AAY |
Antyodaya Anna Yojana |
ABCI |
Association of Business Communications of India |
ACB |
Audit Committee of Board |
AD |
Authorised Dealer |
ADF |
Asset Development Fund |
ADF |
Automated Data Flow |
ADR |
American Depository Receipts |
AEs |
Advanced Economies |
AFA |
Additional Factor of Authentication |
AFCs |
Asset Finance Companies |
AIFIs |
All India Financial Institutions |
AMS |
Audit Management System |
ANBC |
Adjusted Net Bank Credit |
APL |
Above Poverty Line |
APMC |
Agricultural Produce Marketing Committee |
APMS |
Asset Price Monitoring System |
ARCs |
Asset Restructuring Companies |
ARMS |
Audit and Risk Management Sub-Committee |
ATBs |
Auction Treasury Bills |
ATM |
Automated Teller Machine |
BAs |
Business Areas |
BBPCU |
Bharat Bill Payment Central Unit |
BBPOU |
Bharat Bill Payment Operating Unit |
BBPS |
Bharat Bill Payment System |
BC |
Business Correspondent |
BCBS |
Basel Committee on Banking Supervision |
BCM |
Bank for Currency Management |
BCM |
Business Continuity Management |
BCSBI |
Banking Codes and Standards Board of India |
BE |
Budget Estimates |
BFS |
Board for Financial Supervision |
BIS |
Bank for International Settlements |
BLRC |
Bankruptcy Law Reform Committee |
BO |
Banking Ombudsman |
BoJ |
Bank of Japan |
BoP |
Balance of Payments |
BPL |
Below Poverty Line |
BPLR |
Benchmark Prime Lending Rate |
BPR |
Business Process Re-engineering |
bps |
Basis Points |
BPSS |
Board for Regulation and Supervision of Payment and Settlement Systems |
BRBNMPL |
Bharatiya Reserve Bank Note Mudran Private Ltd. |
BRICS |
Brazil, Russia, India, China and South Africa |
BSBD |
Basic Savings Banking Deposit |
BSBDAs |
Basic Savings Bank Deposit Accounts |
BSR |
Basic Statistical Return |
CAB |
College of Agricultural Banking |
CAD |
Current Account Deficit |
CAFRAL |
Centre for Advanced Financial Research and Learning |
CAMELS |
Capital Adequacy, Asset Quality, Management, Earnings, Liquidity, Systems and Control |
CAP |
Corrective Action Plan |
CARG |
Compound Annual Rate of Growth |
CBLO |
Collateralised Borrowing and Lending Obligation |
CBS |
Core Banking Solution |
CBSE |
Central Board of Secondary Education |
CBSL |
Central Bank of Sri Lanka |
CCB |
Committee of the Central Board |
CCC |
Central Complaints Committee |
CCCB |
Counter-Cyclical Capital Buffer |
CCIL |
Clearing Corporation of India Ltd |
CCP |
Central Counter Party |
CCS |
Credit Condition Survey |
CCSO |
Chief Customer Service Officer |
CD |
Certificate of Deposit |
CD |
Credit Deposit |
CDR |
Corporate Debt Restructuring |
CDS |
Credit Default Swaps |
CEOBE |
Credit Equivalent Amount of Off-Balance Sheet Exposure |
CEPD |
Consumer Education and Protection Department |
CERSAI |
Central Registry of Securitisation Asset Reconstruction and Security Interest of India |
CES |
Consumer Expenditure Survey |
CFs |
Capital Funds |
CGFs |
Committee of Global Financial System |
CGRA |
Currency and Gold Revaluation Account |
CGTMSE |
Credit Guarantee Trust for Micro and Small Enterprises |
CHRS |
Comprehensive Human Resource System |
CICs |
Credit Information Companies |
CICs |
Core Investment Companies |
CIL |
Coal India Limited |
CIS |
Collective Investment Schemes |
CISO |
Chief Information Security Officer |
CIT |
Cash in Transit |
CLSS |
Credit Linked Subsidy Scheme |
CMBs |
Cash Management Bills |
CMD |
Chairman and Managing Director |
CODs |
Central Office Departments |
CP |
Commercial Paper |
CPC |
Cash Processing Centre |
CPC |
Cheque Processing Centre |
CPI |
Consumer Price Index |
CPIAL |
Consumer Price Index Agricultural Labourers |
CPIC |
Consumer Price Index Combined |
CPIS |
Co ordinated Portfolio Investment Survey |
CPMI |
Committee on Payments and Market Infrastructure |
CRA |
Contingent Reserve Arrangement |
CRAR |
Capital to Risk-Weighted Assets Ratio |
CRILC |
Central Repository of Information on Large Credits |
CRR |
Cash Reserve Ratio |
CS |
Currency Swaps |
CSBD |
Corporate Strategy and Budget Department |
CSF |
Consolidated Sinking Fund |
CSO |
Central Statistics Office |
CTS |
Cheque Truncation System |
CVA |
Credit Valuation Adjustment |
CVMs |
Coin Vending Machines |
DBIE |
Database on Indian Economy |
DBR |
Department of Banking Regulation |
DBS |
Department of Banking Supervision |
DBT |
Direct Benefit Transfer |
DCBR |
Department of Co-operative Bank Regulation |
DCBS |
Department of Co-operative Bank Supervision |
DCC |
Dynamic Currency Conversion |
DCCBs |
District Central Co-operative Banks |
DCCO |
Date of Commencement of Commercial Operations |
DCM |
Department of Currency Management |
DCs |
Data Centres |
DCS |
Department of Corporate Services |
DEA |
Depositor’s Education and Awareness |
DEIO |
Department of External Investments and Operations |
DEPR |
Department of Economic and Policy Research |
DGBA |
Department of Government and Bank Accounts |
DGCIS |
Directorate General of Commercial Intelligence and Statistics |
DICGC |
Deposit Insurance and Credit Guarantee Corporation |
DIF |
Deposit Insurance Fund |
DIMU |
Data and Information Management Unit |
DIT |
Department of Information Technology |
DNBR |
Department of Non-Banking Regulation |
DNBS |
Department of Non-Banking Supervision |
DoC |
Date of Commissioning |
DoC |
Department of Communication |
DOLS |
Dynamic Ordinary Least Square |
DPSS |
Department of Payment and Settlement Systems |
DRG |
Development Research Group |
DRHP |
Draft Red Herring Prospectus |
DRTs |
Debt Recovery Tribunals |
DSIBs |
Domestic Systemically Important Banks |
DSIM |
Department of Statistics and Information Management |
EBT |
Electronic Benefit Transfer |
ECA |
Essential Commodities Act |
ECB |
European Central Bank |
ECB |
External Commercial Borrowing |
ECCS |
Express Cheque Clearing System |
ECF |
Economic Capital Framework |
ECR |
Export Credit Refinance |
ECS |
Electronic Clearing Service |
EDMS |
Electronic Data Management System |
EDPMS |
Export Data Processing and Monitoring System |
EKP |
Enterprise Knowledge Portal |
email |
Electronic mail |
EMDEs |
Emerging Market and Developing Economies |
EME |
Emerging Market Economy |
EMV |
Europay, MasterCard and Visa |
EOI |
Expression of Interest |
EPC |
Engineering, Procurement and Construction |
ERE |
Exchange Rate Elasticity |
ERM |
Enterprise wide Risk Management |
ETCD |
Exchange Traded Currency Derivatives |
EU |
European Union |
EWS |
Early Warning System |
EXIM Bank |
Export Import Bank |
FAO |
Food and Agriculture Organisation |
FAQs |
Frequently Asked Questions |
FBIL |
Financial Benchmarks India Pvt. Ltd |
FCA |
Foreign Currency Assets |
FCCBs |
Foreign Currency Convertible Bonds |
FCI |
Food Corporation of India |
FCNR(B) |
Foreign Currency Non Resident (Bank) Account |
FCRA |
Foreign Currency Revaluation Account |
FCs |
Financial Conglomerates |
FCVA |
Forward Contracts Valuation Account |
FCY |
Foreign Currency |
FDI |
Foreign Direct Investment |
FDIC |
Federal Deposit Insurance Corporation |
FED |
Foreign Exchange Department |
FEDAI |
Foreign Exchange Dealers' Association of India |
FEMA |
Foreign Exchange Management Act |
FI |
Financial Institution |
FIAC |
Financial Inclusion Advisory Committee |
FICN |
Fake Indian Currency Notes |
FIDD |
Financial Inclusion and Development Department |
FII |
Foreign Institutional Investor |
FIMMDA |
Fixed Income Money Market and Derivatives Association of India |
FIP |
Financial Inclusion Plan |
FIPB |
Foreign Investment Promotion Board |
FIT |
Flexible Inflation Targeting |
FLCs |
Financial Literacy Centers |
FMCG |
Fast Moving Consumer Goods |
FMD |
Financial Markets Department |
FMIs |
Financial Market Infrastructures |
FMOD |
Financial Markets Operations Department |
FMRD |
Financial Markets Regulation Department |
FOREX |
Foreign Exchange |
FPAS |
Forecasting and Policy Analysis System |
FPI |
Foreign Portfolio Investment |
FPOs |
Follow on Public Offers |
FRA |
Financial Resolution Authority |
FRA |
Forward Rate Agreement |
FRBM Act |
Fiscal Responsibility and Budget Management Act |
FSAP |
Financial Sector Assessment Programme |
FSB |
Financial Stability Board |
FSDC |
Financial Stability and Development Council |
FSLRC |
Financial Sector Legislative Reforms Commission |
FSR |
Financial Stability Report |
FSU |
Financial Stability Unit |
FSWM |
Financially Sound and Well Managed |
FTP |
Foreign Trade Policy |
FVCIs |
Foreign Venture Capital Investors |
FWG |
Framework Working Group |
FX |
Foreign Exchange |
GBP |
Great British Pound |
GCC |
General Credit Card |
GDP |
Gross Domestic Product |
GDR |
Global Depository Receipts |
GFCE |
Gross Final Consumption Expenditure |
GFCF |
Gross Fixed Capital Formation |
GFD |
Gross Fiscal Deficit |
GIFT |
Gujarat International Finance Tech City |
GJRHRS |
Golden Jubilee Rural Housing Refinance Scheme |
GMM |
Generalised Method of Moments |
GNDI |
Gross National Disposable Income |
GoI |
Government of India |
GRA |
Gold Revaluation Account |
GRF |
Guarantee Redemption Fund |
GRQ |
General Review of Quotas |
GSDP |
Gross State Domestic Product |
G-Secs |
Government Securities |
GSIBs |
Global Systemically Important Banks |
G-SII |
Global Systemically Important Insurer |
GST |
Goods and Services Tax |
GVA |
Gross Value Added |
GVC |
Global Value Chains |
HFA |
Housing for All |
HFCs |
Housing Finance Companies |
HPI |
House Price Index |
HQLAs |
High Quality Liquid Assets |
HRMD |
Human Resource Management Department |
HTM |
Held to Maturity |
HUF |
Hindu Undivided Family |
IADI |
International Association of Deposit Insurers |
IAERM |
Internal Audit and Enterprise Risk Management |
IBA |
Indian Banks’ Association |
IBL |
Inter Bank Liabilities |
IBS |
International Banking Statistics |
IBU |
IFSC Banking Unit |
ICBA |
Inter Central Bank Agreement |
ICDR |
Issue of Capital and Disclosure Requirements |
ICSD |
International Central Security Depositories |
ICT |
Information and Communication Technology |
IDFC |
Infrastructure Development Finance Company |
IDMD |
Internal Debt Management Department |
IDPMS |
Import Data Processing and Monitoring System |
IESH |
Inflation Expectation Survey of Households |
IFC |
Indian Financial Code |
IFCs |
Infrastructure Finance Companies |
IFRS |
International Financial Reporting Standards |
IFSC |
International Financial Services Centre |
IGIDR |
Indira Gandhi Institute of Development Research |
IIBM |
Indian Institute of Bank Management |
IIFC |
India Infrastructure Finance Company |
IIP |
Index of Industrial Production |
IIWG |
Investment and Infrastructure Working Group |
ILO |
International Labour Organisation |
IMD |
India Meteorological Department |
IMF |
International Monetary Fund |
IMPS |
Immediate Payment Service |
INR |
Indian Rupee |
InvITs |
Infrastructure Investment Trusts |
IOD |
Indian Ocean Dipole |
IORWG |
International Operational Risk Working Group |
IOS |
Industrial Outlook Survey |
IOSCO |
International Organisation of Securities Commission |
IP |
Internet Protocol |
IPOs |
Initial Public Offerings |
IPv6 |
Internet Protocol Version 6 |
IRA |
Investment Revaluation Account |
IRDA |
Insurance Regulatory and Development Authority |
IRF |
Inter Regulatory Forum |
IRFs |
Interest Rate Futures |
IRS |
Interest Rate Swap |
IRS |
Incident Reporting System |
IRTG |
Inter Regulatory Technical Group |
IS |
Information System |
ISHUP |
Interest Subsidy Scheme for Housing the Urban Poor |
ISOC |
Information Security Operations Centre |
ISS |
Integrated Security System |
IT |
Inflation Targeting |
IT |
Information Technology |
IT-BPO |
Information Technology Business Process Outsourcing |
ITBs |
Intermediate Treasury Bills |
ITF |
Implementation Task Force |
IT-PAN |
Income Tax - Permanent Account Number |
ITSC |
Information Technology Sub Committee |
JLF |
Joint Lenders Forum |
JLGs |
Joint Liability Groups |
JV |
Joint Venture |
KCC |
Kisan Credit Card |
KRA |
Key Result Area |
KYC |
Know Your Customer |
LABs |
Local Area Banks |
LAF |
Liquidity Adjustment Facility |
LBMA |
London Bullion Market Association |
LCR |
Liquidity Coverage Ratio |
LE |
Large Exposure |
LEI |
Legal Entity Identifier |
LLPs |
Liability Partnership Companies |
LOBOM |
Lower of Book or Market Value |
LOLR |
Lender of Last Resort |
LOU |
Local Operating Unit |
LPA |
Long Period Average |
LPG |
Liquefied Petroleum Gas |
LR |
Leverage Ratio |
LRS |
Liberalised Remittance Scheme |
LSE |
London School of Economics |
LTV |
Loan to Value Ratio |
M3 |
Money Supply |
MAT |
Minimum Alternate Tax |
MCA |
Ministry of Corporate Affairs |
MD |
Managing Director |
MDR |
Merchant Discount Rate |
MEIS |
Merchandise Exports from India Scheme |
MEP |
Minimum Export Price |
MFI |
Micro Finance Institution |
MGNREGA |
Mahatma Gandhi National Rural Employment Guarantee Act |
MI |
Market Intelligence |
MIBOR |
Mumbai Interbank Offer Rate |
MICR |
Magnetic Ink Character Recognition |
MIS |
Management Information System |
MMLR |
Market Maker of Last Resort |
MMRP |
Modified Mixed Reference Period |
MMS |
Mail Messaging System |
MNOs |
Mobile Network Operators |
MoSPI |
Ministry of Statistics and Programme Implementation |
MoU |
Memorandum of Understanding |
MPC |
Monetary Policy Committee |
MPD |
Monetary Policy Department |
MPR |
Monetary Policy Report |
MSEs |
Micro and Small Enterprises |
MSF |
Marginal Standing Facility |
MSMEs |
Micro, Small and Medium Enterprises |
MSPs |
Minimum Support Prices |
MT |
Million Tonnes |
MT |
Metric Tonne |
MTM |
Mark to Market |
MTSS |
Money Transfer Service Scheme |
MUDRA |
Micro Units Development Refinance Agency |
MW |
Mega Watt |
NAB |
New Arrangements to Borrow |
NABARD |
National Bank for Agriculture and Rural Development |
NACH |
National Automated Clearing House |
NAV |
Net Asset Value |
NBFC |
Non-Banking Financial Company |
NBFC-MFI |
NBFC-Micro Finance Institution |
NBFCs-D |
Deposit-taking NBFCs |
NBFCs-ND |
Non-Deposit taking NBFCs |
NBFCs-ND-SI |
Systemically Important NBFCs-ND |
NBV |
Net Book Value |
NCBs |
Non-Cooperative Borrowers |
NCDs |
Non-Convertible Debentures |
NCERT |
National Council of Education Research and Training |
NCLT |
National Company Law Tribunal |
NCM |
National Commission for Minorities |
NDA |
Net Domestic Assets |
NDS-OM |
Negotiated Dealing System-Order Matching |
NDTL |
Net Demand and Time Liabilities |
NECS |
National Electronic Clearing Service |
NEFT |
National Electronic Funds Transfer |
NEM |
Northeast Monsoon |
NFA |
Net Foreign Assets |
NFS |
National Financial Switch |
NHAI |
National Highways Authority of India |
NHB |
National Housing Bank |
NIBM |
National Institute of Bank Management |
NIC |
Notes in Circulation |
NIIF |
National Investment and Infrastructure Fund |
NIIP |
Net International Investment Position |
NIMs |
Net Interest Margins |
NM3 |
New Monetary Aggregate |
NOF |
Net Owned Fund |
NONG |
Non-Oil Non-Gold |
NPA |
Non-Performing Asset |
NPCI |
National Payments Corporation of India |
NPISH |
Non-Profit Institutions Serving Households |
NRIs |
Non-Resident Indians |
NRLM |
National Rural Livelihoods Mission |
NSDL |
National Securities Depository Limited |
NSDP |
Net State Domestic Product |
NSFR |
Net Stable Funding Ratio |
NSSO |
National Sample Survey Organisation |
NULM |
National Urban Livelihoods Mission |
NUUP |
National Unified USSD Platform |
OBCs |
Other Backward Classes |
OBS |
Off-Balance Sheet |
OD |
Overdraft |
ODI |
Overseas Direct Investment |
OECD |
Organisation for Economic Co-operation and Development |
OIS |
Overnight Index Swap |
OMO |
Open Market Operations |
OPEC |
Organisation of Petroleum Exporting Countries |
ORM |
Operational Risk Management |
OSMOS |
Off-Site Monitoring and Surveillance System |
OSS |
Off-Site Surveillance |
OTC |
Over-The-Counter |
OVD |
Officially Valid Document |
PA |
Provisional Accounts |
PAN |
Permanent Account Number |
PCA |
Prompt Corrective Action |
PDMA |
Public Debt Management Agency |
PDs |
Primary Dealers |
PDS |
Public Distribution System |
PFCE |
Private Final Consumption Expenditure |
PFCVA |
Provision for Forward Contracts Valuation Account |
PFMIs |
Principles for Financial Market Infrastructures |
PFMS |
Public Finance Management System |
PID |
Protection of Interests of Depositors’ |
PLF |
Plant Load Factor |
PMG |
Project Monitoring Group |
PMI |
Purchasing Managers Index |
PMJDY |
Pradhan Mantri Jan DhanYojana |
PMS |
Performance Management System |
POL |
Petroleum, Oil and Lubricants |
PoS |
Point of Sale |
PPI |
Pre-Paid Payment Instrument |
PPP |
Public-Private Partnership |
PSBs |
Public Sector Banks |
PSL |
Priority Sector Lending |
PSLCs |
Priority Sector Lending Certificates |
PSS Act |
Payment and Settlement Systems Act |
PSUs |
Public Sector Undertakings |
PvP |
Payment Versus Payment |
QE |
Quantitative Easing |
QFI |
Qualified Foreign Investor |
QIB |
Qualified Institutional Buyer |
QIP |
Qualified Institutional Placement |
R&D |
Research and Development |
RAF |
Risk Appetite Framework |
RBI |
Reserve Bank of India |
RBIA |
Risk Based Internal Audit |
RBIQ |
Reserve Bank of India Quiz |
RBIWPS |
Reserve Bank Working Paper Series |
RBS |
Risk Based Supervision |
RBSC |
Reserve Bank Staff College |
RCG |
Regional Consultative Group for Asia |
RCs |
Reconstruction Companies |
RD |
Revenue Deficit |
RDA |
Rupee Drawing Arrangement |
RECS |
Regional Electronic Clearing Service |
REITs |
Real Estate Investment Trusts |
RFCA |
Revaluation of Forward Contracts Account |
RFPI |
Registered Foreign Portfolio Investor |
RGS |
Risk Governance Structure |
RHF |
Rural Housing Fund |
RIDF |
Rural Infrastructure Development Fund |
RMD |
Risk Monitoring Department |
RoA |
Return on Assets |
ROC |
Regulatory Oversight Committee |
RoE |
Return on Equity |
ROs |
Regional Offices |
RRBs |
Regional Rural Banks |
RTGS |
Real Time Gross Settlement System |
RTI Act |
Right to Information Act |
RWA |
Risk Weighted Assets |
SAA |
Swap Amortisation Account |
SAARC |
South Asian Association for Regional Cooperation |
SARFAESI |
Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest |
SBIG |
Shadow Banking Implementation Group |
SBP |
State Bank of Pakistan |
SC |
Securitisation Company |
SCAV |
Standing Committee on Assessment of Vulnerabilities |
SCBs |
Scheduled Commercial Banks |
SCs |
Scheduled Castes |
SDF |
Special Drawing Facility |
SDLs |
State Development Loans |
SDR |
Special Drawing Rights |
SDR |
Strategic Debt Restructuring |
SDS |
Step Down Subsidiary |
SEBI |
Securities and Exchange Board of India |
SEIS |
Services Exports from India Scheme |
SEP |
Self-Employment Programme |
SEZs |
Special Economic Zones |
SF |
SAARCFINANCE |
SFT |
Securities Financing Transaction |
SGL |
Subsidiary General Ledger |
SHGs |
Self Help Groups |
SIA |
Secretariat Industrial Assistance |
SIBs |
Systemically Important Banks |
SICA |
Sick Industrial Companies (Special Provisions) Act |
SIDBI |
Small Industries Development Bank of India |
SIOS |
Services and Infrastructure Outlook Survey |
SJSRY |
Swarna Jayanti Shahari Rozgaar Yojana |
SLBCs |
State Level Bankers’ Committees |
SLCCs |
State Level Coordination Committees |
SLR |
Statutory Liquidity Ratio |
SMA |
Special Mention Accounts |
SMC |
Senior Management Committee |
SMS |
Short Message Service |
SNB |
Swiss National Bank |
SPMCIL |
Security Printing and Minting Corporation of India Limited |
SRC |
Standing Committee on Supervisory & Regulatory Co-operation |
SRs |
Security Receipts |
StCBs |
State Co-Operative Banks |
STOs |
State Treasury Offices |
STP |
Straight-Through-Processing |
STs |
Scheduled Tribes |
SWM |
Southwest Monsoon |
SWMA |
Special Ways and Means Advances |
TAC |
Technical Advisory Committee |
TACS |
Technical Advisory Committee on Surveys |
TAG |
Technical Advisory Group |
TC |
Technical Committee |
TLAC |
Total Loss-Absorbing Capacity |
TOLIC |
Town Official Language Implementation Committee |
TR |
Trade Repositories |
TReDS |
Trade Receivables Discounting System |
UBD |
Urban Banks Department |
UCBs |
Urban Co-Operative Banks |
UK |
United Kingdom |
UMP |
Unconventional Monetary Policy |
US |
United States |
USD |
US Dollar |
USSD |
Unstructured Supplementary Service Data |
UT |
Union Territory |
VAPT |
Vulnerability Assessment and Penetration Testing |
VARs |
Vector Auto-Regressions |
VC |
Video Conferencing |
VEC |
Vector Error Correction |
VIF |
Variance Inflation Factor |
WACR |
Weighted Average Call Money Rate |
WADR |
Weighted Average Discount Rate |
WADTDR |
Weighted Average Domestic Term Deposit Rate |
WAEIR |
Weighted Average Effective Interest Rate |
WALR |
Weighted Average Lending Rates |
WAR |
Weighted Average Rate |
WLAs |
White Label ATMs |
WMA |
Ways and Means Advances |
WOS |
Wholly Owned Subsidiary |
WPI |
Wholesale Price Index |
WSS |
Weekly Statistical Supplement |
XBRL |
eXtensible Business Reporting Language |
ZTC |
Zonal Training Centre |