| AA | Account Aggregator |
| AACS | As Applicable to Co-operative Societies |
| ADR | American Depository Receipt |
| AE | Advanced Economy |
| AEPS | Aadhaar-Enabled Payment System |
| AFC | Asset Finance Company |
| AIC | Akaike Information Criteria |
| AIFI | All India Financial Institution |
| ALM | Asset Liability Management |
| AMC | Asset Management Company |
| AML / CFT | Anti-Money Laundering/ Combating the Financing of Terrorism |
| ANBC | Adjusted Net Bank Credit |
| AQR | Asset Quality Review |
| ARC | Asset Reconstruction Company |
| ATM | Automated Teller Machine |
| BC | Business Correspondent |
| BCBS | Basel Committee on Banking Supervision |
| BCP | Business Continuity Planning |
| BCSBI | Banking Codes and Standards Board of India |
| BFS | Board for Financial Supervision |
| BHIM | Bharat Interface for Money |
| BIRD | Bankers’ Institute of Rural Development |
| BIS | Bank for International Settlements |
| BO | Banking Ombudsman |
| BoE-CCS | Bank of England’s Credit Condition Survey |
| BRICS | Brazil, Russia, India, China and South Africa |
| BSBDA | Basic Savings Bank Deposit Account |
| BSE | Bombay Stock Exchange |
| CAMELS | Capital Adequacy, Asset Quality, Management, Earnings, Liquidity, and Systems and Control |
| CAP | Corrective Action Plan |
| CAR | Capital to Assets Ratio |
| CARE | Credit Analysis and Research Limited |
| CASA | Current Account and Savings Account |
| CBR | Correspondent Banking Relationship |
| CBS | Core Banking Solution |
| CCB | Capital Conservation Buffer |
| CCC | Certified Credit Counsellor |
| CCCB | Counter-Cyclical Capital Buffer |
| CCP | Central Counterparty |
| CD | Certificate of Deposit |
| C-D Ratio | Credit to Deposit Ratio |
| CDIC | Canada Deposit Insurance Corporation |
| CDS | Credit Default Swap |
| CEPC | Consumer Education and Protection Cell |
| CET1 | Common Equity Tier-1 |
| CIC | Core Investment Company |
| CMB | Cash Management Bill |
| CMS | Complaint Management System |
| CoR | Certificate of Registration |
| CP | Commercial Paper |
| CPI | Consumer Price Index |
| CRAR | Capital to Risk-Weighted Assets Ratio |
| CRILC | Central Repository of Information on Large Credits |
| CRISIL | Credit Rating Information Services of India Limited |
| CRR | Cash Reserve Ratio |
| DCCB | District Central Co-operative Bank |
| DE | Designated Entity |
| DICGC | Deposit Insurance and Credit Guarantee Corporation |
| DNFBP | Designated Non-Financial Business and Profession |
| DRT | Debt Recovery Tribunal |
| DSR | Debt Service Ratio |
| DSTI | Debt-Service-to-Income |
| DTI | Debt-to-Income |
| EBPT | Earning Before Provisions and Taxes |
| ECL | Expected Credit Loss |
| ECS | Electronic Clearance Service |
| EMDE | Emerging Market and Developing Economy |
| EFD | Enforcement Department |
| EME | Emerging Market Economy |
| EoL | Exchange of Letter |
| ESDC | European Sovereign Debt Crisis |
| EURIBOR | Euro Interbank Offered Rate |
| EXIM Bank | Export Import Bank of India |
| FATF | Financial Action Task Force |
| FB | Foreign Bank |
| FC | Financial Conglomerate |
| FCCB | Foreign Currency Convertible Bond |
| FCNR(B) | Foreign Currency Non-Resident (Bank) |
| FI | Financial Institution |
| FII | Foreign Institutional Investor |
| FINCON | Financial Conglomerate Return |
| FIP | Financial Inclusion Plan |
| FMR | Fraud Monitoring Return |
| FOBAPROA | Fonda Bancario de Proteccion al Ahorro |
| FPI | Foreign Portfolio Investor |
| FPO | Follow-on Public Offer |
| FRDI | Financial Resolution and Deposit Insurance |
| FSB | Financial Stability Board |
| FSI | Financial Stability Institute |
| FSLRC | Financial Sector Legislative Reforms Commission |
| FSWM | Financially Sound and Well Managed |
| GCC | General Credit Card |
| GDP | Gross Domestic Product |
| GDR | Global Depository Receipt |
| GFC | Global Financial Crisis |
| GNPA | Gross Non-Performing Asset |
| G-secs | Government Securities |
| G-SIB | Global Systemically Important Bank |
| G-SII | Global Systemically Important Insurer |
| GST | Goods and Services Tax |
| HFC | Housing Finance Company |
| HKMA | Hong Kong Monetary Authority |
| HP | Hodrick-Prescott |
| HQ | Hannan-Quinn Information Criterion |
| HQLA | High Quality Liquid Assets |
| HRM | Human Resource Management |
| HTM | Held To Maturity |
| IAC | Internal Advisory Committee |
| IAIS | International Association of Insurance Supervisors |
| IBA | Indian Banks’ Association |
| IBBI | Insolvency and Bankruptcy Board of India |
| IBC | Insolvency and Bankruptcy Code |
| IRB | Interest Rate Benchmark |
| IC | Investment Company |
| ICAAP | Internal Capital Adequacy Assessment Process |
| ICRR | Incremental Cash Reserve Ratio |
| ICT | Information and Communications Technology |
| IDFC | Infrastructure Development Finance Corporation |
| IDF-NBFC | Infrastructure Debt Fund-Non- Banking Financial Company |
| IFC | Infrastructure Finance Company |
| IFRS | International Financial Reporting Standards |
| IFSC | Indian Financial System Code |
| IMF | International Monetary Fund |
| IMPS | Immediate Payment Service |
| Ind AS | Indian Accounting Standards |
| INFE | International Network on Financial Education |
| INFOMERICS | Integrated Financial Omnibus Metrics Research of International Corporate Systems |
| InvIT | Infrastructure Investment Trust |
| IOSCO | International Organisation of Securities Commissions |
| IPDI | Innovative Perpetual Debt Instruments |
| IRACP | Income Recognition, Asset Classification and Provisioning |
| IRDA | Insurance Regulatory and Development Authority |
| IRF | Inter Regulatory Forum |
| IRISc | Integrated Risk and Impact Scoring (Model) |
| IRRBB | Interest Rate Risk in the Banking Book |
| ISS | Interest Subvention Scheme |
| IT | Information Technology |
| JLF | Joint Lenders’ Forum |
| JLG | Joint Liability Group |
| JStCB | Jharkhand State Co-operative Bank |
| KA | Key Attribute |
| KAMCO | Korean Asset Management Company |
| KCC | Kisan Credit Card |
| KYC | Know Your Customer |
| LAB | Local Area Bank |
| LAF | Liquidity Adjustment Facility |
| LBS | Locational Banking Statistics |
| LC | Loan Company |
| LCR | Liquidity Coverage Ratio |
| LE | Large Exposures |
| LIBOR | London Inter-bank Offered Rate |
| LIC | Life Insurance Corporation of India |
| LOLR | Lender-of-Last-Resort |
| LR | Likelihood Ratio |
| LTD | Long-Term (Subordinated) Deposit |
| LTRCF | Long Term Rural Credit Fund |
| LTV | Loan-to-Value |
| MCLR | Marginal Cost of Funds based Lending Rate |
| MFI | Micro-Finance Institution |
| MGC | Mortgage Guarantee Company |
| MIS | Management Information System |
| MMF | Money Market Fund |
| MOSPI | Ministry of Statistics and Programme Implementation |
| MoU | Memorandum of Understanding |
| MPC | Monetary Policy Committee |
| MPR | Monetary Policy Report |
| MSC | Multi Service Centre |
| MSE | Micro and Small Enterprise |
| MSME | Micro, Small and Medium Enterprise |
| MSS | Market Stabilisation Scheme |
| NABARD | National Bank for Agriculture and Rural Development |
| NACH | National Automated Clearing House |
| NAFSCOB | National Federation of State Co-operative Banks Ltd. |
| NAMCABS | National Mission for Capacity Building of Bankers for Financing the MSME Sector |
| NAV | Net Asset Value |
| NBFC | Non-Banking Financial Company |
| NBFC-AA | Non-Banking Financial Company – Account Aggregator |
| NBFC-D | Non-Banking Financial Company – Deposit-taking |
| NBFC-IFC | Non-Banking Financial Company – Infrastructure Finance Company |
| NBFC-MFI | Non-Banking Financial Company – Micro Finance Institution |
| NBFC-ND | Non-Banking Financial Company – Non-Deposit taking |
| NBFC-ND-SI | Non-Deposit taking Systemically Important Non-Banking Financial Company |
| NBFC-P2P | Non-Banking Financial Company – Peer to Peer Lending Platform |
| NBFE | Non-Banking Financial Entity |
| NBFI | Non-Banking Financial Institution |
| NBNI G-SIFI | Non-Bank Non-Insurer Global Systemically Important Financial Institution |
| NCLAT | National Company Law Appellate Tribunal |
| NCLT | National Company Law Tribunal |
| NDS-OM | Negotiated Dealing System – Order Matching System |
| NDTL | Net Demand and Time Liabilities |
| NEDFi | North Eastern Development Finance Corporation Ltd. |
| NEFT | National Electronic Funds Transfer |
| NHB | National Housing Bank |
| NII | Net Interest Income |
| NIM | Net Interest Margin |
| NNPA | Net Non-Performing Asset |
| NOF | Net Owned Fund |
| NPA | Non-Performing Asset |
| NPCI | National Payments Corporation of India |
| NPL | Non-Performing Loan |
| NPS | National Pension System |
| NRA | National Risk Assessment |
| NRE | Non-Resident External Rupee |
| NRI | Non-Resident Indian |
| NRLM | National Rural Livelihoods Mission |
| NRNR | Non-Resident Non-Repatriable |
| NRO | Non-Resident Ordinary |
| NSCB | Non-Scheduled Co-operative Bank |
| NSE | National Stock Exchange |
| NSFR | Net Stable Funding Ratio |
| NSUCB | Non-Scheduled Urban Co-operative Bank |
| NULM | National Urban Livelihoods Mission |
| OBE | Off-Balance Sheet Exposure |
| OC | Overseeing Committee |
| OD | Overdraft |
| OECD | Organisation for Economic Co-operation and Development |
| OSFI | Office of the Superintendent of Financial Institutions |
| OTC | Over-the-Counter |
| OTP | One-Time Password |
| P2P | Peer-to-Peer |
| PACS | Primary Agricultural Credit Societies |
| PAT | Profit After Tax |
| PB | Payments Bank |
| PBT | Profit Before Tax |
| PCA | Prompt Corrective Action |
| PCARDB | Primary Co-operative Agriculture and Rural Development Bank |
| PCE | Partial Credit Enhancement |
| PCFC | Pre-Shipment Credit in Foreign Currency |
| PCR | Provision Coverage Ratio |
| PD | Primary Dealer |
| PDI | Perpetual Debt Instruments |
| PFRDA | Pension Fund Regulatory and Development Authority |
| PIF | Pro-active Intervention Framework |
| PLR | Prime Lending Rate |
| PMJDY | Pradhan Mantri Jan Dhan Yojana |
| PNCPS | Perpetual Non-Cumulative Preference Shares |
| PoS | Point of Sale |
| PP | Phillips-Perron |
| PPI | Pre-paid Payment Instrument |
| PR | Principal Regulator |
| PRA | Prudential Regulatory Authority |
| PSB | Public Sector Bank |
| PSL | Priority Sector Lending |
| PSLC | Priority Sector Lending Certificate |
| PVA | Prudent Valuation Adjustment |
| PVB | Private Sector Bank |
| QIP | Qualified Institutional Placement |
| QR | Quick Response |
| RBI | Reserve Bank of India |
| RC | Resolution Corporation |
| RCS | Registrar of Co-operative Societies |
| RE | Regulated Entities |
| ReBIT | Reserve Bank Information Technology Private Limited |
| REITs | Real Estate Investment Trust |
| RFR | Risk-Free Reference Rate |
| RHS | Right Hand Scale |
| RNBC | Residuary Non-Banking Company |
| RoA | Return on Asset |
| RoE | Return on Equity |
| RRB | Regional Rural Bank |
| RTGS | Real Time Gross Settlement |
| S4A | Scheme for Sustainable Structuring of Stressed Assets |
| SA-CCR | Standardised Approach for Measuring Counterparty Credit Risk |
| SARFAESI | Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest |
| SBN | Specified Bank Note |
| SC | Sub-committee |
| SC / RC | Securitisation Company/ Reconstruction Company |
| SCA | Statutory Central Auditor |
| SCARDB | State Co-operative Agriculture and Rural Development Bank |
| SCB | Scheduled Commercial Bank |
| SDR | Strategic Debt Restructuring |
| SEBI | Securities and Exchange Board of India |
| SFB | Small Finance Bank |
| SFC | State Financial Corporation |
| SGSY | Swarnajayanti Gram Swarojgar Yojana |
| SHG | Self-Help Group |
| SIB | Systemically Important Bank |
| SIDBI | Small Industries Development Bank of India |
| SLR | Statutory Liquidity Ratio |
| SMA | Special Mention Account |
| SME | Small and Medium Enterprise |
| SMERA | Small and Medium Enterprises Ratings Agency |
| SMF | Small and Marginal Farmer |
| SoC | Statement of Co-operation |
| SPARC | Supervisory Program for Assessment of Risk and Capital |
| SPD | Standalone Primary Dealer |
| SPV | Special Purpose Vehicle |
| SR | Security Receipt |
| StCB | State Co-operative Bank |
| STCCS | Short-Term Co-operative Credit Structure |
| ST-SAO | Short-Term (Seasonal Agricultural Operations) |
| SUCB | Scheduled Urban Co-operative Bank |
| TAICO Bank | Tamil Nadu Industrial Co-operative Bank Ltd. |
| T-Bills | Treasury Bills |
| TBTF | Too-Big-to-Fail |
| TIBOR | Tokyo Interbank Offered Rate |
| TLAC | Total Loss-Absorbing Capacity |
| TR | Trade Repository |
| TReDS | Trade Receivables Discounting System |
| UCB | Urban Co-operative Bank |
| UPI | Unified Payment Interface |
| VAR | Vector Auto Regression |
| VCF | Venture Capital Fund |
| WAC | Weighted Average Cost |
| WACR | Weighted Average Call Money Rate |
| WALR | Weighted Average Lending Rate |
| WAM | Weighted Average Maturity |
| WGRR | Working Group on Resolution Regimes |
| WLA | White Label ATM |
| WLTF | Wholesale and Long-Term Finance |
| XBRL | eXtensible Business Reporting Language |
| y-o-y | Year-on-Year |