| AD-1 | Authorized Dealers Category-I |
| AEs | Advanced Economies |
| AePS | Aadhaar Enabled Payment Systems |
| AFA | Additional Factor of Authentication |
| AFS | Available for Sale |
| AI/ML | Artificial Intelligence and Machine Learning |
| AID | All Inclusive Directions |
| AIFIs | All India Financial Institutions |
| AML | Anti-Money Laundering |
| ANBC | Adjusted Net Bank Credit |
| APR | Annual Percentage Rate |
| AQR | Asset Quality Review |
| ARCs | Asset Reconstruction Companies |
| ARDL-EC | Autoregressive Distributed Lag Model with Error Correction |
| ASISO | Automated Sweep-In and Sweep-Out |
| BBPOUs | Bharat Bill Payment Operating Units |
| BBPS | Bharat Bill Payment System |
| BCBS | Basel Committee on Banking Supervision |
| BC-ICT | Business Correspondents - Information and Communication Technology |
| BCs | Business Correspondents |
| BEI | Banking Expectations Index |
| BFSCI | Bloomberg U.S. Financial Conditions Index |
| BIS | Bank for International Settlements |
| BISIH | BIS Innovation Hub |
| BOS | Banking Ombudsman Scheme |
| bps | Basis Points |
| BSBDAs | Basic Savings Bank Deposit Accounts |
| CADs | Current Account Deficits |
| CAGR | Compound Annual Growth Rate |
| CASA | Current Account and Savings Account |
| CBDC | Central Bank Digital Currency |
| CBS | Core Banking Solution |
| CC | Contact Centre |
| CCB | Capital Conservation Buffer |
| CCO | Chief Compliance Officer |
| CCPs | Central Counterparties |
| C-D | Credit-Deposit |
| CDS | Credit Default Swap |
| CDs | Certificates of Deposits |
| CEPCs | Consumer Education and Protection Cells |
| CET | Common Equity Tier |
| CFLs | Centres for Financial Literacy |
| CFSS | Core Financial Services Solution |
| CGFMU | Credit Guarantee Fund for Micro Units |
| CI | Confidence Interval |
| CICERO | Centre for International Climate Research |
| CICs | Core Investment Companies |
| CICs | Credit Information Companies |
| CIMS | Centralised Information and Management System |
| CIRP | Corporate Insolvency Resolution Process |
| CISBI | Central Information System for Banking Infrastructure |
| CMBs | Cash Management Bills |
| CME | Capital Market Exposure |
| CoR | Certificate of Registration |
| CoVaR | Conditional Value at Risk |
| CPI | Consumer Price Index |
| CPMI | Committee on Payments and Market Infrastructures |
| CPs | Commercial Papers |
| CRAR | Capital to Risk-Weighted Assets Ratio |
| CRAs | Credit Rating Agencies |
| CRE | Commercial Real Estate |
| CRE-RH | Commercial Real Estate – Residential Housing |
| CRILC | Central Repository of Information on Large Credits |
| CRM | Credit Risk Mitigation |
| CRMs | Cash Recycling Machines |
| CRO | Chief Risk Officer |
| CRR | Cash Reserve Ratio |
| CSRD | Corporate Sustainability Reporting Directive |
| CVA | Credit Valuation Adjustment |
| DAY-NRLM | Deendayal Antyodaya Yojana-National Rural Livelihood Mission |
| DBTs | Direct Benefit Transfers |
| DBUs | Digital Banking Units |
| DCCBs | District Central Co-operative Banks |
| DFI | Development Financial Institution |
| DICGC | Deposit Insurance and Credit Guarantee Corporation |
| DIF | Deposit Insurance Fund |
| DLAs | Digital Lending Applications |
| DP | Discussion Paper |
| DPI | Digital Payments Index |
| D-SIBs | Domestic Systemically Important Banks |
| DTH | Direct-To-Home |
| EBLRs | External Benchmark Linked Lending Rates |
| ECB | European Central Bank |
| ECBs | External Commercial Borrowings |
| ECL | Expected Credit Loss |
| ECLGS | Emergency Credit Line Guarantee Scheme |
| EGARCH | Exponential Generalized Autoregressive Conditional Heteroskedasticity |
| EMDEs | Emerging Market and Developing Economies |
| EMEs | Emerging Market Economies |
| eNWRs | Electronic Negotiable Warehouse Receipts |
| ESG | Environmental, Social And Governance |
| EXIM Bank | Export Import Bank of India |
| FADA | Federation of Automobile Dealers’ Associations |
| FAS | Financial Access Survey |
| FBCs | Fixed-point Business Correspondents |
| FBs | Foreign Banks |
| FCI | Financial Conditions Index |
| FCNR(B) | Foreign Currency (Non-Resident) Accounts (Banks) |
| FCS-OIS | Foreign Currency Settled Overnight Indexed Swap |
| FIs | Financial Institutions |
| FI-Index | Financial Inclusion Index |
| FIPs | Financial Inclusion Plans |
| FLCs | Financial Literacy Centres |
| FMIs | Financial Market Infrastructures |
| FPC | Fair Practices Code |
| FRRR | Fixed Rate Reverse Repo |
| FSB | Financial Stability Board |
| FSWM | Financially Sound and Well Managed |
| GCCs | General Credit Cards |
| GDP | Gross Domestic Product |
| GFC | Global Financial Crisis |
| GNPA | Gross Non-Performing Assets |
| G-SAP | Government Securities Acquisition Programme |
| G-Secs | Government Securities |
| HFCs | Housing Finance Companies |
| HFT | Held for Trade |
| HO | Head Office |
| HQLAs | High Quality Liquid Assets |
| HTM | Held to Maturity |
| IAC | Independent Advisory Committee |
| IBBI | Insolvency and Bankruptcy Board of India |
| IBC | Insolvency and Bankruptcy Code |
| ICCW | Interoperable Card-less Cash Withdrawal |
| ICMA | International Capital Market Association’s |
| I-D | Investment-Deposit |
| IFR | Investment Fluctuation Reserve |
| IFSC | International Financial Services Centre |
| IIS | Investment In Securities |
| IMF | International Monetary Fund |
| INR | Indian Rupees |
| IO | Internal Ombudsman |
| IPOs | Initial Public Offerings |
| IRB | Internal Ratings-Based |
| IRRBB | Interest Rate Risk in the Banking Book |
| ISSB | International Sustainability Standards Board |
| IVR | Interactive Voice Response |
| JLGs | Joint Liability Groups |
| KCC | Kisan Credit Card |
| KFS | Key Fact Statement |
| KMP | Key Managerial Personnel |
| KPIs | Key Performance Indicators |
| KYC | Know Your Customer |
| KUA | KYC User Agency |
| LABs | Local Area Banks |
| LAF | Liquidity Adjustment Facility |
| LCR | Liquidity Coverage Ratio |
| LEF | Large Exposure Framework |
| LEs | Legal Entities |
| LIBOR | London Interbank Offered Rate |
| LR | Leverage Ratio |
| LSPs | Lending Service Providers |
| LTV | Loan-to-Value |
| mCBDC | Multi-CBDC |
| MD | Master Direction |
| MIBOR | Mumbai Interbank Offered Rate |
| MIGR | Minimum Investment Grade Credit Ratings |
| MMF | Money Market Fund |
| MPC | Monetary Policy Committee |
| MoSPI | Ministry of Statistics and Program Implementation |
| 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 |
| NACH | National Automated Clearing House |
| NBFC-AA | NBFC-Account Aggregator |
| NBFC-BL | NBFC-Base Layer |
| NBFC-ICCs | NBFC-Investment And Credit Companies |
| NBFC-IDF | NBFC-Infrastructure Debt Fund |
| NBFC-IFC | NBFC-Infrastructure Finance Company |
| NBFC-MFIs | NBFC-Micro Finance Institutions |
| NBFC-ML | NBFC-Middle Layer |
| NBFC-NOFHC | NBFC-Non-Operative Financial Holding Company |
| NBFC-P2P | NBFC–Peer to Peer Lending Platform |
| NBFCs | Non-Banking Financial Companies |
| NBFCs-D | Deposit-Taking NBFCs |
| NBFCs-ND | Non-Deposit Taking NBFCs |
| NBFCs-ND-SI | Non-Deposit Taking Systemically Important NBFCs |
| NBFC-TL | NBFC-Top Layer |
| NBFC-UL | NBFC-Upper Layer |
| NBFI | Non-Bank Financial Intermediation |
| NBFIs | Non-Bank Financial Intermediaries |
| NBFIs | Non-Banking Financial Institutions |
| NCCDs | Non-Centrally Cleared Derivatives |
| NCDs | Non-Convertible Debentures |
| NCLTs | National Company Law Tribunals |
| NDS-OM | Negotiated Dealing System-Order Matching |
| NDTL | Net Demand and Time Liabilities |
| NED | Non-Executive Directors |
| NGFS | Network for Greening the Financial System |
| NHB | National Housing Bank |
| NII | Net Interest Income |
| NIM | Net Interest Margin |
| NNPA | Net Non-Performing Assets |
| NOF | Net Owned Fund |
| NPAs | Non-Performing Assets |
| NPCI | National Payments Corporation of India |
| NPLs | Non-Performing Loans |
| NRC | Nomination and Remuneration Committee |
| NRO | Non-Resident Ordinary |
| NSFI | National Strategy for Financial Inclusion |
| NSFR | Net Stable Funding Ratio |
| NSUCBs | Non-Scheduled Urban Co-operative Banks |
| NWRs | Negotiable Warehouse Receipts |
| O-ARR | Overnight Alternative Reference Rate |
| OD | Overdraft |
| OEFs | Open-Ended Funds |
| OFCBs | Overseas Foreign Currency Borrowings |
| OIS | Overnight Indexed Swap |
| OMO | Open Market Operation |
| OSDT | Ombudsman Scheme for Digital Transactions |
| OSNBFC | Ombudsman Scheme for Non-Banking Financial Companies |
| OTC | Over-the-Counter |
| OTS | One-Time Settlement |
| PACS | Primary Agricultural Credit Societies |
| PBs | Payments Banks |
| PCA | Prompt Corrective Action |
| PCARDBs | Primary Co-operative Agriculture and Rural Development Banks |
| PCR | Provision Coverage Ratio |
| PDs | Primary Dealers |
| PLI | Production Linked Incentive |
| PLR | Prime Lending Rate |
| PMAY-G | Pradhan Mantri Awaas Yojana-Gramin |
| PMAY-U | Pradhan Mantri Aawas Yojna-Urban |
| PMCBL | Punjab and Maharashtra Co-operative Bank Ltd |
| PMJDY | Pradhan Mantri Jan Dhan Yojana |
| PML | Prevention of Money Laundering |
| PSBs | Public Sector Banks |
| PSL | Priority Sector Lending |
| PSLCs | Priority Sector Lending Certificates |
| PSUs | Public Sector Undertakings |
| PVBs | Private Sector Banks |
| QBs | Qualified Buyers |
| RBIH | Reserve Bank Innovation Hub |
| RB-IOS | Reserve Bank - Integrated Ombudsman Scheme |
| RDG | Retail Direct Gilt |
| REE | Real Estate Exposures |
| REs | Regulated Entities |
| RMCB | Risk Management Committee of the Board |
| RoA | Return on Assets |
| RoE | Return on Equity |
| RR | Reserve Ratio |
| RRBs | Regional Rural Banks |
| RS | Regulatory Sandbox |
| RSA | Restructured Standard Advances |
| RT | Risk Thresholds |
| RTGS | Real Time Gross Settlement |
| RWAs | Risk-Weighted Assets |
| SARFAESI Act | Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest Act |
| SBM-G | Swachh Bharat Mission-Gramin |
| SBR | Scale Based Regulation |
| SCARDBs | State Co-operative Agriculture and Rural Development Banks |
| SCBs | Scheduled Commercial Banks |
| SDF | Standing Deposit Facility |
| SEs | Supervised Entities |
| SF/MF | Small and Marginal Farmers |
| SFBs | Small Finance Banks |
| SFG | Sustainable Finance Group |
| SGBs | Sovereign Gold Bonds |
| SHG-BLP | Self-Help Group - 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 |
| SLTRO | Special Long-Term Repo Operations |
| SMA | Special Mention Accounts |
| SMEs | Small and Micro Enterprises |
| SMFs | Small and Marginal Farmers |
| SPDs | Standalone Primary Dealers |
| SPO | Second Party Opinion |
| SRs | Security Receipts |
| SSBs | Standard Setting Bodies |
| SSE | Sensitive Sector Exposure |
| StCBs | State Co-operative Banks |
| SUCBs | Scheduled Urban Co-operative Banks |
| TBTF | Too-Big-To-Fail |
| TCFD | Task Force on Climate-Related Financial Disclosures |
| TLAC | Total Loss-Absorbing Capacity |
| TLTRO | Targeted Long-Term Repo Operations |
| TR | Trade Repository |
| TR | Total Remuneration |
| TReDS | Trade Receivables Discounting System |
| TREPS | Triparty Repo Dealing and Settlement |
| UCBs | Urban Co-operative Banks |
| UIDAI | Unique Identification Authority Of India |
| UPI | Unified Payments Interface |
| U.K. | United Kingdom |
| U.S. | United States |
| USFB | Unity Small Finance Bank |
| UTs | Union Territories |
| VAR | Vector Auto Regression |
| VaR | Value at Risk |
| VP | Variable Pay |
| VRR | Variable Rate Repo |
| VRRR | Variable Rate Reverse Repo |
| WAC | Weighted Average Cost |
| WAPs | Weighted Average Premiums |
| WEO | World Economic Outlook |
| WGDL | Working Group on Digital Lending |
| WOS | Wholly-Owned Subsidiary |