AD: Authorized Dealer

ABM: Assistant Branch Manager

AEPS: Aadhaar Enabled Payments Switch

AFS: Annual Financial Statement

AGM: Annual General Meeting

ASSOCHAM: Associated Chambers of Commerce and Industry of India

AIF: Alternative Investment Fund

ADR: American Depository Receipt

AIC: Agricultural Insurance Company

ALM: Asset Liability Management

ARC: Asset Reconstruction Companies

ACS: Automated Clearing System

ADB: Asian Development Bank

ADF: Automated Data Flow

AMFL: Association of Mutual Funds in India

APBS: Aadhaar Payment Bridge System

ANBC: Adjusted Net Bank Credit

ACF: Auto Correlation Function

ABEDA: Arab Bank for Economic Development in Africa

AMRMS: Audit and Risk Monitoring Mechanism

ALCO: Asset Liability Committee

AMFI: Association of Mutual Fund in India.

ASBA: Application Supported by Blocked Account.

ATM: Automated Teller Machine

BSR: Basic Statistical Returns

BOP: Balance of Payments

BOE: Bill of Exchange

BOT: Build, Operate and Transfer

BSE: Bombay Stock Exchange

BR Act: Banking Regulations Act

BCBS: Basel Committee on Banking Supervision

BCSBI: Banking Codes and Standards board of India.

BIRD: Bankers Institute of Rural Development.

BIS: Bank for International Settlements.

BPLR: Benchmark Prime Lending Rate.

CAD: Capital Account Deficit.

CCIL: Clearing Corporation of India Limited

CASA: Current and Savings Account.

CDRS: Corporate Debt Restructuring

CMIS: Currency Management Information System

CPFF: Commercial Paper Funding Facility

COB: Corporation Bank

CAR: Capital Adequacy Ratio

CRR: Cash Reserve Ratio

CARE: Credit Analysis and Research Limited

CPI: Consumer Price Index

CBS: Core Banking Solutions

CCEA: Cabinet Committee on Economic Affairs.

CRILC: Central Repository of Information on Large Credits

CDR: Corporate Debt Restructuring

CSR: Corporate social responsibility

CRMD: Credit Risk Management Department

CA: Chartered Accountant

CBLO: Collateralized Bank Lending Obligations

CDS: Credit Default Swap

CECA: Comprehensive Economic Cooperation Agreement.

CRR: Cash Reserve Ratio

CNP: Card Not Present

CEPA: Comprehensive Economic Partnership Agreement.

CTI: Country Threat Index

CIBIL: Credit Information Bureau of India Limited.

CRAR: Capital to Risk-weighted Assets Ratio.

CRISIL: Credit Rating and Investment Services India Limited.

CRR: Cash Reserve Ratio.

DTAA: Double Taxation Avoidance Agreement.

DRAT: Debt Recovery Appellate Tribunal

DSCR: Debt Service Coverage Ratio

DPN: Demand Promissory Note

DPG: Deferred Payment Guarantee

DSCR: Debt Service Coverage Ratio

DRI: Differential Rate of Interest

EADB: East African Development Bank

ECBs: External Commercial Borrowings

ECS: Electronic Clearing System

EDI: Electronic Data Interchange

ELSS: Equity Linked Saving Scheme

EFTPOS: Electronic Funds Transfer At Point Of Sale

EEFC: Exchange Earners’ Foreign Currency

EPFO: Employees’ Provident Fund Organization

EDF: Export Development Fund

EDP: Entrepreneurship Development Programme

EPS: Earnings per Share

EFT: Electronic Fund Transfer

EIB: European Investment Bank

EMI: Equated Monthly Installments

FDI: Foreign Direct Investment

EXIM: Export Import Bank of India

EBRD: European Bank for Reconstruction and Development

FCNRA: Foreign Currency Nonresident Account

EPOS: Electronic Point Of Sale

FOB: Free On Board

FIMMDA: Fixed Income Money Markets and Derivatives Association

FDI: Foreign Direct Investment.

FICCI: Federation of Indian Chambers of Commerce and Industry

FEMA: Foreign Exchange Management Act

FERA: Foreign Exchange Regulation Act

FINO: Financial Inclusion Network Operation

FIPB: Foreign Investment Promotion Board

FPI: Foreign Portfolio Investment.

FRBMA: Fiscal Responsibility and Budget Management Act

FSLRC: Financial Sector Legislative Reforms Commission

FSRASC: Financial Sector Regulatory Appointment Search Committee

GDP: Gross Domestic Product

GAAR: General Anti Avoidance Rule

GIRO: Government Internal Revenue Order

GMS: Gold Monetization Scheme

GST: Goods and Service Tax

GSTN: Goods and Services Network

GNP: Gross National Product

HDFC: Housing Development Finance Corporation

IBA: Indian Bank Associations.

ICA: Indian Council of Agricultural Research

IIB: International Investment Bank

ICICI: Industrial Credit and Investment Corporation of India

ICRA: Indian Credit Rating Agency.

IRBI: Industrial Reconstruction Bank Of India

IPPB: India Post Payments Bank

IBRD: International Bank for Reconstruction and Development

IFSC: Indian Financial System Code

ISCI: International Standard Industrial Classification

IMPS: Immediate Payment Service

IMF: International Monetary Fund

IRDA: Insurance Regulatory and Development Authority of India

INFINET: Indian Financial Network

IPO: Initial Public Offering

IROs: Interest Rate Options

KYC: Know Your Customer

KCC: Kisan Credit Card

KMB: Kotak Mahindra Bank

KVB: Karur Vysya Bank

KVP: Kisan Vikas Patra

KVIC: Khadi and Village Industries Corporation

LIBOR: London Inter-Bank Offered Rate.

LAF: Liquidity Adjustment Facility

LAMPS: Large Sized Adivasi Multipurpose Societies

LIC: Life Insurance Company

LTCG: Long Term Capital Gains

MICR: Magnetic Ink Character Recognition.

MSF: Marginal Standing Facility.

MIS: Management Information System

MSS: Market Stabilization Scheme

MTN: Medium Term Note

MUDRA: Micro Units Development and Refinance Agency

NABARD: National Bank for Agriculture and Rural Development.

NDTL: Net Demand and Time Liabilities.

NEFT: National Electronic Fund Transfer.

NPA: Non-Performing Assets.

NDA: Net Domestic Asset

NDS: Negotiated Dealing Systems

NECS: Net Demand and Time Liability

NPCI: National Payments Corporation of India.

OCB: Overseas Corporate Bodies

OMO: Open Market Operations

OLTAS: Online Tax Accounting System

OTCEI: Over the Counter Exchange of India

PIN: Personal Identification Number.

PPP: Purchasing Power Parity/ Public Private Partnership.

PFRDA: Pension Fund Regulatory and Development Authority

PIS: Portfolio Investment Scheme

PRSF: Partial Risk Sharing Facility

PACS: Primary Agricultural Credit Societies

PSB: Public Sector Bank.

RTGS: Real Time Gross Settlement.

ROA: Return On Investment

RBI: Reserve Bank of India

RIDF: Rural Infrastructure Development Fund

SENSEX: Sensitive Index of Stock Exchange.

SIDBI: Small Industries Development Bank of India.

SLR: Statutory Liquidity Ratio.

SLRS: Scheme for Liberation and Rehabilitation of Scavengers

SIPS: Systematically Important Payment System

SPNS: Shared Payment Network System

SWIFT: Society for Worldwide Interbank Financial Telecommunication.

Tax: Information Network

UIDAI: Unique Identification Development Authority of India.

UTI: Unit Trust of India

UPIN: Unique Property Identification Numbers

USSD: Unstructured Supplementary Service Data

UPI: United Payment Interface.

WBCIS: Weather Based Crop Insurance Scheme

WCTL: Working Capital Term Loan

YTM: Yield To Maturity