List of Select Abbreviations

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Published on December 31, 2025

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List of Select Abbreviations

3-MMA	3-Month Moving Average
AEs	Advanced Economies
AFS	Available for Sale
AI	Artificial Intelligence
AIFs	Alternative Investment Funds
AIFIs	All-India Financial Institutions
AMCs	Asset Management Companies
AMFI	Association of Mutual Funds in India
APY	Atal Pension Yojana
AUC	Assets Under Custody
AUM	Assets Under Management
BCBS	Basel Committee on Banking Supervision
BCs	Business Correspondents
BIFR	Board for Industrial and Financial Reconstruction
BIS	Bank for International Settlements
BPS	Basis Points
BSI	Banking Stability Indicator
BTs	Bankruptcy Trustees
CAD	Current Account Deficit
CASA	Current Account and Savings Account
CBDCs	Central Bank Digital Currencies
CCB	Capital Conservation Buffer
CCIL	Clearing Corporation of India Ltd.
CCPs	Central Counterparties
CCRI	Credit Concentration Risk Index
CCs	Clearing Corporations
CD	Credit-to-Deposit
CDs	Certificate of Deposits
CDS	Credit Default Swap
CDSL	Central Depository Services Limited
CET1	Common Equity Tier 1
CFMs	Capital Flow Management Frameworks
CICs	Core Investment Companies
CIRP	Corporate Insolvency Resolution Process
CLA	Co-Lending Arrangements
CMs	Clearing Members
CoC	Committee of Creditors
Core SGF	Core Settlement Guarantee Fund
CPs	Commercial Papers
CPI	Consumer Price Index
CRAR	Capital to Risk-Weighted Assets Ratio
CRAs	Central Recordkeeping Agencies
CRR	Cash Reserve Ratio
CSR	Corporate Social Responsibility
D-SIBs	Domestic Systemically Important Banks
DeFi	Decentralised Finance
DEPs	Digital Engagement Practices
DGA	Duration Gap Analysis
DICGC	Deposit Insurance and Credit Guarantee Corporation
DIIs	Domestic Institutional Investors
DIF	Deposit Insurance Fund
DISSA	Diploma in Information System Security Audit
DPD	Days Past Due
DSR	Debt Service Ratio
EAR	Earnings At Risk
EBPT	Earnings Before Profit and Tax
ECB	External Commercial Borrowings
EMDEs	Emerging Markets and Developing Economies
EMEs	Emerging Market Economies
EPS	Earnings per Share
ERP	Equity Risk Premium
ESG	Environmental, Social, and Governance
ETF	Exchange-Traded Funds
F&O	Futures and Options
FAR	Fully Accessible Route
FBs	Foreign Banks
FCI	Financial Conditions Index
FDI	Foreign Direct Investment
FEMA	Foreign Exchange Management Act, 1999
FMEs	Fund Management Entities
FPI	Foreign Portfolio Investment
FREE-AI	Framework for Responsible and Ethical Enablement of Artificial Intelligence
FSB	Financial Stability Board
FSDC	Financial Stability and Development Council
FSDC-SC	Sub-Committee of Financial Stability and Development Council
FSR	Financial Stability Report
FSSI	Financial System Stress Indicator
FVTPL	Fair Value Through Profit and Loss
FY	Financial Year
G-SIB	Globally Systemically Important Banks
G20	Group of Twenty
GAP	Global Access Provider
GAOs	Global Administrative Offices
GDP	Gross Domestic Product
GENIUS Act	Guiding and Establishing National Innovation for U.S Act
GNPAs	Gross Non-Performing Assets
GRCTCs	Global/ Regional Corporate Treasury Centres
G-Sec	Government Securities
GST	Goods and Services Tax
HFCs	Housing Finance Companies
HFT	Held for Trading
HQLA	High Quality Liquid Assets
HTM	Held to Maturity
I-SCAN	International Securities and Commodities Alerts Network
IAAP	International Association of Accessibility Professionals
IAIS	International Association of Insurance Supervisors
IBBI	Insolvency and Bankruptcy Board of India
ICMA	International Capital Market Association
ICMAI	Institute of Cost Accounts of India
ICR	Interest Coverage Ratio
ID	Insured Deposits
IFSC	International Financial Services Centre
IIBX	India International Bullion Exchange
IIF	Institute of International Finance
IIP	International Investment Position
IM	Information Memorandum
IMF	International Monetary Fund
INR	Indian Rupee
InvITs	Infrastructure Investment Trusts
IOSCO	International Organization of Securities Commission
IPA	Insolvency Professional Agency
IPO	Initial Public Offerings
IPs	Insolvency Professionals
IRD	Interest Rate Derivatives
IRDAI	Insurance Regulatory and Development Authority of India
IRPs	Interim Resolution Professionals
ISSB	International Sustainability Standards Board
KFS	Key Facts Statements
KYC	Know Your Customer
LCR	Liquidity Coverage Ratio
LGD	Loss Given Default
LR-CRaR	Liquidity Ratios - Conditional Redemption At Risk
LR-RaR	Liquidity Ratios - Redemption At Risk
LT	Long-term
MD	Modified Duration
MDG	Modified Duration Gap
MDs	Master Directions
MFDs	Mutual Fund Distributors
MFs	Mutual Funds
MiCAR	Markets in Crypto-Assets Regulation
MIIs	Market Infrastructure Institutions
MRC	Minimum Required Corpus
MSF	Multiple Scheme Framework
MSME	Micro, Small And Medium Enterprises
MTM	Mark-To-Market
MVE	Market Value of Equity
NABARD	National Bank for Agriculture and Rural Development
NAV	Net Asset Value
NaBFID	National Bank for Financing Infrastructure and Development
NBFCs	Non-Banking Financial Companies
NBFC-ML	Middle layer NBFCs
NBFC-UL	Upper layer NBFCs
NBFI	Non-bank Financial Intermediaries
NBSI	Non-banking stability indicator
NDCF	Net Distributable Cash Flows
NDTL	Net Demand and Time Liabilities
NFB	Non-Fund Based
NGFS	Network for Greening the Financial System
NGNF	Non-Government Non-Financial Vompanies
NGS	Non-Government Sector
NHB	National Housing Bank
NIC	National Industrial Classification
NII	Net Interest Income
NIM	Net Interest Margin
NNPA	Net Non-performing Assets
NOI	Net Operating Income
NPL	Non-Performing Loans
NPS	National Pension System
NSDL	National Securities Depository Limited
NSE IX	NSE International Exchange
NSFI	National Strategy for Financial Inclusion
NSFR	Net Stable Funding Ratio
NSUCBs	Non-Scheduled UCBs
OECD	Organisation for Economic Cooperation and Development
OEFs	Open-Ended Funds
OFS	Offer for Sale
OIS	Overnight Indexed Swap
OOI	Other Operating Income
ORBIOs	Offices of the Reserve Bank of India Ombudsman
P/E	Price-to-Earnings
PaRRVA	Past Risk and Return Verification Agency
PAs	Payment Aggregators
PAT	Profit After Tax
PCE	Partial Credit Enhancement
PCR	Provisioning Coverage Ratio
PDs	Primary Dealers
PFRDA	Pension Fund Regulatory and Development Authority
PML	Prevention of Money Laundering
PRAN	Permanent Retirement Account Number
PSBs	Public Sector Banks
PSL	Priority Sector Lending
PSOs	Payment System Operators
PSP	Payment Service Provider
PVBs	Private Sector Banks
PwDs	Persons with Disabilities
QIS	Quantitative Impact Study
RBC	Risk Based Capital
RBI	Reserve Bank of India
RB-IOS, 2021	Reserve Bank - Integrated Ombudsman Scheme, 2021
REITs	Real Estate Investment Trusts
REER	Real Effective Exchange Rate
REPO	Repurchase Transactions
REs	Regulated Entities
RFQ	Request for Quote
RoA	Return on Assets
RoE	Return on Equity
RP	Resolution Professional
RRBs	Regional Rural Banks
RSA	Rate-Sensitive Assets
RSL	Rate-Sensitive Liabilities
RWA	Risk Weighted Assets
SCBs	Scheduled Commercial Banks
SD	Standard Deviation
SDI	Securitised Debt Instrument
SDLs	State Development Loans
SEBI	Securities and Exchange Board of India
SFBs	Small Finance Banks
SGF	Settlement Guarantee Fund
SGS	State Government Securities
SIPs	Systematic Investment Plans
SIS	Systemic Importance Scores
SLR	Statutory Liquidity Ratio
SMA	Special Mention Account
SM REIT	Small and Medium Real Estate Investment Trust
SPDs	Standalone Primary Dealers
SRA’s	Successful Resolution Applicant’s
SRO	Self-Regulatory Organization
SRPA	Self-Regulated Payment System Operator Association
SRVAs	Special Rupee Vostro Accounts
SSA	Securitization of Standard Assets
SSE	Social Stock Exchange
ST	Short Term
SUCBs	Scheduled UCBs
TGA	Traditional Gap Analysis
UCBs	Urban Cooperative Banks
UNFCCC	UN Framework Convention on Climate Change
UPS	Unified Pension Scheme
US	United States
USD	US Dollar
VARX	Vector Auto Regression with Exogenous Variables
VIX	Volatility Index