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Official Website of Reserve Bank of India
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دسمبر 29, 2025
List of Select Abbreviations
| AA | Account Aggregator |
| AAC | Advances against Commodities |
| ACB | Audit Committee of the Board |
| AD | Authorised Dealer |
| AePS | Aadhaar Enabled Payment System |
| AEs | Advanced Economies |
| AI | Artificial Intelligence |
| AID | All-inclusive Directions |
| AIFIs | All India Financial Institutions |
| AIFs | Alternative Investment Funds |
| AML | Anti-money Laundering |
| ANBC | Adjusted Net Bank Credit |
| APBS | Aadhaar Payment Bridge System |
| API | Application Programming Interface |
| ARCs | Asset Reconstruction Companies |
| ATMs | Automated Teller Machines |
| ATOs | AePS Touchpoint Operators |
| BCBS | Basel Committee on Banking Supervision |
| BC-ICT | Business Correspondents - Information and Communication Technology |
| BCs | Business Correspondents |
| BHIM | Bharat Interface for Money |
| BIS | Bank for International Settlement |
| bps | basis points |
| BSBDAs | Basic Savings Bank Deposit Accounts |
| BSE | Bombay Stock Exchange |
| CAB | Current Account Balance |
| CASA | Current Account and Savings Account |
| CBDC | Central Bank Digital Currency |
| CBS | Core Banking Solution |
| CCB | Capital Conservation Buffer |
| CCR | Counterparty Credit Risk |
| CD | Certificates of Deposit |
| CD | Credit-Deposit |
| CDS | Credit Default Swap |
| CEM | Current Exposure Method |
| CEOBSE | Credit Equivalent of Off-balance Sheet Exposures |
| CEOs | Chief Executive Officers |
| CEPCs | Consumer Education and Protection Cells |
| CEPD | Consumer Education and Protection Department |
| CET1 | Common Equity Tier 1 |
| CFLs | Centres for Financial Literacy |
| CICs | Credit Information Companies |
| CIs | Credit Institutions |
| CISBI | Central Information System for Banking Infrastructure |
| CLAs | Co-lending Arrangements |
| CMBs | Cash Management Bills |
| CME | Capital Market Exposure |
| CMS | Complaint Management System |
| CoR | Certificate of Registration |
| CP | Commercial Paper |
| CRAR | Capital to Risk-weighted Assets Ratio |
| CRE | Commercial Real Estate |
| CRILC | Central Repository of Information on Large Credits |
| CRM | Credit Risk Mitigation |
| CRPC | Centralised Receipt and Processing Centre |
| CRR | Cash Reserve Ratio |
| CTS | Cheque Truncation System |
| CVA | Credit Valuation Adjustment |
| DBIE | Database on Indian Economy |
| DBT | Direct Benefit Transfers |
| DCCBs | District Central Co-operative Banks |
| DDs | Demand Drafts |
| DICGC | Deposit Insurance and Credit Guarantee Corporation |
| DIP | Digital Intelligence Platform |
| DoT | Department of Telecommunications |
| DPI | Digital Public Infrastructure |
| DPIP | Digital Payments Intelligence Platform |
| DRTs | Debt Recovery Tribunals |
| EBT | Electronic Benefit Transfer |
| ECB | European Central Bank |
| ECBA | Eligibility Criteria for Business Authorisation |
| ECBs | External Commercial Borrowings |
| ECGC | Export Credit Guarantee Corporation of India |
| ECL | Expected Credit Loss |
| ECS | Electronic Clearance Service |
| EMDEs | Emerging Market and Developing Economies |
| EMEs | Emerging Market Economies |
| EMI | Equated Monthly Instalments |
| ERP | Enterprise Resource Planning |
| ETF | Exchange Traded Funds |
| EU | European Union |
| EXIM Bank | Export-Import Bank of India |
| FBs | Foreign Banks |
| FI | Financial Inclusion |
| FIPs | Financial Inclusion Plans |
| FIRE | Format for Incident Reporting Exchange |
| FIs | Financial Institutions |
| FPIs | Foreign Portfolio Investors |
| FREE-AI | Framework for Responsible and Ethical Enablement of Artificial Intelligence |
| FSB | Financial Stability Board |
| FSWM | Financially Sound and Well Managed |
| GCCs | General Credit Cards |
| GDP | Gross Domestic Product |
| GENIUS Act | Guiding and Establishing National Innovation for U.S. Stablecoins Act |
| GFC | Global Financial Crisis |
| GML | Gold Metal Loans |
| GNPA | Gross Non-performing Asset |
| G-sec | Government Securities |
| HFCs | Housing Finance Companies |
| HHI | Herfindahl Hirshman Index |
| HQLA | High-quality Liquid Assets |
| IAC | Independent Advisory Committee |
| IBBI | Insolvency and Bankruptcy Board of India |
| IBC | Insolvency and Bankruptcy Code |
| ICT | Information and Communication Technology |
| IDR | Insured Deposits Ratio |
| IFR | Investment Fluctuation Reserve |
| IFSC | Indian Financial System Code |
| IIS | Investment in Securities |
| IMF | International Monetary Fund |
| IMPS | Immediate Payment Service |
| INR | Indian Rupees |
| IO | Internal Ombudsman |
| IS | Information Systems |
| IT | Information Technology |
| ITE | Intra-group Transactions and Exposures |
| IWG | Internal Working Group |
| JLGs | Joint Liability Groups |
| KCCs | Kisan Credit Cards |
| KYC | Know Your Customer |
| LABs | Local Area Banks |
| LAF | Liquidity Adjustment Facility |
| LCR | Liquidity Coverage Ratio |
| LEF | Large Exposures Framework |
| LSPs | Lending Service Providers |
| LTV | Loan-to-Value |
| MAS | Monetary Authority of Singapore |
| MDs | Managing Directors |
| MFIN | Microfinance Industry Network |
| MFIs | Microfinance Institutions |
| MFs | Mutual Funds |
| MiCA | Markets in Crypto-Assets |
| ML | Machine Learning |
| MPC | Monetary Policy Committee |
| MPFI | Monitoring Progress of Financial Inclusion |
| MSEs | Micro and Small Enterprises |
| MSF | Marginal Standing Facility |
| MSME | Micro, Small and Medium Enterprises |
| NABARD | National Bank for Agriculture and Rural Development |
| NaBFID | National Bank for Financing Infrastructure and Development |
| NACH | National Automated Clearing House |
| NAFSCOB | National Federation of State Co-operative Banks Ltd. |
| NBFC-AA | Non-Banking Financial Company - Account Aggregator |
| NBFC-BL | Non-Banking Financial Company - Base Layer |
| NBFC-CIC | Non-Banking Financial Company - Core Investment Company |
| NBFC-ICC | Non-Banking Financial Company - Investment and Credit Company |
| NBFC-IDF | Non-Banking Financial Company - Infrastructure Debt Finance |
| NBFC-IFC | Non-Banking Financial Company - Infrastructure Finance Company |
| NBFC-MFIs | Non-Banking Financial Companies - Microfinance Institutions |
| NBFC-MGC | Non-Banking Financial Company - Mortgage Guarantee Company |
| NBFC-ML | Non-Banking Financial Company - Middle Layer |
| NBFC-NOFHC | Non-Banking Financial Company - Non-Operative Financial Holding Company |
| NBFCs | Non-Banking Financial Companies |
| NBFCs-D | Deposit-taking NBFCs |
| NBFCs-P2P | Non-Banking Financial Companies - Peer to Peer |
| NBFC-UL | Non-Banking Financial Company- Upper Layer |
| NBFIs | Non-bank Financial Intermediaries |
| NBFIs | Non-Banking Financial Institutions |
| NCFE | National Centre for Financial Education |
| NCLTs | National Company Law Tribunals |
| NDTL | Net Demand and Time Liabilities |
| NDS-OM | Negotiated Dealing System-Order Matching |
| NEFT | National Electronic Funds Transfer |
| NETC | National Electronic Toll Collection |
| NFB | Non-fund based |
| NHB | National Housing Bank |
| NII | Net Interest Income |
| NIM | Net Interest Margin |
| NNPA | Net Non-Performing Asset |
| NPA | Non-Performing Asset |
| NPCI | National Payments Corporation of India |
| NPL | Non-Performing Loans |
| NRC | Nomination and Remuneration Committee |
| NRO | Non-resident Ordinary |
| NSE | National Stock Exchange |
| NSFI | National Strategy for Financial Inclusion |
| NSFR | Net Stable Funding Ratio |
| OD | Overdraft |
| OECD | Organisation for Economic Co-operation and Development |
| OMO | Open Market Operation |
| ORBIOs | Offices of the Reserve Bank of India Ombudsman |
| OTP | One-time Password |
| OTS | One-time Settlement |
| P2M | Peer-to-Merchant |
| PA | Payment Aggregator |
| PACS | Primary Agriculture Credit Societies |
| PBs | Payment Banks |
| PCARDBs | Primary Co-operative Agriculture and Rural Development Banks |
| PCE | Partial Credit Enhancement |
| PCR | Provision Coverage Ratio |
| PDs | Primary Dealers |
| PFE | Potential Future Exposure |
| PFIs | Public Financial Institutions |
| PLR | Prime Lending Rate |
| PMJDY | Pradhan Mantri Jan-Dhan Yojana |
| PPI | Prepaid Payment Instrument |
| PRAVAAH | Platform for Regulatory Application, Validation and AutHorisation |
| PSBs | Public Sector Banks |
| PSL | Priority Sector Lending |
| PSLCs | Priority Sector Lending Certificates |
| PVBs | Private Sector Banks |
| PwD | Persons with Disability |
| QA | Qualifying Asset |
| QR | Quick Response |
| RB-CRIS | Reserve Bank – Climate Risk Information System |
| RBI | Reserve Bank of India |
| RBI-DPI | Reserve Bank of India-Digital Payments Index |
| RB-IOS | Reserve Bank - Integrated Ombudsman Scheme |
| RCB | Rural Co-operative Banks |
| RCCs | Rural Credit Co-operatives |
| REE | Real Estate Exposure |
| REs | Regulated Entities |
| RMCB | Risk Management Committee of Board |
| RoA | Return on Assets |
| RoE | Return on Equity |
| RRBs | Regional Rural Banks |
| RSA | Restructured Standard Advances |
| RSETIs | Rural Self Employment Training Institutes |
| RTGS | Real Time Gross Settlement |
| SA-CCR | Standardised Approach for Counterparty Credit Risk |
| SARFAESI | Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest |
| SCARDBs | State Co-operative Agriculture and Rural Development Banks |
| SCB | Scheduled Commercial Bank |
| SDF | Standing Deposit Facility |
| SEBI | Securities and Exchange Board of India |
| SFBs | Small Finance Banks |
| SHG | Self Help Group |
| SHG-BLP | Self-Help Group - Bank Linkage Programme |
| SIBC | Sector-wise and Industry-wise Bank Credit |
| SIDBI | Small Industries Development Bank of India |
| SLR | Statutory Liquidity Ratio |
| SMA | Special Mention Accounts |
| SMF | Small and Marginal Farmers |
| SMS | Short Message Service |
| SOP | Standard Operating Procedure |
| SPDs | Standalone Primary Dealers |
| SRO | Self-regulatory Organisation |
| SSE | Shared Service Entity |
| SSE | Sensitive Sector Exposure |
| SSPL | Sahakar Sarathi Private Limited |
| StCBs | State Co-operative Banks |
| T-bill | Treasury Bill |
| TRAI | Telecom Regulatory Authority of India |
| TReDS | Trade Receivables Discounting System |
| TREP | Triparty Repo |
| UAE | United Arab Emirates |
| UCBs | Urban Co-operative Banks |
| ULI | Unified Lending Interface |
| UMI | Unified Markets Interface |
| UPI | Unified Payments Interface |
| UTs | Union Territories |
| V-CIP | Video Customer Identification Process |
| VRR | Variable Rate Repo |
| VRRR | Variable Rate Reverse Repo |
| WACR | Weighted Average Call Rate |
| WEO | World Economic Outlook |
| Y-o-y | Year-on-year |
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