Banking Full Forms Lists

Acronym

Full Form

2FA

Two Factor Authentication

A&AS

Account & Audit Section

ABEDA

Arab Bank for Economic Development in Africa

ACF

Auto Correlation Function

ACLF

Additional Collateralised Lending Facility

ACS

Automated Clearing Systm

AD

Authorized Dealer

ADB

Asian Development Bank

ADF

Automated Data Flow

ADR

American�Depository Receipt

ADTV

Average Daily Trading Volume

AEPS

Aadhaar Enabled Payments Switch

AFS

Annual Financial Statement

AGM

Annual General Meeting

AIC

Agricultural Insurance Company

AIDBs

All India Development Banks

AIF

Alternative Investment Fund

AIFIs

All India Financial Institutions

ALCO

Asset Liability Committee

ALM

Asset Liability Management

AMEX

American Express

AMFL

Association of Mutual Funds in India

AML

Anti-Money Laundering

AMRMS

Audit and Risk Monitoring Mechanism

ANBC

Adjusted Net Bank Credit

ANSI

American National Standards Institute

APACS

Association of Payment and Clearing Services

APBS

Aadhaar Payment Bridge System

APSFC

andhra Pradesh State Financial Corporation

ARC

Asset Reconstruction Companies

ARCIL

Asset Reconstruction Company of India Limited

ASBA

Applications Supported Bank Accounts

ASSOCHAM

Associated Chambers of Commerce and Industry of India

ATM

Automated teller machine, Air traffic management

BACS

Bankers Automated Clearing System

BBR

Bank Base Rate

BCBS

Basel Committee on Banking Supervision

BCP

Branch Credit Plan

BCSBI

Banking Codes and Standards Board of India

BFS

Board of Financial Supervision

BIS

Bank for International Settlements

BLBC

Block-Level Bankers Committee

BO

Banking Ombudsman

BOB

Bank of Baroda

BOD

Board of Directors

BOE

Bill of Exchange

BOI

Bank of India

BOP

Balance of Payments

BOR

Bank of Rajasthan

BOT

Build,Operate and Transfer

BPC

Benefits Processing Corp

BPLR

Benchmark Prime Lending Rate

BR Act

Banking Regulations Act, 1949

BSE

Bombay Stock Exchange

BSR

Basic Statistical Returns

CA

Chartered Accountant

CAAP

Capital Adequacy Assessment Process

CAD

Current Account Deficit

CAG

Controller and Auditor General

CAMELS

Capital, Assets, Management, Earnings, Liquidity, and Systems and Control

CAR

Capital Adequacy Ratio

CARE

Credit Analysis and Research Limited

CASA

Current and Savings Accounts

CB

Canara Bank

CBI

Common Bank of India, Central bureau of Investigation

CBLO

�Collateralized Bank Lending Obligations

CBS

Core Banking�Solution

CBT

Computer-Based Terminal

CC

Cash Credit

CCB

Central Co-operative Bank

CCIL

Clearing Corporation of India Limited

CCL

Cash Credit Limit

CD

Certificate of Deposit

CD Ratio

Credit Deposit Ratio

CDB

Caribbean Development Bank

CDBS

Committee of Direction on Banking Statistics

CDR

Corporate Debt Restructuring

CDS

Credit Default Swap

CED

Centre For Entrepreneurship Development

CEPA

Comprehensive Economic Partnership Management

CFMS

Centralised Funds Management System

CFRA

Combined Finance and�Revenue�Accounts

CFS

Committee on The Financial System

CGRA

Currency and Gold Revaluation Account

CHAPS

Clearing House Automated Payment System

CIBIL

Credit Information Bureau of India Limited

CIF

Customer Information File

CLB

Company Law Board

CLF

Collateralised Lending Facility

CMA

Collateral Management Agreement

CMIS

Currency Management Information System

CMP

Current Market Price

CNP

Card Not Present

COB

Corporation Bank

CP

Colombo Plan

CPFF

Commercial Paper Funding Facility

CPI

Consumer Price Index

CPs

Commercial Papers

CRAR

Capital To Risk Weighted Asset Ratio

CRILC

Central Repository of Information on Large Credits

CRISIL

Credit Rating Information Services Of India

CRM

Customer Relationship Management

CRMD

Credit Risk Management Department

CRR

Cash Reserve Ratio

CSC

Common Service Centres

CSGLA

Constituent�s Subsidiary General Ledger Account

CSP

Customer Service Point

CSR

corporate social responsibility

CTI

Country Threat Index

CTS

Cheque Truncation System, Clear to Send

CUB

City Union Bank

DB

Dena Bank

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

DPG

Deferred Payment Guarantee

DPN

Demand Promissory Note

DPs

Depository Participants

DR!

Beneficiaries of Differential Interest Rate

DRAT

Debt Recovery Appellate Tribunal

DRI

Differential Rate Of Interest

DRT

Debt Recovery Tribunals

DSCR

Debt Service Coverage Ratio

DTAA

Double Taxation Avoidance Agreement

EADB

East African Development Bank

EBRD

European Bank for Reconstruction and Development

ECB

External Commercial Borrowings

ECD

European Central Bank

ECS

Electronic Clearing System

ED

Enforcement Directorate

EDF

Export Development Fund

EDI

Electronic Data Internchange

EDP

Entrepreneurship Development Programme

EEFC

Exchange Earners� Foreign Currency

EFT

Electronic Funds Transfer

EFTPOS

Electronic Funds Transfer At Point Of Sale

EIB

European Investment Bank

ELSS

Equity Linked Saving Scheme

EMI

Equated Monthly Instalmentsb

EPFO

Employees� Provident Fund Organisation

EPOS

Electronic Point Of Sale

EPS

Earning per Share

ESI

Employees� State Insurance

ESOP

Employee Stock Options

ETFs

Exchange Traded Funds

EXIM

Export Import Bank of India

FATF

FERA Financial Action Task Force

FCA

Foreign Currency Assets

FCCB

Foreign Currency Convertible Bond

FCD

Fully Convertible Debentures

FCNR

Foreign Currency Non Resident Deposit Accounts

FCNRA

Foreign Currency Non resident Account

FD

Fixed Deposit

FDI

Fixed Deposit Income

FEDAI

Foreign Exchange Dealers Association Of India

FEMA

Foreign Exchange Management Act

FERA

Foreign Exchange Regulation Act

FFA

Federal Financial Assistance

FFB

Federal Financing Bank

FICCI

Federation of Indian Chambers of Commerce and Industry

FII

Foreign Institutional�Investor

FIMMDA

Fixed Income Money Market and Derivatives Association of India

FINO

Financial Information Network and Operation Limited

FIPB

Foreign Investment Promotion Board

Fls

Financial Institutions

FOB

Free On Board

FPI

Foreign Portfolio Investment

FRB

Federal Reserve Bank

FRNs

Floating Rate Notes

FRO

Foreigners Registration officer

FRRO

Foreigners Regional Registration officer

FSRASC

Financial Sector Regulatory Appointment Search Committee

FSS

Financial Software Systems

FTA

Free Trade Agreement

GAAR

General Anti Avoidance Rule

GDCF

Gross Domestic Capital Formation

GDP

Gross Domestic Product

GDR

Global Depository Receipt

GFD

Gross Fiscal Deficit

GIPSA

General Insurance Public Sector Association

GIRO

Government Internal Revenue Order

GlC

General Insurance Corporation of India

GMS

Gold Monetisation Scheme

GST

Goods and Services Tax

GSTN

Goods and Services Network

GSTPA

Global Straight Through Processing Association

HDFC

Housing Development Finance Corporation

HFCs

Housing Finance Companies

HPFC

Himachal Pradesh Financial Corporation

HSBC

Hong Kong and Shanghai Banking Corporation

HUDCO

Housing and Urban Development Corporation

IADB

Inter American Development Bank

IAS

Integrated Accounting Systems

IBA

Indian Bank Association

IBBI

Insolvency and Bankruptcy Board of India

IBPS

Institute of Banking Personnel Selection

IBRD

International Bank for Reconstruction and Development

IBS

International Banking Statistics

IBU

International Banking Unit

ICA

Indian Council of Agricultural Research

ICAO

International Civil Aviation Organisation

ICC

Integrated Circuit Card

ICFAI

INSTITUTE OF CHARTERED FINANCIAL ANALYSTS OF INDIA

ICICI

Industrial Credit and Investment Corporation of India

ICRA

Investment Information and Credit Rating Agency of India Limited

IDB

Islamic Development Bank

IDBI

Industrial Development Bank of India

IDFC

Infrastructure Development Finance Company Limited

IDR

Indian Depository Receipts

IDRBT

Institute for Development and Research Of Banking

IEPF

Investors Education and Protection Fund

IFC

International Finance Corporation

IFCI

INDUSTRIAL FINANCE CORPORATION OF INDIA

IFSC

Indian Financial System Code

IIB

International Investment Bank

IIBF

Indian Institute of Banking and Finance

IIBI

Industrial Investment Bank of India Limited

IIBM

Indian Institute of Bank Management

IIFCL

India Infrastructure Finance Company Limited

IIFT

Indian Institute of Foreign Trade

IIP

Index of Industrial Production

IMD

India Millennium Deposits

IMF

International Monetary Fund

IMPS

Immediate Payment Service

IMT

Instant Money Transfer

INFINET

Indian Financial Network

INR

Indian Rupee

IOB

Indian Overseas Bank

IP

Internet Provider

IPO

Initial Public Offer

IPPB

India Post Payment Bank

IPSS

Integrated Payment and Settlement System

IRBI

Industrial Reconstruction Bank Of India

IRCI

Industrial Reconstruction Corporation of India Limited

IRDA

Insurance Regulatory and Development Authority of India

IRDP

Integrated Rural Development Programme

IRE

Internal Rating Based

IROs

Interest rate options

IRR

Internal Rate Of Return

ISCI

International Standard Industrial Classification

ISIN

International Securities Identification Number

ISO

International Standard Organisation

IVP

Indira Vikas Patra

JAIIB

Junior Associate of Indian Institute of Bankers

JCB

Japan Credit Bureau

JLGs

Joint Liability Groups

KCC

Kisan Credit Card

KMB

Kotak Mahindra Bank

KVB

Karur Vysya Bank

KVIC

Khadi and Village Industries Corporation

KVP

Kisan Vikas Patra

KYC

Know Your Customer

LAB

Local Area Bank

LAF

Liquidity Adjustment Facility

LAMPS

Large Sized Adivasi Multipurpose Societies

LAN

Local Area Network

LAS

Loan & Advances by States

LBD

Land Development Bank

LBS

Locational Banking Statistics

LERMS

Liberalized Exchange Rate Management System

LETS

Local Exchange Trading Systems

LIBOR

London Inter Bank Offered Rate

LIC

Life Insurance Corporation Of India

LOC

Lines of Credit

LTCG

Long-Term Capital Gains

LTF

Long-Term Finance

LTN

Long Term Note

M&As

Mergers and Acquisitions

MBFC

Mutual Benefit Financial Company

MCA

Ministry Of Company Affairs

MCLR

Marginal Cost Of Lending Rate

MEDP

Multinational Design Evaluation Progrrame

MFDF

Micro Finance Development Fund

MFIs

Micro-Financial Institutions

MIBOR

Mumbai Inter Bank Offer Rate

MICR

Magnetic Ink Character Recognition

MIRSD

Market Intermediaries Registration and Supervision Department

MIS

Management Information System

MNBCs

Miscellaneous Non-Banking Companies

MPBF

Maximum Permissible Bank Finance

MRD

Market Regnlation Department

MSS

Market�Stabilisation Scheme

MTN

Medium Term Note

MTNs

Medium-Term Notes

MUDRA

Micro Units Development And Refinance Agency

NABARD

National Bank For Agricultural And Rural Development

NAFCUB

National Federation of Urban Cooperative Banks and Credit Societies

NAFED

National Agricultural Cooperative Marketing Federation

NAS

National Account Statistics

NAV

Net Asset Value

NBC

Non Banking Companies

NBFC

Non-Banking Finance Company

NCAER

National Council of Applied Economic Research

NCC

National Clearing Cells

NCMC

National Common Mobility Card

NCS

Network Computing System

NDA

Net Domestic Asset

NDC

Non-Dues Certificate

NDS

Negotiated Dealing Systems

NDSAP

National Data Sharing and Accessibility Policy

NDTL

Net Demand And Time Liability

NECS

National Electronic Clearing System

NEFT

National Electronic Funds Transfer

NFA

No Frills Account

NFC

Non Banking Finance Companies

NFS

National Financial Switch

NGO

Non-Governmental Organisation

NHB

National Housing Bank

NIB

Nordic Investment Bank

NII

Net Interest Income

Nof

Net Owned Funds

NPAs

Non-Performing Assets

NPCI

National Payments Corporation Of India

NPLM

Non-Performing Loan Management

NPS

National Pensions Scheme

NPV

Net Present Value

NRE

Non Resident External 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

NSFDC

National Scheduled Castes Finance And Development Corporation

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

ODIs

Offshore/Overseas Derivative Instruments

OECD

Organisation For Economic Cooperation And Development

OFCS

Offshore Financial Centers

OLTAS

Online Tax Accounting System

OMO

Open Market Operations

OTCEI

Over the Counter Exchange Of India

OTP

One-Time Password

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

PCARDB

Primary Cooperative Agriculture and Rural Development Bank

PCDs

Partly Convertible Debentures

PDO

Public Debt Office

PEP

Personal Equity Plans

PF

Provident Fund

PFls

Public Financial Institutions

PFRDA

Pension Fund Regulatory and Development Authority

PGS

Payment Gateway System

PIN

Personal Identification Number

PIO

People of Indian Origin

PIS

Portfolio Investment Scheme

PKI

Public Key Infrastructure

PLIs

Prime Lending Institutions

PLP

Potential Linked Plan

PLR

Prime Lending Rate

PMLA

Prevention of Money Laundering Act

PNB

PUNJAB NATIONAL BANK

P-Notes

Participatory Notes

PO

Probationary Officer,Post Office

POA

Power of Attorney

PoS

Point of Sale

PPF

Public Provident Fund

PPIs

Prepaid Payment Instruments

PRSF

Partial Risk Sharing Facility

PSBs

Public Sector Banks

PTCs

Pass-Through Certificates

QIB

Qualified Institutional Bankers

QIP

Qualified Institutional Placement

QIS

Quantitative Impact Study

RAROC

Risk-Adjusted Return On Capital

RBI

Reserve Bank of India

RBL

Ratnakar Bank Limited,Realtime Blackhole List

RBS

Royal Bank of Scotland

RCF

Risk Capital Foundation

RCI

Refinance Corporation For Industry

RDBMS

Relational Database Management System

RDDBFI

Recovery of Debt due to Banks and Financial Institutions

REC

Rural Electrification Corporation

REPOS

Ready Forward Contracts

RFC

Resident Foreign Currency

RFID

Radio Frequency Identification

RIDF

Rural Infrastructure Development Fund

RML

Reverse Mortgage Loan

RNBCs

Residuary Non-Banking Companies

RoA

Return On Assets

ROC

Registration of Companies

RoE

Return On Equity

RRB

Regional Rural Bank

RTGS

Real Time Gross Settlement System

RWA

Risk Weighted Assets

SACs

Settlement Advisory Committees

SAMIS

Strategic Asset Management Information System

SARFAESI

Securitization and Reconstruction of Financial Assets and Enforcement of Security Interest

SBI

state bank of India

SCB

Scheduled Commercial Bank

SCC

Selective Credit Control

SDBS

Service Discharge Benefit Scheme

SDR

Special Drawing Rights

SDS

Special Deposit Scheme

Securities and Exchange Board of India

SEPA

Single Euro Payment Area

SEPUP

Self-Employment Programme For Urban Poor

SEZs

Special Economic Zones

SFCs

State Financial Corporations

SFMS

Structured Financial Messaging Services

SGB

Sovereign Gold Bond

SGSY

Swarnajayanti Gram Swarojgar Yojana

SHG

Self Help Group

SIDBI

Small Industries Development Bank of India

SIDC

State Industrial Development Corporation

SIFI

Systematically Important Financial Intermediaries

SIM

Subscriber Identity Module

Sip

Systematic Investment Plans

SIPS

Systemically Important Payment System

SJSRY

Swarna Jayanthi Shahari Rozgar Yojana

SLBC

State-Level Bankers� Committee

SLR

Statutory Liquidity Ratio, Single Lens Reflex

SLRS

Scheme for Liberation and Rehabilitation of Scavengers

SME

Small and Medium Industries

SMERA

SME Rating Agency of India Limited

SMILE

SIDBI Make in India Loan for small Enterprises

SPNS

Shared Payment Network System

SPOM

Self-Programmable One-Chip Microcomputer

Spy

Special Purpose Vehicle

SSI

Small Scale Industries

SSIDC

State Small Industries Development Corporation

SSSBE

Small Scale Service and Business Enterprises

STD

Short Term Deposit

STF

Short-Term Finance

STP

Straight -Through Processing

SWIFT

Society For Worldwide Inter Bank 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

TDS

Tax Deducted at Source, Total Dissolved Solids

TIEA

Tax Information and Exchange Agreement

TIN

Tax Information Network

UBB

Uniform Balance Book

UBD

Urban Banks Department

UBI

United Bank of India

UBIN

Unique Business Identification Number

UCB

Urban Cooperative Bank

UCN

Uniform Code Number

UCO Bank

United Commercial Bank

UEBA

Universal Electronic Bank Account

UIC

Unique Identification Code

UIDAI

Unique Identification Authority of India

UPI

Unified Payments Interface

UPIN

Unique Property Identification Numbers

USB

Ultra Small Branch

USD

United States Dollar

USSD

Unstructured Supplementary Service Data

UTI

Unit Trust of India

VCFs

Venture Capital Funds

VCP

Village Credit Plan

VDBS

Vertically Differentiated Banking System

VPA

Virtual Payment Address

VRS

Voluntary Retirement Scheme

VUB

Vseobecmi Uverova Banka

WAN

Wide Area Network

WBCIS

Weather Based Crop Insurance Scheme

WCDL

Working Capital Demand Loan

WCTL

Working Capital Term Loan

WL ATM

White Label ATM

WMA

Ways and Means Advances

WOS

Wholly Owned Subsidiary

WPI

Wholesale Price Index

YTM

Yield to Maturity