| AA | Account Aggregator |
| AD | Authorised Dealer |
| AEs | Advanced Economies |
| AFS | Available for Sale |
| AGR | Alternate Grievance Redressal |
| AI | Artificial Intelligence |
| AIC | Akaike Information Criterion |
| AID | All-Inclusive Directions |
| AIFIs | All-India Financial Institutions |
| AMA | Advanced Measurement Approach |
| ANBC | Adjusted Net Bank Credit |
| API | Application Programming Interface |
| ARC | Asset Reconstruction Company |
| ARDL | Autoregressive Distributed Lag |
| ASA | Alternative Standardised Approach |
| ATM | Automated Teller Machine |
| BBPOUs | Bharat Bill Payment Operating Units |
| BBPS | Bharat Bill Payment System |
| BCs | Business Correspondents |
| BCBS | Basel Committee on Banking Supervision |
| BIA | Basic Indicator Approach |
| BIC | Business Indicator Component |
| BIS | Bank for International Settlements |
| bps | Basis Points |
| BR | Banking Regulation |
| CADs | Current Account Deficits |
| CAGR | Compound Annual Growth Rate |
| CASA | Current Account and Savings Account |
| CBDC | Central Bank Digital Currency |
| CBS | Core Banking Solution |
| CBUAE | Central Bank of the UAE |
| C-D | Credit-Deposit |
| CDs | Certificates of Deposits |
| CDS | Credit Default Swap |
| CEOBE | Credit Equivalent of Off Balance-sheet Exposure |
| CERT-In | Indian Computer Emergency Response Team |
| CET | Common Equity Tier |
| CIBIL | Credit Information Bureau (India) Limited |
| CIC | Core Investment Company |
| CLM | Co-Lending Model |
| CMBs | Cash Management Bills |
| CME | Capital Market Exposure |
| CoF | Card-on-File |
| CoR | Certificate of Registration |
| CRAR | Capital to Risk-Weighted Assets Ratio |
| CRE | Commercial Real Estate |
| CRE-RH | Commercial Real Estate-Residential Housing |
| CRILC | Central Repository of Information on Large Credits |
| CRPC | Centralised Receipt and Processing Centre |
| CRR | Cash Reserve Ratio |
| C-SOC | Cyber Security Operations Centre |
| CUG | Closed User Group |
| CVA | Credit Valuation Adjustment |
| DAY-NRLM | Deendayal Antyodaya Yojana - National Rural Livelihoods Mission |
| DBU | Digital Banking Unit |
| DCCBs | District Central Co-operative Banks |
| DICGC | Deposit Insurance and Credit Guarantee Corporation |
| DIF | Deposit Insurance Fund |
| DLA | Digital Lending Application |
| DLG | Default Loss Guarantee |
| DP | Discussion Paper |
| DPAW | Digital Payments Awareness Week |
| DPI | Digital Payments Index |
| DPI | Digital Public Infrastructure |
| D-SIBs | Domestic Systemically Important Banks |
| e-KYC | Electronic Know Your Customer |
| e₹-R | e₹ Retail |
| e₹-W | e₹ Wholesale |
| ECB | External Commercial Borrowing |
| EBPT | Earnings before Provisions and Taxes |
| ECL | Expected Credit Loss |
| ECLGS | Emergency Credit Line Guarantee Scheme |
| EMDEs | Emerging Market and Developing Economies |
| EMEs | Emerging Market Economies |
| EU | European Union |
| EXIM Bank | Export-Import Bank of India |
| FAR | Fully Accessible Route |
| FB | Foreign Bank |
| FCNR(B) | Foreign Currency Non-Resident (Bank) |
| FDI | Foreign Direct Investment |
| FIs | Financial Institutions |
| FII/ FI-Index | Financial Inclusion Index |
| FIP | Financial Inclusion Plan |
| FLW | Financial Literacy Week |
| FPC | Fair Practices Code |
| FPS | Fast Payment Systems |
| FRRR | Fixed Rate Reverse Repo |
| FSB | Financial Stability Board |
| FSWM | Financially Sound and Well- Managed |
| FVTPL | Fair Value through Profit and Loss |
| GCC | General Credit Card |
| GDP | Gross Domestic Product |
| GE | Government Effectiveness |
| GFC | Global Financial Crisis |
| G-NBFCs | Government-owned NBFCs |
| GNPA | Gross Non-Performing Assets |
| GSCs | Global Stablecoins |
| G-Secs | Government securities |
| G-SIBs | Global Systemically Important Banks |
| HFC | Housing Finance Company |
| HFSF | Hellenic Financial Stability Fund |
| HFT | Held for Trading |
| HQLAs | High Quality Liquid Assets |
| HTM | Held to Maturity |
| IBUs | IFSC Banking Units |
| ICAAP | Internal Capital Adequacy Assessment Process |
| ICCW | Interoperable Card-less Cash Withdrawal |
| ICD | Incremental Credit Deposit |
| I-CRR | Incremental Cash Reserve Ratio |
| I-D | Investment-Deposit |
| IDF-MF | Infrastructure Debt Fund-Mutual Fund |
| IDF-NBFCs | Infrastructure Debt Fund-NBFCs |
| IFC | International Finance Corporation |
| IFSC | International Financial Services Centre |
| IFRS | International Financial Reporting Standards |
| IGR | Internal Grievance Redressal |
| IIP | Index of Industrial Production |
| IIS | Investment in Securities |
| ILM | Internal Loss Multiplier |
| IME | Informal Micro Enterprises |
| IMF | International Monetary Fund |
| IO | Internal Ombudsman |
| IOs | International Organisations |
| IOSCO | International Organisation of Securities Commissions |
| IoT | Internet of Things |
| IPP | Instant Payment Platform |
| IRACP | Income Recognition, Asset Classification and Provisioning |
| IRB | Internal Rating-based |
| IRRBB | Interest Rate Risk in the Banking Book |
| ISSB | International Sustainability Standards Board |
| IT | Information Technology |
| JLGs | Joint Liability Groups |
| KCC | Kisan Credit Card |
| KYC | Know Your Customer |
| LABs | Local Area Banks |
| LAF | Liquidity Adjustment Facility |
| LCR | Liquidity Coverage Ratio |
| LEF | Large Exposure Framework |
| LEX | Large Exposures |
| LIBOR | London Interbank Offered Rate |
| LSP | Lending Service Provider |
| LR | Leverage Ratio |
| MAS | Monetary Authority of Singapore |
| MFs | Mutual Funds |
| MFIs | Micro Finance Institutions |
| MGC | Mortgage Guarantee Company |
| MIFOR | Mumbai Interbank Forward Outright Rate |
| MIS | Management Information Systems |
| ML | Machine Learning |
| MMFs | Money Market Funds |
| MMIFOR | Modified MIFOR |
| MoRD | Ministry of Rural Development |
| MoSPI | Ministry of Statistics and Program Implementation |
| MPC | Monetary Policy Committee |
| MSF | Marginal Standing Facility |
| MSMEs | Micro, Small and Medium Enterprises |
| MTM | Mark-to-Market |
| NABARD | National Bank for Agriculture and Rural Development |
| NaBFID | National Bank for Financing Infrastructure and Development |
| NARCL | National Asset Reconstruction Company Limited |
| NBFCs | Non-Banking Financial Companies |
| NBFC-AA | NBFC-Account Aggregator |
| NBFC-BL | NBFC-Base Layer |
| NBFC-D | Deposit-taking NBFCs |
| NBFC-ICC | NBFC-Investment and Credit Company |
| NBFC-IFC | NBFC-Infrastructure Finance Company |
| NBFC-MGC | NBFC-Mortgage Guarantee Company |
| NBFC-MFI | NBFC-Micro Finance Institution |
| NBFC-ML | NBFC-Middle Layer |
| NBFCs-ND | Non-Deposit taking NBFCs |
| NBFCs-ND-SI | Non-Deposit taking Systemically Important NBFCs |
| NBFC-NOFHC | NBFC-Non-Operative Financial Holding Company |
| NBFC-P2P | NBFC-Peer to Peer Lending Platform |
| NBFC-TL | NBFC-Top Layer |
| NBFC-UL | NBFC-Upper Layer |
| NBFI | Non-Bank Financial Intermediation |
| NBFIs | Non-Banking Financial Institutions |
| NCCDs | Non-Centrally Cleared Derivatives |
| NCD | Non-Convertible Debenture |
| NCMC | National Common Mobility Card |
| NDDC | Non-deliverable Derivative Contract |
| NDTL | Net Demand and Time Liabilities |
| NED | Non-executive Director |
| NFB | Non-fund based |
| NFC | Near Field Communication |
| NGFS | Network for Greening the Financial System |
| NHB | National Housing Bank |
| NII | Net Interest Income |
| NIM | Net Interest Margin |
| NLP | Natural Language Processing |
| NNPA | Net Non-Performing Asset |
| NOF | Net Owned Funds |
| NPA | Non-Performing Asset |
| NPCI | National Payment Corporation of India |
| NPL | Non-Performing Loan |
| NRC | Nomination and Remuneration Committee |
| NRI | Non-Resident Indian |
| NSUCBs | Non-scheduled Urban Co-operative Banks |
| NSFI | National Strategy for Financial Inclusion |
| NSFR | Net Stable Funding Ratio |
| OEF | Open Ended Funds |
| OEIF | Online Export-Import Facilitators |
| OFIs | Other Financial Intermediaries |
| OPEC | Organization of the Petroleum Exporting Countries |
| OPGSPs | Online Payment Gateway Service Providers |
| ORBIOs | Offices of Reserve Bank of India Ombudsmen |
| ORC | Operational Risk Capital |
| OTC | Over-the-Counter |
| OTPs | One-time passwords |
| P2P | Person-to-Person/ Peer-to-Peer |
| P2M | Person-to-Merchant |
| PA | Payment Aggregator |
| PACS | Primary Agricultural Credit Societies |
| PAN | Permanent Account Number |
| PBs | Payments Banks |
| PCA | Prompt Corrective Action |
| PCARDBs | Primary Co-operative Agriculture and Rural Development Banks |
| PCR | Provision Coverage Ratio |
| PDs | Primary Dealers |
| PIDF | Payments Infrastructure Development Fund |
| PLIs | Prime Lending Institutions |
| PMJDY | Pradhan Mantri Jan Dhan Yojana |
| PoS | Point-of-Sale |
| PSBs | Public Sector Banks |
| PSL | Priority Sector Lending |
| PSLCs | Priority Sector Lending Certificates |
| PVBs | Private Sector Banks |
| RBI | Reserve Bank of India |
| RBIH | Reserve Bank Innovation Hub |
| RB-IOS | Reserve Bank – Integrated Ombudsman Scheme |
| RCs | Reconstruction Companies |
| RCBs | Rural Co-operative Banks |
| RCCs | Rural Credit Co-operatives |
| RDA | Rupee Drawing Arrangement |
| REs | Regulated Entities |
| RIDF | Rural Infrastructure Development Fund |
| RMCB | Risk Management Committee of the Board |
| RoA | Return on Assets |
| RoE | Return on Equity |
| RPA | Robotic Process Automation |
| RR | Reserve Ratio |
| RRBs | Regional Rural Banks |
| RSA | Restructured Standard Advances |
| RTGS | Real Time Gross Settlement |
| RWAs | Risk Weighted Assets |
| SARFAESI Act | Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest Act |
| SBR | Scale Based Regulation |
| SCs | Securitisation Companies |
| SCARDBs | State Co-operative Agriculture and Rural Development Banks |
| SCBs | Scheduled Commercial Banks |
| SDF | Standing Deposit Facility |
| SEBI | Securities and Exchange Board of India |
| SFBs | Small Finance Banks |
| SFT | Securities Financing Transactions |
| SGDP | State Gross Domestic Product |
| SGrBs | Sovereign Green Bonds |
| SHG – BLP | Self-Help Groups – Bank Linkage Programme |
| SHGs | Self-Help Groups |
| SIAM | Society of Indian Automobile Manufacturers |
| SIDBI | Small Industries Development Bank of India |
| SLF | Special Liquidity Facility |
| SLR | Statutory Liquidity Ratio |
| SMA | Special Mention Accounts |
| SMFs | Small and Marginal Farmers |
| SPDs | Standalone Primary Dealers |
| SRs | Security Receipts |
| SRO | Self-Regulatory Organisation |
| SSBs | Standard-Setting Bodies |
| SSOC | Sectoral Security Operations Centre |
| StCBs | State Co-operative Banks |
| SUCBs | Scheduled UCBs |
| TAT | Turnaround Time |
| TOT | Toll Operate Transfer |
| TR | Total Remuneration |
| TReDS | Trade Receivables Discounting System |
| TSA | The Standardised Approach |
| UAC | Udyam Assist Certificates |
| UAP | Udyam Assist Portal |
| UCBs | Urban Co-operative Banks |
| UPI | Unified Payments Interface |
| URC | Udyam Registration Certificate |
| URN | Udyam Registration Numbers |
| USD | U.S. Dollar |
| VP | Variable Pay |
| VRR | Variable Rate Repo |
| VRRR | Variable Rate Reverse Repo |
| WACR | Weighted Average Call Rate |
| WAPs | Weighted Average Premiums |
| WEO | World Economic Outlook |
| WG | Working Group |
| WGDL | Working Group on Digital Lending |
| WLAs | White Label ATMs |
| WOS | Wholly Owned Subsidiary |