9, Arera Hills, Central Bank of India,
    Zonal Office, Bhopal

    1800 233 4035
    smslbc@centralbank.co.in

    List of Banking Abbreviations

    AACS

    As Applicable to Cooperative Societies

    ABS

    Asset Backed Securities

    ACH

    Automatic Clearing House

    ACU

    Asian Clearing Union

    AD

    Authorised Dealer

    ADR

    Asset Development Reserve

    AEBC

    American Express Banking Corporation

    AEBL

    American Express Bank Limited

    AFC

    Asset Finance Companies

    AFI

    Annual Financial Inspection

    AFS

    Available For Sale

    AICCCA

    Association of Independent Consumer Credit Counselling Agencies

    AIFIs

    All India Financial Institutions

    ALD

    Aggregate Liability to Depositors

    ALM

    Asset Liability Management

    AMA

    Asset Liability Management

    AMC

    Asset Management Company

    AML

    Anti Money Laundering

    ANBC

    Adjusted Net Bank Credit

    APG

    Asia Pacific Group

    APRACA

    Asia Pacific Regional Agricultural Credit Association

    APRs

    Annual Performance Reports

    ARC

    Asset Reconstruction Company

    ARCIL

    Asset Reconstruction Company (India) Ldiv class="col-md-3".

    AS

    Accounting Standard

    ASEAN

    Association of South East Asian Nations

    ASIC

    Australian Securities & Investment Commission

    ASSOCHAM

    The Associated Chambers of Commerce and Industry of India

    ATM

    Automated Teller Machine

    BC

    Business Correspondent

    BCBS

    Basel Committee on Banking Supervision

    BCP

    Business Continuity Planning Process

    BCP

    Basel Core Principles

    BCSBI

    Banking Codes and Standards Board of India

    BF

    Business Facilitator

    BFS

    Board for Financial Supervision

    BIA

    Basic Indicator Approach

    BIFR

    Board

    BIS

    Bank for International Settlements

    BLA

    Bond Ledger Account

    BO

    Banking Ombudsman

    BoP

    Balance of Payments

    BOS

    Banking Ombudsman Scheme

    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

    BSC

    Balanced Scorecard

    BSR

    Basic Statistical Return

    BWA

    Broadband Wireless Access

    CA

    Concurrent Audit

    CAB

    College of Agricultural Banking

    CAFL

    Center for Advanced Financial Learning

    CALCS

    Capital Adequacy, Asset Quality, Liquidity, Compliance and System

    CAMELS

    Capital Adequacy, Asset Quality, Management, Earnings, Liquidity, Systems and Control

    CAR

    Capacity Assessment Rating

    CAS

    Central Account Section

    CAS

    Common Accounting System

    CASA

    Current & Saving Accounts

    CBLO

    Colaterised Borrowing and Lending Obligation

    CBS

    Core Banking Solution

    CBS

    Corporate Bond Spreads

    CCCS

    Consumer Credit Counselling Service

    CCDM

    Credit Counselling and Debt Management

    CCF

    Credit Conversion Factors

    CCIL

    Clearing Corporation of India Ltd.

    CCP

    Cendiv class="col-md-12 well"al Counter Party

    CCP

    Cheque Clearing Policy

    CCR

    Counterfeit Currency Report

    CCs

    Currency Chests

    CCTV

    Closed Circuit Television

    CDs

    Certificates of Deposit

    CD

    Certificate of Deposit

    CDBS

    Currency Disintegration and Briquetting System

    CDBS

    Committee of Direction on Banking Statistics

    CDBMS

    Currency Disintegration and Briquetting System

    CDF

    Cooperative Development Fund

    CDO

    Collateral Debt Obligations

    CDR

    Corporate Debt Restructuring

    CDRM

    Credit Counselling and Debt Management

    CDS

    Credit Default Swaps

    CEM

    Current Exposure Method

    CEO

    Chief Executive Officer

    CEOBSE

    Credit Equivalent Amount Off-Balance Sheet Exposure

    CFC

    Customer Facilitation Cendiv class="col-md-12 well"e

    CFCAC

    Committee on Fuller Capital Account Convertibility

    CFMS

    Centralised Funds Management System

    CFS

    Consolidated Financial Statements

    CFSA

    Committee on Financial Sector Assessment

    CFSP

    Committee on Financial Sector Plan

    D&B

    Dun & Bradstreet Information Services India (P) Ltd.

    DAD

    Deposit Accounts Department

    DAPM

    Department of Administration and Personnel Management

    DAPs

    Development Action Plans

    DARPG

    Department of Administrative Reforms and Public Grievances

    DBIE

    Database on Indian Economy

    DBOD

    Department of Banking Operations and Development

    DBS

    Department of Banking Supervision

    DCC

    District Consultative Committee

    DCC

    District Coordination Committee

    DCCB

    District Central Cooperative Bank

    DCM

    Department of Currency Management

    DCRR

    Department for Cooperative Revival and Reforms

    DEAP

    Department of Economic Analysis and Policy

    DEBC

    Department of Expenditure and Budgetary Control.

    DEIO

    Department of External Investments and Operations

    DER

    Debt Equity Ratio

    DFI

    Development Finance Institution

    DGBA

    Department of Government and Bank Accounts

    DICGC

    Deposit Insurance and Credit Guarantee Corporation

    DIT

    Department of Information Technology

    DLIC

    District Level Implementation Committee

    DLIC

    District Level Implementation and Monitoring Committee

    DMA

    Direct Marketing Agent

    DMIS

    Document Management Information System

    DNBS

    Department of Non-Banking Supervision

    DNSS

    Deferred Net Settlement Systems

    DOC

    Department of Communication

    DOT

    Department of Telecommunications

    DPSS

    Department of Payment and Settlement Systems

    DR

    Disaster Recovery

    DRI

    Differential Rate of Interest

    DRG

    Development Research Group

    DRIP

    District Rural Industries Project

    DRT

    Debt Recovery Tribunal

    DSA

    Direct Sales Agent

    DSIM

    Department of Statistics and Information Management

    DTA

    Deferred Tax Asset

    DTC

    Direct Tax Code

    DTL

    Demand and Time Liability

    DTL

    Differed Tax Liability

    DvP

    Delivery versus Payment

    EaR

    Earnings at Risk

    EBR

    Export Bills Rediscounted

    EBT

    Electronic Benefit Transfer

    ECB

    External Commercial Borrowing

    ECGC

    Export Credit Guarantee Corporation

    ECM

    Economic Capital Model

    ECR

    Export Credit Refinance

    ECS

    Electronic Clearing Services

    EEA

    Exchange Equalisation Account

    EEFC

    Exchange Earners’ Foreign Currency

    EFT

    Electronic Fund Transfer

    EKP

    Enterprise Knowledge Portal

    EME

    Emerging Market Economy

    EMEs

    Emerging Market Economies

    EMS

    Estate Management System

    EoI

    Expression on Interest

    EPCG

    Export Promotion Capital Goods

    ESOP

    Employee Stock Option Plans

    ESRB

    European Systemic Risk Board

    ETF

    Empowered Task Force

    EWS

    Early Warning System

    EXIM Bank

    Export Import Bank of India

    FATF

    Financial Action Task Force

    FAQs

    Frequently Asked Questions

    FBT

    Fringe Benefit Tax

    FCs

    Financial Conglomerates

    FC

    Financial Conglomerates

    FCA

    Foreign Currency Asset

    FCAC

    Fuller Capital Account Convertibility

    FCCB

    Foreign Currency Convertible Bond

    FCL

    Flexible Credit Line

    FCNR

    Foreign Currency Non-Resident

    FCNR

    Foreign Currency Non-Resident (Banks)

    FCI

    Food Corporation of India

    FDI

    Foreign Direct Investment

    FDIC

    Federal Deposit Insurance Corporation

    FEDAI

    Foreign Exchange Dealers' Association of India

    FEMA

    Foreign Exchange Management Act

    FFI

    Foreign Financial Institution

    FFMC

    Full Fledge Money Changer

    FI

    Financial Institution

    FICCI

    Federation of Indian Chambers of Commerce and Industry

    FIEO

    Federation of Indian Export Organisations

    FIF

    Financial Inclusion Fund

    FII

    Foreign Institutional Investor

    FIMMDA

    Fixed Income Money Market and Derivatives Association of India

    FINO

    Financial Information Network and Operations

    FIP

    Financial Inclusion Plan

    FIPB

    Foreign Investment Promotion Board

    FIR

    First Information Report

    FIRC

    First International Research Conference

    FITF

    Financial Inclusion Technology Fund

    FITL

    Funded Interest Term Loan

    FIU-IND

    Financial Intelligence Unit - India

    FLCCs

    Financial Literacy and Credit Counseling Centres

    FLCC

    Financial Literacy and Credit Counselling Centres

    FMC

    Financial Markets Committee

    FMD

    Financial Markets Department

    FMS

    Focus Market Scheme

    FPS

    Focus Product Scheme

    FRA

    Forward Rate Agreement

    FRAs

    Forward Rate Agreements

    FRB

    Floating Rate Bond

    FRBs

    Floating Rate Bonds

    FRBM

    Fiscal Responsibility and Budget Management

    FRLs

    Fiscal Responsibility Laws

    FRMS

    Fraud Reporting and Monitoring System

    FSA

    Financial Service Authority

    FSAP

    Financial Sector Assessment Programme

    FSB

    Financial Stability Board

    FSDC

    Financial Stability Development Council

    FSF

    Financial Stability Forum

    FSI

    Financial Soundness Indicator

    FSR

    Financial Stability Report

    FSS

    Farmers' Service Societies

    FST

    Financial Sector Technology

    FSU

    Financial Stability Unit

    FVA

    Fair Value Accounting

    G 20

    Group of Twenty

    GAAP

    Generally Acceptable Accounting principles

    GB

    Gramin Bank

    GCC

    General Credit Card

    GCCs

    General-purpose Credit Cards

    GCS

    Gold Card Scheme

    GDCF

    Gross Domestic Capital Formation

    GDP

    Gross Domestic Product

    GDR

    Global Depository Receipt

    GFCF

    Gross Fixed Capital Formation

    GFD

    Gross Fiscal Deficit

    GIC

    General Insurance Corporation of India

    GLC

    General Lines of Credit

    GMRA

    Global Master Repo Agreement

    GoI

    Government of India

    GRF

    Guarantee Redemption Fund

    GSA

    Graded Supervisory Action

    GSDP

    Gross State Domestic Product

    GST

    Goods and Services Tax

    HAPAs

    High Access Precautionary Access

    HFC

    Housing Finance Companies

    HFT

    Held for Trading

    HLC

    High Level Committee

    HP

    Hodrick Prescott

    HRDD

    Human Resources Development Department

    HRMS

    Human Resources Management System

    HTM

    Held to Maturity

    HVC

    High Value Clearing

    IADI

    International Association of Deposit Insurers

    IAIS

    International Association of Insurance Supervisors

    IAS

    Integrated Accounting System

    IASB

    International Accounting Standard Board

    IASs

    Indian Accounting Standards

    IBA

    Indian Banks Association

    IBPC

    Inter-Bank Participation Certificates

    IBS

    International Banking Statistics

    ICAAP

    Internal Capital Adequacy Assessment Process

    ICAI

    Institute of Chartered Accountants of India

    I-CAT

    Institutional Capacity Assessment Tool

    ICCL

    Indian Clearing Corporation Limited

    ICCOMS

    Integrated Computerised Currency Operations and Management Systems

    ICD

    Inter Corporate Deposits

    ICOR

    Incremental Capital Output Ratio

    ICT

    Information and Communication Technology

    IDBI

    Industrial Development Bank of India

    IDFC

    Infrastructure Development Finance Company

    IDL

    Intra-Day Liquidity

    IDMD

    Internal Debt Management Department

    IDR

    Indian Depository Receipt

    IDRBT

    Institute for Development and Research in Banking Technology

    IES

    Integrated Establishment System

    IFCI

    Industrial Finance Corporation of India Ltd.

    IFCs

    Infrastructure Finance Companies

    IFSC

    Indian Financial System Code

    IFR

    Investment Fluctuation Reserve

    IFRSs

    International Financial Reporting Standards

    IGIDR

    Indira Gandhi Institute of Development Research

    IIBI

    Indusdiv class="col-md-12 well"ial Investment Bank of India

    IIBM

    Indian Institute of Bank Management

    IIFCL

    India Infrastructure Finance Company Limited

    IIP

    Index of Industrial Production

    ILO

    International Labour Organisation

    IMA

    Internal Models Approach

    IMD

    India Millennium Deposit

    IMF

    International Monetary Fund

    IMGC

    Indian Mortgage Guarantee Company

    INFINET

    Indian Financial Network

    IOs

    Inspecting Officers

    IOSCO

    International Organisation of Securities Commissions

    IPA

    Issuing and Payment Agent

    IPC

    Irrevocable Payment Commitments

    IPDI

    Innovative Perpetual Debt Instrument

    IPO

    Initial Public Offering

    IRA

    Investment Revaluation Account

    IRAC

    Income Recognition and Asset Classification

    IRB

    Internal-Ratings Based

    IRDA

    Insurance Regulatory and Development Authority

    IRDP

    Integrated Rural Development Programme

    IRF

    Interest Rate Future

    IRS

    Interest Rate Swaps

    IS

    Information Systems

    ISO

    International Organisation for Standardisation

    IT

    Information Technology

    ITES

    Intra-Group Transactions and Exposures

    ITGGSM

    Internal Technical Group on Government Securities Market

    ITGI

    IT Governance Institute

    ITIL

    Information Technology Infrastructure Library

    IVRS

    Interactive Voice Response System

    IWG

    Internal Working Group

    JLG

    Joint Liability Group

    JPC

    Joint Parliamentary Committee

    KCC

    Kisan Credit Card

    KCCs

    Kisan Credit Cards

    KLEMS

    Capital, Labour, Energy, Material and Services

    KVIB

    Khadi and Village Industries Board

    KVIC

    Khadi and Village Industries Commission

    KYC

    Know Your Customer

    LAB

    Local Area Bank

    LAF

    Liquidity Adjustment Facility

    LAMPS

    Large Adivasi Multi-purpose Co-operative Societies

    LAN

    Local Area Network

    LIBOR

    London Inter-Bank Offered Rate

    LIC

    Life Insurance Corporation of India

    LME

    London Metal Exchange

    LOBOM

    Lower of Book Value or Market Price

    LoC

    Letter of Comfort

    LPA

    Long Period Average

    LTCCS

    Long-Term Cooperative Credit Structure

    LTO

    Long Term Operations

    LTV

    Loan-to-Value

    M3

    Broad Money

    MAP

    Monitorable Action Plan

    MASI

    Management Audit and Systems Inspection

    MBC

    Mutual Benefit Company

    MDB

    Multilateral Development Bank

    MEDP

    Micro Enterprise Development Programme

    MFDEF

    Micro Finance Development and Equity Fund

    MFI

    Micro Finance Institution

    MFIs

    Micro-Finance Institutions

    MFs

    Mutual Funds

    MGCS

    Mortgage Guarantee Companies

    MGNREGA

    Mahatma Gandhi National Rural Employment Guarantee Act

    MIBOR

    Mumbai Inter-Bank Offer Rate

    MICR

    Magnetic Ink Character Recognition

    MIS

    Management Information System

    MJT

    Mobile Job Trainer

    MLFPS

    Market Linked Focus Product Scheme

    MLRO

    Money Laundering Reporting Office

    MMA

    Macro Management of Agricultural Scheme

    MMBCS

    Magnetic Media Based Clearing System

    MMS

    Mail Messaging Solution

    MMS

    Multi-Modal Settlement

    MNBC

    Miscellaneous Non-Banking Companies

    MNSB

    Multilateral Net Settlement Batch

    MoU

    Memorandum of Understanding

    MPLS

    Multi-Protocol Layer Switching

    MSE

    Micro & Small Enterprises

    MSEs

    Micro and Small Enterprises

    MSS

    Market Stabilisation Scheme

    MSMEs

    Micro, Small and Medium Enterprises

    MSME

    Micro, Small and Medium Enterprises

    MSOE

    Minimum Standard for Operational Efficiency

    MSS

    Market Stabilisation Scheme

    MTFPS

    Medium Term Fiscal Policy Statement

    MTM

    Mark-to-Market

    NABARD

    National Bank for Agriculture and Rural Development

    NAV

    Net Asset Value

    NBC

    Net Bank Credit

    NBFCs

    Non-Banking Financial Companies

    NBFC

    Non-Banking Financial Company

    NBFC-ND

    Non-Deposit taking Non-Banking Financial Company

    NBFC- ND-SI

    Systemically Important Non-Deposit taking Non-Banking Financial Company

    NBFI

    Non-Banking Financial Institutions

    NBV

    Net Book Value

    NCAF

    New Capital Adequacy Framework

    NCDs

    Non-Convertible Debentures

    NCEUS

    National Commission for Enterprises in Unorganised Sector

    NCPA

    National Cendiv class="col-md-12 well"e for Performing Arts

    NCR

    National Capital Region

    NDC

    No Due Certificate

    NDS

    Negotiated Dealing System

    NDS-OM

    NDS Order Matching

    NDTL

    Net Demand and Time Liabilities

    NECS

    National Electronic Clearing Service

    NEDFi

    North Eastern Development Finance Corporation

    NEFIS

    Nationwide Electronic Financial Inclusion System

    NEFT

    National Electronic Funds Transfer

    NFA

    New Financial Architecture

    NFCC

    National Foundation for Credit Counselling

    NFGBC

    Non-food Gross Bank Credit

    NFR

    Non-Financial Reporting

    NFS

    National Financial Switch

    NFSM

    National Food Security Mission

    NGO

    Non-Government Organisation

    NHB

    National Housing Bank

    NHC

    National Housing Credit

    NIA

    New India Assurance Company Limited

    NIBM

    National Institute of Bank Management

    NIC

    National Informatic Centre

    NIC

    National Informatic Centre

    NIMC

    National Implementation Monitoring Committee

    NKA

    Net Capital Account

    NOC

    No Objection Certificate

    NOF

    Net Owned Fund

    NPA

    Note Purchase Agreement

    NPA

    Non Performing Asset

    NPCI

    National Payments Corporation of India

    NPFA

    Non-Performing Financial Assets

    NPL

    Non-Performing Loan

    NRE

    Non-Resident External

    NR(E)RA

    Non-resident (External) Rupee Account

    NREGA

    National Rural Employment Guarantee Act

    NRI

    Non- Resident Indian

    NSCCL

    National Securities Clearing Corporation Limited

    NSE

    National Stock Exchange

    NSM

    Note Sorting Machines

    NSSF

    National Social Security Fund

    OBE

    Off Balancesheet Exposure

    OBS

    Off-balance Sheet

    OBU

    Off-Shore Banking Units

    ODI

    Overseas Direct Investment

    OECD

    Organisation for Economic Co-operation and Development

    OIS

    Overnight Index Swap

    OLRR

    On-line Reject Repair

    OLTAS

    On-line Tax Accounting System

    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

    PAIS

    Personal Accident Insurance Scheme

    PBR

    Principles-based Regulation

    PCARDB

    Primary Cooperative Agriculture and Rural Development Bank

    PCO

    Public Call Office

    PCPS

    Perpetual Cumulative Preference Shares

    PCR

    Provisioning Coverage Ratio

    PCR

    Public Credit Registry

    PD

    Primary Dealer

    PDI

    Perpetual Debt Instruments

    PDO

    Public Debt Office

    PDS

    Public Distribution System

    PDAI

    Primary Dealers Association of India

    PFM

    Pension Fund Management

    PFRDA

    Pension Fund Regulatory and Development Authority

    PIMC

    Project Implementation Monitoring Committee

    PIO

    Principal Inspection Officer

    PKI

    Public Key Infrastructure

    PLR

    Prime Lending Rate

    PMEGP

    Prime Minister’s Employment Generation Programme

    PMLA

    Prevention of Money Laundering Act

    PMRY

    Prime Minister Rojgar Yojna

    PNCPS

    Perpetual Non-cumulative Preference Shares

    POS

    Points of Sale

    PPID

    Pilot Project for Integrated Development

    PPP

    Purchasing Power Parity

    PRGT

    Poverty Reduction and Growth Trust

    PSB

    Public Sector Bank

    PSE

    Public Sector Enterprise

    PSLC

    Priority Sector Lending Certificates

    PSS

    Payment and Settlement System

    PV

    Present Value

    QIS

    Quantitative Impact Assessment

    RBA

    Reserve Bank of Australia

    RBIA

    Risk Based Internal Audit

    RBS

    Risk-Based Supervision

    RBSC

    Reserve Bank Staff College

    RCPS

    Redeemable Cumulative Preference Shares

    RCS

    Registrar of Cooperative Societies

    RD

    Revenue Deficit

    RDA

    Rupee Drawing Arrangement

    RECS

    Regional Electronic Clearing Service

    REGP

    Rural Employment Generation Programme

    RFA

    Revolving Fund Assistance

    RIDF

    Rural Infrastructure Development Fund

    RKVY

    Rashtriya Krishi Vikas Yojana

    RMA

    Royal Monetary Authority

    RMD

    Resource Management Discussion

    RML

    Reverse Mortgage Loan

    RNBC

    Residuary Non-Banking Company

    RNCPS

    Redeemable Non-Cumulative Preference Shares

    RoA

    Return on Assets

    ROC

    Registrar of Companies

    RoE

    Return on Equity

    RRB

    Regional Rural Bank

    RTGS

    Real Time Gross Settlement

    RTP

    Reserve Tranche Position

    SAA

    Service Area Approach

    SAARC

    South Asian Association for Regional Cooperation

    SACP

    Special Agricultural Credit Plan

    SACRED

    Scheme for Agricultural Credit Development

    SAO

    Seasonal Agricultural Operations

    SAR

    Self-Assessment Report

    SARFAESI

    Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest

    SARS

    Severe Acute Respiratory Syndrome

    SBLP

    SHG-Bank Linkage Programme

    SC

    Scheduled Caste

    SCARDB

    State Cooperative Agriculture and Rural Development Bank

    SCB

    Scheduled Commercial Bank

    SCDs

    Small Coin Depots

    SD

    Sustainable Development

    SDLs

    State Development Loans

    SDR

    Special Drawing Right

    SDS

    Special Deposit Scheme

    SEB

    State Elecdiv class="col-md-12 well"icity Board

    SEBI

    Securities and Exchange Board of India

    SEFCs

    Small Enterprises Financial Centres

    SEFT

    Special Electronic Funds Transfer

    SEZ

    Special Economic Zone

    SFAC

    Small Farmers Agri-Business Consortium

    SFC

    State Financial Corporation

    SFIO

    Serious Frauds Investigation Office

    SFMS

    Structured Financial Messaging System

    SGL

    Subsidiary General Ledger

    SGSY

    Swarn Jayanti Gram Swarojgar Yojna

    SHG

    Self-Help Group

    SHPI

    Self-Help Promoting Institutions

    SIDBI

    Small Industries Development Bank of India

    SIDC

    State Industrial Development Corporation

    SIFIs

    Systemically Important Financial Institutions

    SIPS

    Systemically Important Payment Systems

    SJSRY

    Swarna Jayanti Shahari Rojgar Yojna

    SLA

    Service Level Agreement

    SLAF

    Second Liquidity Adjustment Facility

    SLBCs

    State Level Bankers’ Committees

    SLEPCS

    State Level Export Promotion Committees

    SLR

    Statutory Liquidity Ratio

    SLRS

    Scheme for Liberlisation and Rehabilitation of Scavengers

    SMEs

    Small and Medium Enterprises

    SME

    Small and Medium Enterprise

    SPMCIL

    Security Printing and Minting Corporation of India Ltd.

    SPV

    Special Purpose Vehicle

    SR

    Security Receipt

    SREP

    Supervisory Review and Evaluation Process

    SRF

    Special Refinance Facility

    SRMS

    Self Employment Scheme for Rehabilitation of Manual Scavengers

    SRP

    Supervisory Review Process

    SSC

    Special Sub-Committees

    SSI

    Small Scale Industry

    SSS

    Securities Settlement System

    ST

    Scheduled Tribe

    STC

    Standing Technical Committee

    StCBs

    State Co-operative Banks

    STCCS

    Short-Term Cooperative Credit Structure

    STCRE

    Short-Term Cooperative Rural Credit

    STOs

    Sub Treasury Offices

    STP

    Straight Through Processing

    STR

    Suspicious Transaction Report

    STRIPS

    Separate Trading of Registered Interest and Principal of Securities

    SWIFT

    Society for Worldwide Financial Telecommunication

    SWIPS

    System-Wide Important Payment System

    TAC

    Technical Advisory Committee

    TACMP

    Technical Advisory Committee on Monetary Policy

    TAFCUB

    Task Force for Urban Cooperative Bank

    TAG

    Technical Advisory Group

    TBs

    Treasury Bills

    TFCI

    Tourism Finance Corporation of India

    TFP

    Total Factor Productivity

    ThFC

    Thirteenth Finance Commission

    TSA

    The Standardised Approach

    TwFC

    Twelfth Finance Commission

    UBB

    Uniform Balance Book

    UBD

    Urban Banks Department

    UCB

    Urban Cooperative Bank

    UCC

    Unsolicited Commercial Communication

    UIA

    United India Assurance Company Ltd.

    UID

    Unique Identity

    UIN

    Unique Identification Number

    UTI

    Unit Trust of India

    UTLBC

    Union Territory Level Bankers’

    VAR

    Vector Autoregression

    VaR

    Value at Risk

    VCF

    Venture Capital Fund

    VDP

    Village Development Programme

    VKC

    Village Knowledge Centre

    VPN

    Virtual Private Networks

    VRS

    Voluntary Retirement Scheme

    VSAT

    Very Small Aperture Terminal

    WADR

    Weighted Average Discount Rate

    WCTL

    Working Capital Term Loan

    WEO

    World Economic Outlook

    WGRFIS

    Working Group on Future Role of Financial Institutions

    WPI

    Wholesale Price Index

    WMA

    Ways and Means Advances

    WOS

    Wholly Owned Subsidiary

    XBRL

    Extensible Business Reporting Language

    XML

    Extensible Markup Language

    YTM

    Yield to Maturity

    ZCYC

    Zero Coupon Yield Curve

    ZTC

    Zonal Training Centre

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