Abbreviation | Full Form |
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2FA | Two Factor Authentication |
A&AS | Account & Audit Section |
ACLF | Additional Collateralised Lending Facility |
AIDBs | All India Development Banks |
AIFIs | All India Financial Institutions |
ALM | Asset Liability Management |
ANBC | Adjusted Net Bank Credit |
ANSI | American National Standards Institute |
APACS | Association of Payment and Clearing Services |
APSFC | andhra Pradesh State Financial Corporation |
ARCIL | Asset Reconstruction Company of India Limited |
ARCs | Asset Reconstruction Companies |
ATM | Automated Teller Machine |
BACS | Bankers Automated Clearing System |
BCBS | Basel Committee On Banking Supervision |
BCP | Branch Credit Plan |
BFS | Board of Financial Supervision |
BLBC | Block-Level Bankers Committee |
BO | Banking Ombudsman |
BOD | Board of Directors |
BPC | Benefits Processing Corp |
BPLR | Benchmark Prime Lending Rate |
CAAP | Capital Adequacy Assessment Process |
CAMELS | Capital, Assets, Management, Earnings, Liquidity, and Systems and Control |
CBT | Computer-Based Terminal |
CC | Cash Credit |
CDR | Corporate Debt Restructuring |
CDs | Certificates of Deposit |
CED | Centre For Entrepreneurship Development |
CFMS | Centralised Funds Management System |
CFS | Committee on The Financial System |
CFS | Consolidated Financial Statements |
CHAPS | Clearing House Automated Payment System |
CIBIL | Credit Information Bureau of India Ltd. |
CLB | Company Law Board |
CLF | Collateralised Lending Facility |
CMA | Collateral Management Agreement |
CNP | Card Not Present |
CPs | Commercial Papers |
CRAR | Capital to Risk-Weighted Asset Ratio |
CRM | Customer Relationship Management |
CRR | Cash Reserve Ratio |
CSGLA | Constituent’s Subsidiary General Ledger Account |
DCCB | District Central Cooperative Banks |
DCP | District Credit Plan |
DD | Demand Draft |
DDM | District Development Manager |
DFI | Development Financial Institutions |
DFID | Department For International Development |
DICGC | Deposit Insurance and Credit Guarantee Corporation |
DIR | Differential Interest Rate |
DNPD | Derivatives and New Products Departments |
DPN | Derivative Usance Promissory Note |
DPs | Depository Participants |
DR! | Beneficiaries of Differential Interest Rate |
ECB | External Commercial Borrowing |
ECS | Electronic Clearing Service |
ED | Enforcement Directorate |
EFT | Electronic Funds Transfer |
EFTPOS | Electronic Funds Transfer Point of Sale |
EMI | Equated Monthly Instalment |
EPS | Earnings Per Share |
ETFs | Exchange Traded Funds |
EXIM Bank | Export-Import Bank of India |
FATF | FERA Financial Action Task Force |
FCA | Foreign Currency Assets |
FCD | Fully Convertible Debentures |
FCNRA | Foreign Currency Non-Resident Account |
FD | Fixed Deposit |
FDI | Foreign Direct Investment |
FEMA | Foreign Exchange Management Act |
FIMMDA | Fixed Income Money Market and Derivatives Association of India |
Fls | Financial Institutions |
FRNs | Floating Rate Notes |
FRO | Foreigners Registration officer |
FRRO | Foreigners Regional Registration officer |
FSS | Financial Software Systems |
GDCF | Gross Domestic Capital Formation |
GlC | General Insurance Corporation of India |
GIPSA | General Insurance Public Sector Association |
GSTPA | Global Straight Through Processing Association |
HFCs | Housing Finance Companies |
HPFC | Himachal Pradesh Financial Corporation |
HSBC | Hong Kong and Shanghai Banking Corporation |
HUDCO | Housing and Urban Development Corporation |
IBA | Indian Banks’ Association |
IBRD | International Bank For Reconstruction and Development |
ICAO | International Civil Aviation Organisation |
ICC | Integrated Circuit Card |
ICICI | Industrial Credit and Investment Corporation of India Limited |
ICRA | Investment Information and Credit Rating Agency |
IDBI | Industrial Development Bank of India |
IDFC | Infrastructure Development Finance Company Limited |
IDRBT | Institute For Development and Research In Banking Technology |
IFCI | Industrial Finance Corporation of India Limited |
lIB I | Industrial Investment Bank of India Limited |
IMF | International Monetary Fund |
INFINET | Indian Financial Network |
IP | Internet Provider |
IPO | Initial Public offering |
IPSS | Integrated Payment and Settlement System |
IRE | Internal Rating Based |
IRa | Industrial Reconstruction Corporation of India Limited |
IRDP | Integrated Rural Development Programme |
IRR | Internal Rate of Return |
ISIN | International Securities Identification Number |
ISO | International Standard Organisation |
IVP | Indira Vikas Patra |
JCB | Japan Credit Bureau |
JLGs | Joint Liability Groups |
KCC | Kisan Credit Card |
KVP | Kisan Vikas Patra |
KYC | Know Your Customer |
LAF | Liquidity Adjustment Facility |
LAN | Local Area Network |
LBS | Lead Bank Scheme |
LETS | Local Exchange Trading Systems |
LIC | Life Insurance Corporation of India |
LOC | Lines of Credit |
LTF | Long-Term Finance |
MBFC | Mutual Benefit Financial Company |
MFIs | Micro-Financial Institutions |
MICR | Magnetic Ink Character Recognition |
MIRSD | Market Intermediaries Registration and Supervision Department |
MNBCs | Miscellaneous Non-Banking Companies |
MPBF | Maximum Permissible Bank Finance |
MRD | Market Regnlation Department |
MSS | Market Stabilisation Scheme |
M&As | Mergers and Acquisitions |
MTNs | Medium-Term Notes |
NABARD | National Bank For Agriculture and Rural Development |
NAFCUB | National Federation of Urban Cooperative Banks and Credit Societies |
NAFED | National Agricultural Cooperative Marketing Federation |
NAV | Net Asset Value |
NBC | Net Bank Credit |
NBFCs | Non-Bank Financial Companies |
NCAER | National Council of Applied Economic Research |
NCC | National Clearing Cells |
NCS | Network Computing System |
NDA | Net Domestic Assets |
NDC | Non-Dues Certificate |
NDS | Negotiated Dealing System |
NDTL | Net Demand and Time Liabilities |
NFA | Net Foreign Assets |
NGO | Non-Governmental Organisation |
NHB | National Housing Bank |
NIl | Net Interest Income |
Nof | Net Owned Funds |
NPAs | Non-Performing Assets |
NPLM | Non-Performing Loan Management |
NPS | Non-Priority Sector |
NRE | Non-Resident (External) Rupee Account |
NRI | Non-Resident Indian |
NRNR | Non-Resident Non-Repatriable Term Deposit Account |
NRO | Non-Resident Ordinary Account |
NRSR | Non-Resident (Special) Rupee Account |
NSE | National Stock Exchange |
NSIC | National Small Industries Corporation |
NSS | National Savings Scheme |
OBC | Oriental Bank of Commerce |
OBE | Off-Balance Sheet Exposures |
OBUs | Offshore Banking Units |
OCB | Overseas Corporate Bodies |
OD | Overdraft |
OFCS | Offshore Financial Centers |
OTCEI | Over The Counter Exchange of India Limited |
OTS | One-Time Settlement |
PACS | Primary Agricultural Credit Societies |
PAN | Permanent Account Number |
PBS | Projected Balance Sheet |
PBT | Profit Before Tax |
PC | Participation Certificate |
PCA | Prompt Corrective Action |
PCDs | Partly Convertible Debentures |
PFls | Public Financial Institutions |
PIN | Personal Identification Number |
PIO | People of Indian Origin |
PKI | Public Key Infrastructure |
PLIs | Prime Lending Institutions |
PLP | Potential Linked Plan |
PLR | Prime Lending Rate |
PMLA | Prevention of Money Laundering Act |
POA | Power of Attorney |
POS | Point of Sale |
PSBs | Public Sector Banks |
PTCs | Pass-Through Certificates |
QIB | Qualified Institutional Buyers |
QIP | Qualified Institutional Placement |
QIS | Quantitative Impact Study |
RAROC | Risk-Adjusted Return On Capital |
RBI | Reserve Bank of India |
RBS | Risk-Based Supervision |
RCF | Risk Capital Foundation |
RCI | Refinance Corporation For Industry |
REPOS | Ready Forward Contracts |
RFID | Radio Frequency Identification |
RML | Reverse Mortgage Loan |
RNBCs | Residuary Non-Banking Companies |
ROA | Return On Assets |
ROC | Registration of Companies |
ROE | Return On Equity |
RRBs | Regional Rural Banks |
RTGS | Real Time Gross Settlement |
SACs | Settlement Advisory Committees |
SAMIS | Strategic Asset Management Information System |
SARFAES | Securities and Reconstruction of Financial and Enforcement of Security Interest |
SBI | State Bank of India |
SCB | State Cooperative Apex Bank |
SEPUP | Self-Employment Programme For Urban Poor |
SEZs | Special Economic Zones |
SFCs | State Financial Corporations |
SFMS | Structured Financial Messaging Solution |
SGSY | Swarnajayanti Gram Swarojgar Yojana |
SHGs | Self-Help Groups |
SIDC | State Industrial Development Corporation |
SIM | Subscriber Identity Module |
SJSRY | Swarna Jayanti Shahari Rojgar Yojana |
SLBC | State-Level Bankers’ Committee |
SLR | Statutory Liquidity Ratio |
SME | Small and Medium Enterprises |
SPOM | Self-Programmable One-Chip Microcomputer |
Spy | Special Purpose Vehicle |
SSIDC | State Small Industries Development Corporation |
SSls | Small Scale Industries |
STF | Short-Term Finance |
STP | Straight -Through Processing |
SW IFT | Society For Worldwide Interbank Financial Telecommunication |
T/T | Telegraphic Transfer |
TAN | Transaction Number/Tax Deduction Account Number |
TCS | Tata Consultancy Services |
TDF | Technical Development Fund |
TDICI | Technology Development and Information Company of India Limited |
UBI | United Bank of India |
UTI | Unit Trust of India |
VCFs | Venture Capital Funds |
VCP | Village Credit Plan |
VRS | Voluntary Retirement Scheme |
VUB | Vseobecmi Uverova Banka |
WAN | Wide Area Network |
WCDL | Working Capital Demand Loan |
WOS | Wholly Owned Subsidiary |
WWW | World Wide Web |