ACU

-

Asian Clearing Union

AD

-

Authorised Dealer

ADR

-

Asset Development Reserve

AFI

-

Annual Financial Inspection

AIFIs

-

All India Financial Institutions

ALM

-

Asset Liability Management

AMA

-

Advanced Measurement Approach

AML

-

Anti Money Laundering

APG

-

Asia Pacific Group

APRs

-

Annual Performance Reports

AS

-

Accounting Standard

ASEAN

-

Association of South East Asian Nations

ASSOCHAM

-

The Associated Chambers of Commerce and Industry of India

ATM

-

Automated Teller Machine

BC

-

Business Correspondent

BCBS

-

Basel Committee on Banking Supervision

BCSBI

-

Banking Codes and Standards Board of India

BF

-

Business Facilitator

BFS

-

Board for Financial Supervision

BIS

-

Bank for International Settlements

BO

-

Banking Ombudsman

BPLR

-

Benchmark Prime Lending Rate

BPO

-

Business Process Outsourcing

BPSS

-

Board for Regulation and Supervision of Payment and Settlement Systems

BRBNMPL

-

Bharatiya Reserve Bank Note Mudran Private Limited

BSE

-

Bombay Stock Exchange

BWA

-

Broadband Wireless Access

CA

-

Concurrent Audit

CAB

-

College of Agricultural Banking

CAFL

-

Centre for Advanced Financial Learning

CAS

-

Central Account Section

CBLO

-

Colaterised Borrowing and Lending Obligation

CBS

-

Core Banking Solution

CCR

-

Counterfeit Currency Report

CCs

-

Currency Chests

CDs

-

Certificates of Deposit

CDBS

-

Currency Disintegration and Briquetting System

CDS

-

Credit Default Swaps

CFC

-

Customer Facilitation Centre

CFT

-

Combating Financing of Terrorism

CGFS

-

Committee on Global Financial System

CGRA

-

Currency and Gold Revaluation Account

CII

-

Confederation of Indian Industry

CMBs

-

Cash Management Bills

CNP

-

Card not Present

CoR

-

Certificate of Registration

COSMOS

-

Computerised Offsite Monitoring System

CP

-

Commercial Paper

CPADS

-

Centralised Public Accounts Department System

CPC

-

Cash Processing Centre

CPCs

-

Cheque Processing Centres

CPI

-

Consumer Price Index

CPIO

-

Chief Public Information Officer

CPSS

-

Committee on Payment and Settlement Systems

CR

-

Contingency Reserve

CRAR

-

Capital to Risk-Weighted Assets Ratio

CRCS

-

Central Registrar of Cooperative Societies

CRE

-

Commercial Real Estate Exposure

CRR

-

Cash Reserve Ratio

CSAA

-

Control Self Assessment Audit

CSF

-

Consolidated Sinking Fund

CSGL

-

Constituent Subsidiary General Ledger

CTS

-

Cheque Truncation System

CTS

-

Complaint Tracking Software

CVPS

-

Currency Verification and Processing System

DAD

-

Deposit Accounts Department

DAPM

-

Department of Administration and Personnel Management

DBIE

-

Database on Indian Economy

DBOD

-

Department of Banking Operations and Development

DBS

-

Department of Banking Supervision

DCCB

-

District Central Cooperative Bank

DCM

-

Department of Currency Management

DEAP

-

Department of Economic Analysis and Policy

DEBC

-

Department of Expenditure and Budgetary Control

DEIO

-

Department of External Investments and Operations

DGBA

-

Department of Government and Bank Accounts

DICGC

-

Deposit Insurance and Credit Guarantee Corporation

DIT

-

Department of Information Technology

DMIS

-

Document Management Information System

DNBS

-

Department of Non-Banking Supervision

DOC

-

Department of Communication

DPSS

-

Department of Payment and Settlement Systems

DR

-

Disaster Recovery

DRG

-

Development Research Group

DRI

-

Differential Rate of Interest

DSIM

-

Department of Statistics and Information Management

DTC

-

Direct Tax Code

DvP

-

Delivery versus Payment

EBT

-

Electronic Benefit Transfer

ECB

-

External Commercial Borrowing

ECS

-

Electronic Clearing Services

EEA

-

Exchange Equalisation Account

EFT

-

Electronic Fund Transfer

EKP

-

Enterprise Knowledge Portal

EMEs

-

Emerging Market Economies

EMS

-

Estate Management System

EPCG

-

Export Promotion Capital Goods

FATF

-

Financial Action Task Force

FCs

-

Financial Conglomerates

FCA

-

Foreign Currency Asset

FCCB

-

Foreign Currency Convertible Bond

FCI

-

Food Corporation of India

FCL

-

Flexible Credit Line

FDI

-

Foreign Direct Investment

FEDAI

-

Foreign Exchange Dealers’ Association of India

FEMA

-

Foreign Exchange Management Act

FICCI

-

Federation of Indian Chambers of Commerce and Industry

FIEO

-

Federation of Indian Export Organisations

FII

-

Foreign Institutional Investor

FIMMDA

-

Fixed Income Money Market and Derivatives Association of India

FIP

-

Financial Inclusion Plan

FIR

-

First Information Report

FIRC

-

First International Research Conference

FLCCs

-

Financial Literacy and Credit Counseling Centres

FMC

-

Financial Markets Committee

FMD

-

Financial Markets Department

FMS

-

Focus Market Scheme

FPS

-

Focus Product Scheme

FRAs

-

Forward Rate Agreements

FRBs

-

Floating Rate Bonds

FRBM

-

Fiscal Responsibility and Budget Management

FRLs

-

Fiscal Responsibility Laws

FSB

-

Financial Stability Board

FSDC

-

Financial Stability Development Council

FSI

-

Financial Soundness Indicator

FSR

-

Financial Stability Report

FSS

-

Farmers’ Service Societies

FSU

-

Financial Stability Unit

GCCs

-

General-purpose Credit Cards

GDP

-

Gross Domestic Product

GFCF

-

Gross Fixed Capital Formation

GFD

-

Gross Fiscal Deficit

GMRA

-

Global Master Repo Agreement

GoI

-

Government of India

GRF

-

Guarantee Redemption Fund

GSDP

-

Gross State Domestic Product

GST

-

Goods and Services Tax

HAPAs

-

High Access Precautionary Access

HLC

-

High Level Committee

HP

-

Hodrick Prescott

HRDD

-

Human Resources Development Department

HRMS

-

Human Resources Management System

HVC

-

High Value Clearing

IAS

-

Integrated Accounting System

IASs

-

Indian Accounting Standards

IAIS

-

International Association of Insurance Supervisors

IBA

-

Indian Banks Association

IBPC

-

Inter-Bank Participation Certificates

ICCL

-

Indian Clearing Corporation Limited

ICCOMS

-

Integrated Computerised Currency Operations and Management Systems

ICOR

-

Incremental Capital Output Ratio

ICT

-

Information and Communication Technology

IDMD

-

Internal Debt Management Department

IDR

-

Indian Depository Receipt

IDRBT

-

Institute for Development and Research in Banking Technology

IES

-

Integrated Establishment System

IFCs

-

Infrastructure Finance Companies

IFRSs

-

International Financial Reporting Standards

IGIDR

-

Indira Gandhi Institute of Development Research

IIBM

-

Indian Institute of Bank Management

IIP

-

Index of Industrial Production

ILO

-

International Labour Organisation

IMA

-

Internal Models Approach

IMF

-

International Monetary Fund

INFINET

-

Indian Financial Network

IOs

-

Inspecting Officers

IOSCO

-

International Organisation of Securities Commissions

IPO

-

Initial Public Offering

IRA

-

Investment Revaluation Account

IRB

-

Internal-Ratings Based

IRDA

-

Insurance Regulatory and Development Authority

IRS

-

Interest Rate Swaps

IS

-

Information Systems

ISO

-

International Organisation for Standardisation

IT

-

Information Technology

ITIL

-

Information Technology Infrastructure Library

IVRS

-

Interactive Voice Response System

KCCs

-

Kisan Credit Cards

KLEMS

-

Capital, Labour, Energy, Material and Services

LAF

-

Liquidity Adjustment Facility

LAMPS

-

Large Adivasi Multi-purpose Co-operative Societies

LAN

-

Local Area Network

LOBOM

-

Lower of Book Value or Market Price

LOLR

-

Lender of Last Resort

LPA

-

Long Period Average

MASI

-

Management Audit and Systems Inspection

MDB

-

Multilateral Development Bank

MFIs

-

Micro-Finance Institutions

MFs

-

Mutual Funds

MGNREGA

-

Mahatma Gandhi National Rural Employment Guarantee Act

MICR

-

Magnetic Ink Character Recognition

MLFPS

-

Market Linked Focus Product Scheme

MoU

-

Memorandum of Understanding

MMA

-

Macro Management of Agricultural Scheme

MMS

-

Mail Messaging Solution

MSEs

-

Micro and Small Enterprises

MSS

-

Market Stabilisation Scheme

MSMEs

-

Micro, Small and Medium Enterprises

MTFPS

-

Medium Term Fiscal Policy Statement

MTM

-

Mark-to-Market

NABARD

-

National Bank for Agriculture and Rural Development

NBFCs

-

Non-Banking Financial Companies

NCDs

-

Non-Convertible Debentures

NCPA

-

National Centre for Performing Arts

NCR

-

National Capital Region

NDS

-

Negotiated Dealing System

NDTL

-

Net Demand and Time Liabilities

NECS

-

National Electronic Clearing Service

NEFT

-

National Electronic Funds Transfer

NFSM

-

National Food Security Mission

NGO

-

Non-Government Organisation

NHB

-

National Housing Bank

NIBM

-

National Institute of Bank Management

NKA

-

Net Capital Account

NPA

-

Note Purchase Agreement

NPA

-

Non Performing Asset

NPCI

-

National Payments Corporation of India

NRI

-

Non Resident Indian

NREGA

-

National Rural Employment Guarantee Act

NSCCL

-

National Securities Clearing Corporation Limited

NSE

-

National Stock Exchange

NSM

-

Note Sorting Machines

NSSF

-

National Social Security Fund

ODI

-

Overseas Direct Investment

OECD

-

Organisation for Economic Co-operation and Development

OIS

-

Overnight Index Swap

OMO

-

Open Market Operation

OPEC

-

Organisation of the Petroleum Exporting Countries

ORFS

-

Online Returns Filing System

OSMOS

-

Offsite Monitoring System

OSS

-

Offsite Surveillance System

OTC

-

Over the Counter

OTS

-

One Time Settlement

PACS

-

Primary Agricultural Credit Societies

PAD

-

Public Accounts Department

PCR

-

Provisioning Coverage Ratio

PD

-

Primary Dealer

PDO

-

Public Debt Office

PDS

-

Public Distribution System

PDAI

-

Primary Dealers Association of India

PKI

-

Public Key Infrastructure

POS

-

Points of Sale

PRGT

-

Poverty Reduction and Growth Trust

PSLC

-

Priority Sector Lending Certificates

QIS

-

Quantitative Impact Assessment

RBIA

-

Risk Based Internal Audit

RBSC

-

Reserve Bank Staff College

RCS

-

Registrar of Cooperative Societies

RD

-

Revenue Deficit

RECS

-

Regional Electronic Clearing Service

RIDF

-

Rural Infrastructure Development Fund

RoA

-

Return on Assets

RoE

-

Return on Equity

RKVY

-

Rashtriya Krishi Vikas Yojana

RMA

-

Royal Monetary Authority

RMD

-

Resource Management Discussion

RRB

-

Regional Rural Bank

RTGS

-

Real Time Gross Settlement

RTP

-

Reserve Tranche Position

SAARC

-

South Asian Association for Regional Cooperation

SACP

-

Special Agricultural Credit Plan

SCB

-

Scheduled Commercial Bank

SCDs

-

Small Coin Depots

SDLs

-

State Development Loans

SDR

-

Special Drawing Right

SEBI

-

Securities and Exchange Board of India

SEZ

-

Special Economic Zone

SGL

-

Subsidiary General Ledger

SHG

-

Self-Help Group

SIDBI

-

Small Industries Development Bank of India

SIFIs

-

Systemically Important Financial Institutions

SIPS

-

Systemically Important Payment Systems

SLAF

-

Second Liquidity Adjustment Facility

SLR

-

Statutory Liquidity Ratio

SMEs

-

Small and Medium Enterprises

SPMCIL

-

Security Printing and Minting Corporation of India Ltd.

SPV

-

Special Purpose Vehicle

SREP

-

Supervisory Review and Evaluation Process

StCBs

-

State Co-operative Banks

STOs

-

Sub Treasury Offices

STRIPS

-

Separate Trading of Registered Interest and Principal of Securities

SWIPS

-

System-Wide Important Payment System

TAC

-

Technical Advisory Committee

TAG

-

Technical Advisory Group

TBs

-

Treasury Bills

TFP

-

Total Factor Productivity

TwFC

-

Twelfth Finance Commission

ThFC

-

Thirteenth Finance Commission

TSA

-

The Standardised Approach

UBD

-

Urban Banks Department

UCB

-

Urban Cooperative Bank

UID

-

Unique Identity

UIN

-

Unique Identification Number

VAR

-

Vector Autoregression

WMA

-

Ways and Means Advances

WOS

-

Wholly Owned Subsidiary

WPI

-

Wholesale Price Index

ZCYC

-

Zero Coupon Yield Curve

ZTC

-

Zonal Training Centre