A
| A/C – Account |
| ACLF – Additional Collateralised Lending Facility |
| ACS – Automated Clearing Systm. |
| AD – Authorized Dealer. |
| ADR – American Depository Receipt. |
| ADTV – Average Daily Trading Volume |
| AEPS – Aadhaar Enabled Payments System |
| AFS – Annual Financial Statement. |
| AGM – Annual General Meeting. |
| AIC – Agricultural Insurance Company. |
| AIDBs – All India Development Banks |
| AIFIs – All India Financial Institutions |
| ALCO – Asset Liability Committee |
| ALM – Asset Liability Management |
| AMFL – Association of Mutual Funds in India. |
| AML – Anti-Money Laundering |
| ANBC – Adjusted Net Bank Credit |
| APBS – Aadhaar Payment Bridge System |
| ARC – Asset Reconstruction Companies |
| ASBA – Application Supported by Blocked Amount |
| ASSOCHAM – Associated Chambers of Commerce and Industry of India. |
| ATM – Automated Teller Machine. |
B
| BACS – Bankers Automated Clearing System |
| BBR – Bank Base Rate |
| BCSBI – Banking Codes and Standards Board of India. |
| BFS – Board of Financial Supervision |
| BIRD – Bankers Institute of Rural Development |
| BIS – Bank for International Settlement |
| BO – Banking Ombudsman |
| BOB – Bank of Baroda |
| BOD – Board of Directors |
| BOE – Bill of Exchange |
| BOI – Bank of India |
| BOM – Bank of Maharashtra |
| BPLR – Benchmark Prime Lending Rate |
| BR Act – Banking Regulations Act, 1949. |
| BSCS – Basel Committee on Banking Supervision. |
| BSE – Bombay Stock Exchange. |
| BWR – Brickwork Rating |
C
| CA – Chartered Accountant. |
| CAAP – Capital Adequacy Assessment Process |
| CAMELS – Capital, Assets, Management, Earnings, Liquidity, and Systems and Control |
| CAR – Capital Adequacy Ratio |
| CARE – Credit Analysis and Research Limited |
| CASA – Current And Saving Account |
| CBI – Central Bank of India |
| CBLO – Collateralized Bank Lending Obligations |
| CBS – Core Banking Solution |
| CC – Cash Credit |
| CCB – Central Co-operative Bank |
| CCIL – Clearing Corporation of India Limited |
| CCL – Cash Credit Limit |
| CD – Certificate of Deposit |
| CD Ratio – Credit Deposit Ratio |
| CDBS – Committee of Direction on Banking Statistics. |
| CDR – Corporate Debt Restructuring |
| CDS – Credit Default Swap. |
| CFMS – Centralised Funds Management System |
| CFS – Committee on the Financial System |
| CHAPS – Clearing House Automated Payment System |
| CIBIL – Credit Information Bureau Of India Limited |
| CLB – Company Law Board |
| CLF – Collateralised Lending Facility |
| CMA – Collateral Management Agreement |
| CMIS – Currency Management Information System |
| CMP – Current Market Price |
| CPI – Consumer Price Index. |
| CPs – Commercial Papers. |
| CRAR – Capital to Risk-weighted Assets Ratio |
| CRILC – Central Repository of Information on Large Credits |
| CRISIL – Credit Rating And Investment Services India Limited |
| CRM – Customer Relationship Management |
| CRMD – Credit Risk Management Department. |
| CRR – Cash Reserve Ratio. |
| CSB – Catholic Syrian Bank |
| CUB – City Union Bank |
D
| DCCB – District Central Co-operative Bank |
| DD – Demand Draft |
| DFID – Department For International Development |
| DICGC – Deposit Insurance and Credit Guarantee Corporation |
| DIR – Differential Interest Rate |
| DNPD – Derivatives and New Products Departments |
| DPG – Deferred Payment Guarantee |
| DPN – Demand Promissory Note |
| DPs – Depository Participants |
| DRAT – Debt Recovery Appellate Tribunal |
| DRI – Differential Rate of Interest |
| DRT – Debt Recovery Tribunals |
| DSCR – Debt Service Coverage Ratio |
| DTAA – Double Taxation Avoidance Agreement. |
E
| ECB – External Commercial Borrowing |
| ECS – Electronic Clearing System. |
| ED – Enforcement Directorate |
| EDF – Export Development Fund |
| EDI – Electronic Data Interchange |
| EDP – Entrepreneurship Development Programme |
| EEFC – Exchange Earners’ Foreign Currency |
| EFT – Electronic Fund Transfer |
| EFTPOS – Electronic Funds Transfer At Point Of Sale |
| ELSS – Equity Linked Saving Scheme. |
| EMI – Equated Monthly Installment |
| EPFO – Employees’ Provident Fund Organisation |
| EPOS – Electronic Point Of Sale |
| EPS – Earning per Share |
| ESI – Employees’ State Insurance |
| ESOP – Employee Stock Options |
| EXIM – Export Import Bank of India. |
F
| FATCA – Foreign Account Tax Compliance Act |
| FATF – Financial Action Task Force |
| FCA – Foreign Currency Assets. |
| FCCB – Foreign Currency Convertible Bond |
| FCD – Fully Convertible Debentures |
| FCNR – Foreign Currency Non Resident Deposit Accounts |
| FD – Fixed Deposit |
| FDI – Foreign Direct Investment |
| FEDAI – Foreign Exchange Dealers Association Of India |
| FEMA – Foreign Exchange Management Act |
| FERA – Foreign Exchange Regulatory Act |
| FFA – Federal Financial Assistance |
| FFB – Federal Financing Bank |
| FICCI – Federation of Indian Chambers of Commerce and Industry. |
| FII – Foreign Institutional Investor. |
| FIMMDA – Fixed Income Money Market and Derivatives Association of India |
| FINO – Financial Information Network and Operation Limited |
| FIPB – Foreign Investment Promotion Board. |
| Fls – Financial Institutions |
| FPI – Foreign Portfolio Investment. |
| FRB – Federal Reserve Bank |
| FRBMA – Fiscal Responsibility and Budget Management Act |
| FSLRC – Financial Sector Legislative Reforms Commission |
| FSRASC – Financial Sector Regulatory Appointment Search Committee |
G
| GDP – Gross Domestic Product |
| GDR – Global Depository Receipt. |
| GFD – Gross Fiscal Deficit. |
| GIPSA – General Insurance Public Sector Association |
| GlC – General Insurance Corporation of India |
| GMS – Gold Monetisation Scheme |
| GNP – Gross National Product |
| GST – Goods and Services Tax |
| GSTN – Goods and Services Network |
H
| HDFC – Housing Development Finance Corporation. |
| HFCs – Housing Finance Companies |
| HSBC – Hong-Kong and Shanghai Banking Corporation |
| HUDCO – Housing and Urban Development Corporation |
I
| IB – Indian Bank |
| IBA – Indian Bank Association |
| IBBI – Insolvency and Bankruptcy Board of India |
| IBPS – Institute of Banking Personnel Selection. |
| IBRD – International Bank For Reconstruction And Development. |
| IBS – International Banking Statistics |
| IBU – International Banking Unit |
| ICFAI – Institute Of Chartered Financial Analysts Of India |
| ICICI – Industrial Credit and Investment Corporation of India |
| ICRA – Investment Information and Credit Rating Agency of India Limited |
| IDBI – Industrial Development Bank of India |
| IDFC – Infrastructure Development Finance Company |
| IDR – Indian Depository Receipts. |
| IEPF – Investors Education and Protection Fund |
| IFCI – Industrial Finance Corporation of India |
| IFSC – Indian Financial System Code |
| IIB – International Investment Bank. |
| IIBF – Indian Institute of Banking and Finance. |
| IIBI – Industrial Investment Bank of India |
| IIBM – Indian Institute of Bank Management |
| IIFCL – India Infrastructure Finance Company Limited |
| IMPS – Immediate Payment Service |
| IMT – Instant Money Transfer |
| INFINET – Indian Financial Network |
| INR – Indian Rupee |
| IOB – Indian Overseas Bank |
| IP – Internet Provider |
| IPO – Initial Public Offer |
| IPPB – India Post Payments Bank |
| IPSS – Integrated Payment and Settlement System |
| IRBI – Industrial Reconstruction Bank of India. |
| IRDA – Insurance Regulatory and Development Authority of India |
| IRDP – Integrated Rural Development Programme |
| IRE – Internal Rating Based |
| IROs – Interest rate options |
| IRR – Internal Rate of Return. |
| ISIN – International Securities Identification Number |
| ISO – International Standard Organisation |
J
| JLGs – Joint Liability Groups |
K
| KCC – Kisan Credit Card |
| KVB – Karur Vysya Bank. |
| KVIC – Khadi and Village Industries Corporation |
| KVP – Kisan Vikas Patra |
| KYC – Know Your Customer |
L
| LAF – Liquidity Adjustment Facility |
| LAN – Local Area Network |
| LCR – Liquidity Coverage Ratio |
| LIBOR – London Inter Bank Offered Rate. |
| LIC – Life Insurance Corporation Of India |
| LOC – Lines of Credit |
| LTCG – Long-Term Capital Gains |
M
| MCA – Ministry Of Company Affairs |
| MCLR – Marginal Cost Of Lending Rate |
| MFIs – Micro-Financial Institutions |
| MIBID – Mumbai Interbank Bid Rate |
| MIBOR – Mumbai Inter Bank Offer Rate. |
| MICR – Magnetic Ink Character Recognition |
| MIS – Management Information System |
| MPBF – Maximum Permissible Bank Finance |
| MUDRA – Micro Units Development and Refinance Agency |
N
| NABARD – National Bank for Agriculture and Rural Development |
| NAFCUB – National Federation of Urban Cooperative Banks and Credit Societies |
| NASDAQ – National Association For Securities Dealers Automated Quotations |
| NAV – Net Asset Value |
| NBC – Non Banking Companies. |
| NBFCs – Non Banking Finance Companies |
| NCC – National Clearing Cells |
| NDA – Net Domestic Asset |
| NDSAP – National Data Sharing and Accessibility Policy |
| NDTL – Net Demand And Time Liability |
| NECS – National Electronic Clearing System |
| NEFT – National Electronic Funds Transfer |
| NFA – No Frills Account. |
| NFS – National Financial Switch |
| NGO- Non Governmental Organisation |
| NHB – National Housing Bank |
| NIl – Net Interest Income |
| NPAs – Non Performing Assets. |
| NPCI – National Payments Corporation of India |
| NPS – National Pensions Scheme. |
| NPV – Net Present Value |
| NRE – Non Resident External Account |
| NRI – Non Resident Indian |
| NRNR – Non Resident Non Repatriable Term Deposit Account |
| NRO – Non Resident Ordinary Account |
| NRSR – Non Resident (Special) Rupee Account |
| NSE – National Stock Exchange. |
| NSFDC – National Scheduled Castes Finance And Development Corporation |
| NSIC – National Small Industries Corporation |
| NSS – National Savings Scheme |
O
| OBE – Off-Balance Sheet Exposures |
| OD -Overdraft |
| OLTAS – Online Tax Accounting System |
| OMO – Open Market Operations |
| OTCEI – Over the Counter Exchange Of India |
| OTP – One-Time Password |
| OTS – One-Time Settlement |
P
| PAN – Permanent Account Number |
| PBS – Projected Balance Sheet |
| PBT – Profit Before Tax |
| PCA – Prompt Corrective Action |
| PCARDB – Primary Cooperative Agriculture and Rural Development Bank |
| PCDs – Partly Convertible Debentures |
| PF – Provident Fund |
| PFRDA – Pension Fund Regulatory and Development Authority |
| PIN – Personal Identification Number |
| PIS – Portfolio Investment Scheme |
| PKI – Public Key Infrastructure |
| PLIs – Prime Lending Institutions |
| PLR – Prime Lending Rate |
| PMLA – Prevention of Money Laundering Act |
| PNB – Punjab National Bank |
| P-Notes – Participatory Notes |
| PO – Probationary Officer |
| POA – Power of Attorney |
| POS – Point of Sale |
| PPF – Public Provident Fund |
| PSBs – Public Sector Banks |
| PTCs – Pass-Through Certificates |
Q
| QIB – Qualified Institutional Bankers |
R
| RAROC – Risk-Adjusted Return On Capital |
| RBI – Reserve Bank of India |
| RCI – Refinance Corporation For Industry |
| RFC – Resident Foreign Currency |
| RIDF – Rural Infrastructure Development Fund |
| RML – Reverse Mortgage Loan |
| RoA – Return On Assets |
| ROC – Registration of Companies |
| RoE – Return On Equity |
| RRB – Regional Rural Bank. |
| RTGS – Real Time Gross Settlement |
| RWA – Risk Weighted Assets |
S
| SACs – Settlement Advisory Committees |
| SARFAESI – Securitization and Reconstruction of Financial Assets and Enforcement of Security Interest |
| SB – Saving Book |
| SBI – State Bank of India |
| SCB – Standard Chartered Bank |
| SDS – Special Deposit Scheme |
| SEBI – Securities and Exchange Board of India |
| SENSEX – Sensitive Index Of Stock Exchange |
| SEZs – Special Economic Zones |
| SFCs – State Financial Corporations |
| SFMS – Structured Financial Messaging Services |
| SGB – Sovereign Gold Bond |
| SGSY – Swarnajayanti Gram Swarojgar Yojana |
| SHG – Self Help Group |
| SIB – South Indian Bank |
| SIDBI – Small Industries Development Bank of India |
| SIP – Systematic Investment Plans |
| SJSRY – Swarna Jayanthi Shahari Rozgar Yojana |
| SLR – Statutory Liquidity Ratio |
| SLRS – Scheme for Liberation and Rehabilitation of Scavengers |
| SME – Small and Medium Industries |
| SMILE – SIDBI Make in India Loan for small Enterprises |
| SPY – Special Purpose Vehicle |
| SSI – Small Scale Industries |
| SSIDC – State Small Industries Development Corporation |
| STD – Short Term Deposit |
| STF – Short Term Finance |
| STP – Straight Through Processing |
| SWIFT – Society For Worldwide Interbank Financial Telecommunication |
| SWOT – Strength, Weaknesses, Opportunities And Threats |
T
| T/T – Telegraphic Transfer |
| TAN – Tax Deduction Account Number |
| TARC – Tax Administration Reform Commission |
| TDS – Tax Deducted at Source |
| TIN – Tax Information Network |
| TT – Telegraph Transfer |
U
| UBI – United Bank of India |
| UBIN – Unique Business Identification Number |
| UCB – Urban Cooperative bank |
| UEBA – Universal Electronic Bank Account. |
| UIC – Unique Identification Code |
| UIDAI – Unique Identification Development Authority of India |
| UPI – Unified Payments Interface |
| UTI – Unit Trust of India |
V
| VCFs – Venture Capital Funds |
| VPA – Virtual Payment Address |
| VRS – Voluntary Retirement Scheme |
W
| WCDL – Working Capital Demand Loan |
| WCTL – Working Capital Term Loan |
| WL ATM – White Label ATM. |
| WMA – Ways and Means Advances |
| WOS – Wholly Owned Subsidiary |
| WPI – Wholesale Price Index |
Y
| YTM – Yield to Maturity |