Abbreviations – Banking Terminology

Banking Terminology - RBI

List of Abbreviations
AD Authorised Dealer
ADF Asset Development Fund
ADWDR Agricultural Debt Waiver and Debt Relief
AEs Advanced Economies
AIFIs All India Financial Institutions
AMCs Asset Management Companies
AMRMS Audit Management and Risk Monitoring System
APMC Agricultural Produce Market Committee
AQR Asset Quality Review
ARCs Asset Reconstruction Companies
ATMs Automated Teller Machines
BC Business Correspondent
BCM Business Continuity Management
BE Budget Estimates
BEST Brihanmumbai Electric Supply and Transport Undertaking
BFS Board for Financial Supervision
BIA Basic Indicator Approach
BIS Bank for International Settlements
BO Banking Ombudsman
BoP Balance of Payment
BPSS Board for Payment and Settlement System
BRBNMPL Bharatiya Reserve Bank Note Mudran Private Limited
BRICS Brazil, Russia, India, China and South Africa
BSE Bombay Stock Exchange
BSR Basic Statistical Returns
CA Current Account
CAB College of Agricultural Banking
CAD Current Account Deficit
CAFRAL Centre for Advanced Financial Research and Learning
CASA Current Account and Saving Account
CART Classification and Regression Tree Approach
CBRMC Central Bank Risk Managers' Conference
CBS Core Banking Solution
CCB Committee of the Central Board
CCC Certified Credit Counsellors
CCIL Clearing Corporation of India Limited
CCM Committee on Currency Movement
CD Certificate of Deposit
CDES Currency Distribution and Exchange Scheme
CDSL Central Depository Services Limited
CEPD Consumer Education and Protection Department
CF Contingency Fund
CFLs Centres for Financial Literacy
CGRA Currency and Gold Revaluation Account
CIC Currency in Circulation
CMBs Cash Management Bills
CPC Central Pay Commission
CPI Consumer Price Index
CPI-ALs Consumer Price Index-Agricultural Labourers
CPI-IWs Consumer Price Index-Industrial Workers
CPI-RLs Consumer Price Index-Rural Labourers
CPMI-IOSCO Committee on Payments and Market Infrastructures-International Organisation of Securities Commissions
CPs Commercial Papers
CRAR Capital to Risk-Weighted Assets Ratio
CRILCs Central Repository of Information on Large Credits
CRR Cash Reserve Ratio
CSBD Corporate Strategy and Budget Department
CSF Consolidated Sinking Fund
CSO Central Statistics Office
DBR Department of Banking Regulation
DBS Department of Banking Supervision
DCBS Department of Cooperative Bank Supervision
DCCBs District Central Cooperative Banks
DCS Department of Corporate Services
DDs Demand Drafts
DEA Depositors' Education and Awareness Fund
DEIO Department of External Investments and Operations
DGBA Department of Government and Bank Accounts
DICGC Deposit Insurance and Credit Guarantee Corporation
DISCOMs Electricity Distribution Companies
DNBS Department of Non-Banking Supervision
DPSS Department of Payment and Settlement Systems
DSGE Dynamic Stochastic General Equilibrium
DSIM Department of Statistics and Information Management
ECB External Commercial Borrowings
EDMS Electronic Document Management System
EFD Enforcement Department
EMDEs Emerging Markets and Developing Economies
EMEs Emerging Market Economies
EMS Enterprise Management System
ERM Enterprise-Wide Risk Management
ETCD Exchange Traded Currency Derivatives
EXIM Bank Export Import Bank
FAQs Frequently Asked Questions
FCA Foreign Currency Assets
FCCB Foreign Currency Convertible Bond
FCNR(B) Foreign Currency Non-Resident (Bank) Account Deposits
FCVA Foreign Exchange Forward Contracts Valuation Account
FDI Foreign Direct Investment
FED Foreign Exchange Department
FEMA Foreign Exchange Management Act
FER Foreign Exchange Reserves
FIAC Financial Inclusion Advisory Committee
FIP Financial Inclusion Plan
FMCG Fast-moving Consumer Goods
FMOD Financial Markets Operations Department
FMRD Financial Markets Regulation Department
FOMC Federal Open Market Committee
FPI Foreign Portfolio Investment
FRBM Fiscal Responsibility and Budget Management
FSAP Financial Sector Assessment Programme
FSB Financial Stability Board
FSDC Financial Stability and Development Council
FSR Financial Stability Report
FSU Financial Stability Unit
FVCIs Foreign Venture Capital Investors
FWG Framework Working Group
G-20 Group of Twenty
GDP Gross Domestic Product
GFC Global Financial Crisis
GFCF Gross Fixed Capital Formation
GFD Gross Fiscal Deficit
GMM Generalised Method of Moments
GNDI Gross National Disposable Income
GoI Government of India
GRF Guarantee Redemption Funds
GSDP Gross State Domestic Product
G-secs Government Securities
GST Goods and Services Tax
GVA Gross Value Added
HLCCSM High Level Committee on Currency Storage and Movement
HRA House Rent Allowance
HRMD Human Resource Management Department
HTM Held to Maturity
IAC Internal Advisory Committee
IBA Indian Banks' Association
IBBI Insolvency and Bankruptcy Board of India
IBC Insolvency and Bankruptcy Code
ICCR Incremental Cash Reserve Ratio
IDPMS Import Data Processing and Monitoring System
IDS Income Declaration Scheme
IFA International Financial Architecture
IFSC International Financial Service Centre
IGBC Indian Green Building Council
IGIDR Indira Gandhi Institute of Development Research
IIP Index of Industrial Production
IIP International Investment Position
IMD India Meteorological Department
IMF International Monetary Fund
INR Indian Rupee
IPDS Integrated Power Development Scheme
IRA-FS Investment Revaluation Account-Foreign Securities
IRA-RS Investment Revaluation Account-Rupee Securities
IPOs Initial Public Offerings
IT Information Technology
ITES Information Technology Enabled Services
KYC Know Your Customer
LAF Liquidity Adjustment Facility
LEI Legal Entity Identifier
LPA Long Period Average
LPG Liquefied Petroleum Gas
M3 Money Supply
MA-SAAR Moving Averages of Seasonally Adjusted Annualised Growth
MCLR Marginal Cost of Funds Based Lending Rate
MGNREGA Mahatma Gandhi National Rural Employment Guarantee Act
MoSPI Ministry of Statistics and Programme Implementation
MPC Monetary Policy Committee
MSEs Micro and Small Enterprises
MSF Marginal Standing Facility
MSMEs Micro, Small and Medium Enterprises
MSPs Minimum Support Prices
MSS Market Stabilisation Scheme
NABARD National Bank for Agriculture and Rural Development
NAMCABS National Mission for Capacity Building of Bankers for financing the MSME sector
NBFCs Non-Banking Financial Companies
NCDs Non-Convertible Debentures
NDA Net Domestic Assets
NDS-OM Negotiated Dealing System-Order Matching
NDTL Net Demand and Time Liabilities
NEFT National Electronic Funds Transfer
NEM North-East Monsoon
NFA Net Foreign Assets
NHB National Housing Bank
NIBM National Institute of Bank Management
NIC National Industrial Classification
NiC Notes in Circulation
NIIP Net International Investment Position
NPAs Non-Performing Assets
NPS National Pension System
NRE Non-Resident (External) Rupee Accounts
NRO Non-Resident Ordinary Accounts
NRLM National Rural Livelihood Mission
NSE National Stock Exchange
NSDL National Securities Depository Limited
NSFI National Strategy for Financial Inclusion
NSFR Net Stable Funding Ratio
OFCBs Overseas Foreign Currency Borrowings
OM Original Maturity
OMO Open Market Operations
OPEC Organisation of Petroleum Exporting Countries
OROP One Rank One Pension
OSMOS Off-Site Monitoring and Surveillance System
OTC Over the Counter
PAs Provisional Accounts
PACS Primary Agricultural Credit Societies
PADO Public Administration, Defence and Other Services
PCA Prompt Corrective Action
PCR Public Credit Register
PDs Primary Dealers
PFCVA Provision for Forward Contracts Valuation Account
PLF Plant Load Factor
PMGKDS Pradhan Mantri Garib Kalyan Deposit Scheme
POs Payment Orders
PPAs Power Purchase Agreements
PPI Producer Price Index
PPIs Prepaid Payment Instruments
PSBs Public Sector Banks
PSUs Public Sector Undertakings
PSLCs Priority Sector Lending Certificates
QIPs Qualified Institutional Placements
RBI Reserve Bank of India
RBIA Risk Based Internal Audit
RBSC Reserve Bank Staff College
RCS Regional Connectivity Scheme
RD Revenue Deficit
RDBs Rupee Denominated Bonds
ReBIT Reserve Bank Information Technology Private Limited
REER Real Effective Exchange Rate
RERA Real Estate (Regulation and Development) Act
RFCA Revaluation of Forward Contracts Account
RM Reserve Money
RMD Risk Monitoring Department
RRBs Regional Rural Banks
RTF Risk Tolerance Framework
RTGS Real Time Gross Settlement System
RTI Right to Information Act
RTP Reserve Tranche Position
S4A Scheme for Sustainable Structuring of Stressed Assets
SAA Swap Amortisation Account
SAARC South Asian Association for Regional Cooperation
SARFAESI Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest
SBNs Specified Bank Notes
SCBs Scheduled Commercial Banks
SDF Special Drawing Facility
SDL State Development Loans
SDR Special Drawing Rights
SEBI Securities and Exchange Board of India
SGBs Sovereign Gold Bonds
SGL Subsidiary General Ledger
SHGs Self Help Groups
SLR Statutory Liquidity Ratio
SMS Short Message Service
SPARC Supervisory Programme for Assessment of Risk and Capital
SPMCIL Security Printing and Minting Corporation of India Limited
SPSEs State Public Sector Enterprises
SRU Strategic Research Unit
StCBs State Cooperative Banks
SWM South-West Monsoon
T-Bills Treasury Bills
UCBs Urban Cooperative Banks
UDAY Ujwal DISCOM Assurance Yojana
UMPP Ultra Mega Thermal Power Projects
UNCTAD United Nations Conference on Trade and Development
USSD Unstructured Supplementary Service Data
WACR Weighted Average Call Rate
WADR Weighted Average Discount Rate
WADTDR Weighted Average Domestic Term Deposit Rate
WAEIR Weighted Average Effective Interest Rate
WALR Weighted Average Lending Rate
WAY Weighted Average Yield
WDV Written Down Value
WMA Ways and Means Advances
WPI Whole Sale Price Index
XBRL extensible Business Reporting Language
y-o-y Year-on-Year

Source: Annual Report 2016-17

Other Abbreviations - Non-Banking Terminology

B. A. — Bachelor of Arts
M. A. — Master of Arts
B. Sc. — Bachelor of Science
M. Sc. — Master of Science
B. Sc. Ag. — Bachelor of Science in
Agriculture
M. Sc. Ag. — Master of Science in
Agriculture
M. B. B. S. — Bachelor of Medicine and
Bachelor of Surgery
M. D. — Doctor of Medicine
M. S. — Master of Surgery
Ph. D. / D. Phil. — Doctor of Philosophy
(Arts & Science)
D. Litt./Lit. — Doctor of Literature / Doctor of
Letters
D. Sc. — Doctor of Science
B. Com. — Bachelor of Commerce
M. Com. — Master of Commerce
Dr. — Doctor
B. P. — Blood Pressure
Mr. — Mister
Mrs. — Mistress
M.S. — miss (used for female married &
unmarried)
Miss — used before unmarried girls)
M. P. — Member of Parliament
M. L. A. — Member of Legislative Assembly
M. L. C. — Member of Legislative Council
P. M. — Prime Minister
C. M. — Chief Minister
C-in-C — Commander-In-Chief
L. D. C. — Lower Division Clerk
U. D. C. — Upper Division Clerk
Lt. Gov. — Lieutenant Governor
D. M. — District Magistrate
V. I. P. — Very Important Person
I. T. O. — Income Tax Officer
C. I. D. — Criminal Investigation Department
C/o — Care of
S/o — Son of
C. B. I. — Central Bureau of Investigation
G. P. O. — General Post Office
H. Q. — Head Quarters
E. O. E. — Errors and Omissions Excepted
Kg. — Kilogram
Kw. — Kilowatts
Gm. — Gram
Km. — Kilometer
Ltd. — Limited
M. P. H. — Miles Per Hour
KM. P. H. — Kilometre Per Hour
P. T. O. — Please Turn Over
P. W. D. — Public Works Department
C. P. W. D. — Central Public Works
Department
U. S. A. — United States of America
U. K. — United Kingdom (England)
U. P. — Uttar Pradesh
M. P. — Madhya Pradesh
H. P. — Himachal Pradesh
U. N. O. — United Nations Organization
W. H. O. — World Health Organization
B. B. C. — British Broadcasting Corporation
B. C. — Before Christ
A. C. — Air Conditioned
I. G. — Inspector General (of Police)
D. I. G. — Deputy Inspector General (of
Police)
S. S. P. — Senior Superintendent of Police
D. S. P. — Deputy Superintendent of Police
S. D. M. — Sub-Divisional Magistrate
S. M. — Station Master
A. S. M. — Assistant Station Master
V. C. — Vice-Chancellor
A. G. — Accountant General
C. R. — Confidential Report
I. A. S. — Indian Administrative Service
I. P. S. — Indian Police Service
I. F. S. — Indian Foreign Service or Indian
Forest Service
I. R. S. — Indian Revenue Service
P. C. S. — Provincial Civil Service
M. E. S. — Military Engineering Service
Full Form Of Some technical Words
VIRUS - Vital Information Resource
UnderSeized.
3G -3rd Generation.
GSM - Global System for Mobile
Communication.
CDMA - Code Divison Multiple
Access.
UMTS - Universal MobileTelecommunication
System.
SIM - Subscriber Identity Module .
AVI = Audio Video Interleave
RTS = Real Time Streaming
SIS = Symbian
OS Installer File
AMR = Adaptive Multi-Rate Codec
JAD = Java Application Descriptor
JAR = Java Archive
JAD = Java Application Descriptor
3GPP = 3rd Generation Partnership Project
3GP = 3rd Generation Project
MP3 = MPEG player lll
MP4 = MPEG-4 video file
AAC = Advanced Audio Coding
GIF= Graphic InterchangeableFormat
JPEG = Joint Photographic Expert Group
JPEG = Joint Photographic Expert Group
BMP = Bitmap
SWF = Shock Wave Flash
WMV = Windows Media Video
WMA = Windows Media Audio
WAV = Waveform Audio
PNG = Portable Network Graphics
DOC =Document (MicrosoftCorporation)
PDF = Portable Document Format
M3G = Mobile 3D Graphics
M4A = MPEG-4 Audio File
NTH = Nokia Theme (series 40)
THM = Themes (Sony Ericsson)
MMF =
Synthetic Music Mobile Application File
NRT = Nokia Ringtone
XMF = Extensible Music File
WBMP = Wireless Bitmap Image
DVX = DivX Video
HTML = Hyper Text Markup Language
WML =
Wireless Markup Language
CD -Compact Disk.
DVD - Digital Versatile Disk.
CRT - Cathode Ray Tube.
DAT - Digital Audio Tape.
DOS - Disk Operating System.
GUI -Graphical
User Interface.
HTTP - Hyper Text Transfer Protocol.
IP - Internet Protocol.
ISP - Internet Service Provider.
TCP - Transmission Control Protocol.
UPS - UninterruptiblePower Supply.
HSDPA -High Speed Downlink
PacketAccess.
EDGE - Enhanced Data Rate for
GSM- [GlobalSystem for Mobile
Communication]
Evolution.
VHF - Very High Frequency.
UHF - Ultra High Frequency.
GPRS - General
PacketRadio Service.
WAP - Wireless ApplicationProtocol.
TCP - Transmission ControlProtocol.
ARPANET - Advanced Research Project
Agency Network.
IBM - International Business Machines.
HP - Hewlett Packard.
AM/FM - Amplitude/ Frequency

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