchase

ECGC

Export Credit Guarantee Corporation

HTM

Held to Maturity

ECS

Electronic Clearing Service

IBA

Indian Banks’ Association

EDP

Electronic Data Processing

IBS

International Banking Statistics

EFT

Electronic Funds Transfer

ICAI

Institute of Chartered Accountants

of India

EL

Equipment Leasing

ICD

Inter Corporate Deposit

EOU

Export Oriented Unit

IDBI

Industrial Development Bank of

India

ESOP

Employee Stock Option

IDFC

Infrastructure Development Finance

EWS

Early Warning System

Company

EXIM Bank

Export Import Bank of India

IDRBT

Institute for Development and

Research in Banking Technology

FCCB

Foreign Currency Convertible Bond

IFCI

Industrial Finance Corporation of

FCNR

Foreign Currency Non-Resident

India

FCNR (B)

Foreign Currency Non-Resident

IFR

Investment Fluctuation Reserve

(Banks)

IIBI

Industrial Investment Bank of India

MoU

Memorandam of Understanding

Limited

IIP

Index of Industrial Production

MPI

Macro Prudential Indicator

IMCGC

India Mortgage Credit Guarantee

Corporation

MSS

Market Stabilisation Scheme

IMF

International Monetary Fund

MTSS

Money Transfer Service Scheme

INFINET

INdian FInancial NETwork

NABARD

National Bank for Agriculture and

Rural Development

NAFSCOB

National Federation of State

IRAC

Income Recognition and Asset

Classification

IRB

Internal Rating Based

NAV

Net Asset Value

IRF

Interest Rate Future

NBC

Net Bank Credit

IRS

Interest Rate Swap

NBFC

Non-Banking Financial Company

IT

Information Technology

JLG

Joint Liability Group

NCAER

National Council of Applied

Economic Research

JPC

Joint Parliamentary Committee

NCARDBF

National Co-operative Agriculture

and Rural Development Banks’

KCC

Kisan Credit Card

Federation

KYC

Know Your Customer

NCMDARDB

National Centre for Management

Development in Agriculture and

Rural Development Banking

^L3

LAB

Local Area Bank

NCUA

National Credit Union Administration

LAF

Liquidity Adjustment Facility

NCUSIF

National Credit Union Share

Insurance Fund

LBS

Locational Banking Statistics

LIBOR

London Inter-Bank Offered Rate

NDS

Negotiated Dealing System

LIC

Life Insurance Corporation of India

NDTL

Net Demand and Time Liability

LNJPF

Lok Nayak Jai Prakash Naryanan

NEFT

National Electronic Fund Transfer

Fund

^M3

NFS

National Financial Switch

MBC

Mutual Benefit Company

NGO

Non-Government Organisation

MBFC

Mutual Benefit Financial Company

NHB

National Housing Bank

MBS

Mortgage Backed Security

NIBM

National Institute of Bank

MEI

Macro Economic Indicator

Management

MFI

Micro Finance Institution

NMCE

National-level Multi Commodity

MIBOR

Mumbai Inter-Bank Offer Rate

Exchange

MICR

Magnetic Ink Character Recognition

NOF

Net Owned Fund

MISU

Market Intelligence and

NPA

Non-Performing Asset

NPC

National Payment Council

MNBC

Miscellaneous Non-Banking

Company

NRE

Non-Resident External

MOSSI

Ministry of Small-Scale Industry

NRI

Non-Resident Indian

NRNR

Non-Resident Non-Repatriable

QIS

Quantitative Impact Study

NRO

Non-Resident Ordinary Accounts

RBS

Risk Based Supervision

NRSR

Non-Resident Special Rupee

RCS

Registrar of Co-operative Societies

NSDL

National Securities Depository

RFC

Resident Foreign Currency

Limited

NSE

National Stock Exchange

RIB

Resurgent India Bond

NSS

National Settlement System

RIDF

Rural Infrastructural Development

Fund

OBC

Oriental Bank of Commerce

RNBC

Residuary Non-Banking Company

OBU

Off-shore Banking Unit

RoA

Return on Asset

OCB

Overseas Corporate Body

RoE

Return on Equity

OLTAS

Online Tax Accounting System

RRB

Regional Rural Bank

OMO

Open Market Operation

RTGS

Real Time Gross Settlement

OSMOS

Off-Site Monitoring and Surveillance

RWA

Risk Weighted Asset

System

OSS

Off-Site Surveillance System

SACP

Special Agricultural Credit Plan

SARFAESI

Securitisation and Reconstruction of

OTC

Over the Counter

Financial Assets and Enforcement of

OTCEI

Over the Counter Exchange of India

Security Interest

OTS

One Time Settlement

SASF

Stressed Asset Stabilisation Fund

SCARDB

State Co-operative Agricultural and

PAC

Public Accounts Committee

Rural Development Bank

PACS

Primary Agricultural Credit Society

SCB

Scheduled Commercial Bank

PAT

Profit After Tax

SGL

Subsidiary General Ledger

PBT

Profit Before Tax

SEBI

Securities and Exchange Board of

PCA

Prompt Corrective Action

PCARDB

Primary Co-operative Agricultural

SEFT

Special Electronic Funds Transfer

and Rural Development Bank

SFC

State Financial Corporation

PCFC

Pre-shipment Credit in Foreign

SFMS

Structured Financial Messaging

Currency

System

PD

Primary Dealer

SGSY

Swarn Jayanti Gram Swarojgar Yojna

PDAI

Primary Dealers Association of India

SHG

Self Help Group

PIS

Portfolio Investment Scheme

SHPI

Self-Help Promoting Institution

PLR

Prime Lending Rate

SICA

Sick Industrial Companies Act

PSB

Public Sector Bank

SIDBI

Small Industries Development Bank

of India

PSRS

Prudential Supervisory Reporting

System

SIDC

Small Industries Corporation

PSU

Public Sector Undertaking

SIPS

Systemically Important Payment

System

QIB

Qualified Institutional Buyer

SJSRY

Swarna Jayanti Shahari Rozgar

QII

Qualified Institutional Investor

Yojana

SLBC

State Level Bankers’ Committee

TFCI

Tourism Finance Corporation of

India

SLR

Statutory Liquidity Ratio

SLRS

Scheme of Liberation and

Rehabilitation of Scavengers

TUFS

Technology Upgradation Fund Scheme

SME

Small and Medium Enterprise

UBD

Urban Banks Department

SPV

Special Purpose Vehicle

UCB

Urban Co-operative Bank

SSI

Small Scale Industry

UTI

Unit Trust of India

StCB

State Co-operative Bank

VaR

Value-at-Risk

STCI

Securities Trading Corporation of

VRS

Voluntary Retirement Scheme

India Limited

STP

Straight Through Processing

VSAT

Very Small Aperture Terminal

STRIPS

Separate Trading for Registered

WADR

Weighted Average Discount Rate

Interest and Principal of Securities

TAMC

Thai Asset Management Company

YTM

Yield to Maturity