Financial Abbreviationso ADB - Asian Development Banko ADR - American Depository Receipto ASBA – Application Supported by Blocked Amounto ASSOCHAM - Associated Chambers of Commerce and Industry ofIndiao ATM - Asynchronous Transfer Modeo ATM - Automated Teller Machine

BATM – Biometric Automated Teller Machine BoP - Balance of Payment BOB – Bank of Baroda CAG - Controller and Auditor General of India CBDT – Central Board of Direct Taxes CBS – Core Banking Services CCEA – Cabinet Committee on Economic Affairs CD Ratio - Credit Deposit Ratio CDR – Corporate Debt Restructuring CII - Confederation of Indian Industries CP - Commercial Paper CPI - Consumer Price Index CPI-IW – Consumer Price Index for Industrial Worker CRM – Customer Relationship Management CRR - Cash Reserve Ratio CSO – Central Statistical Organization DD - Demand Draft DI - Direct Investment DSA – Direct Selling Agent DTAC – Double Tax Avoidance Convention ECB - External Commercial Borrowing ECB – European Central Bank EMI – Equated (Equal) Monthly Installment EPF - Employees Provident Fund EPS – Earning Per Share ECS - Electronic Clearing Scheme ERP – Employee Resource Planning EXIM Bank - Export Import Bank of India FATF – Financial Action Task Force FDI - Foreign Direct Investment FEMA - Foreign Exchange Management Act FERA – Foreign Exchange Regulation Act (Erstwhile form of FEMA) FI - Financial Institution FICCI - Federation of Indian Chambers of Commerce and Industry

FII - Foreign Institutional Investor GDP - Gross Domestic Product GDR - Global Depository Receipt GPF – General Provident Fund G-Sec - Government Securities GST – Goods and Service Tax HDFC - Housing Development Finance Corporation HUDCO - Housing & Urban Development Corporation IBA – Indian Bank Association IBRD - International Bank for Reconstruction and Development IBS - International Banking Statistics ICAR - Indian Council of Agricultural Research ICICI - Industrial Credit and Investment Corporation of India IDBI – Industrial Development Bank of India IFC - International Finance Corporation IFCI - Industrial Finance Corporation of India IFRS – International Financial Reporting Standards IIBF – Indian Institute of Banking and Finance IIM – Indian Institute of Management IIP - Index of Industrial Production IMD - India Millennium Deposits IMF - International Monetary Fund INR – Indian Rupee IPO – Initial Public Offering IPR – Intellectual Property Rights IRBI – Industrial Reconstruction Bank of India ISO – International Standards Organization ISB – Indian School of Business ITRS – International Transaction Reporting System

JLR – Jaguar Land Rover

KVIC - Khadi & Village Industries Corporation

KYC – Know Your Customer

LAF – Liquidity Adjustment Facility LBD – Land Development Bank LERMS – Liberalized Exchange Rate Management System LIBOR – London Inter-Bank Offered Rate LIC – Life Insurance Corporation of India M1 – Narrow Money M3 – Broad Money MICR – Magnetic Ink Character Recognition MIS – Management Information System

MIS – Monthly Income Scheme MF – Mutual Fund MFC – Micro-Finance Companies MNC – Multi National Corporation MPLADS – Member of Parliament Local Area Development Scheme MTM – Mark-To-Market NABARD – National Bank for Agriculture and Rural Development NAS – National Account Statistics NASSCOM – National Association of Software and Services Companies NAV – Net Asset Value NBC – Non-Banking Companies NBFC – Non Banking Financial Companies NEFT – National Electronic Fund Transfer NFD – Net Fiscal Deficit NGO – Non-Governmental Organization NHB – National Housing Bank NPA – Non-Performing Assets NRE Non-Resident External NRG – Non-Resident Government NRLM – National Rural Livelihood Mission NRI – Non-Resident Indian NSC – National Statistical Commission NSC – National Saving Certificate NSSF – National Small Savings Fund OD – Over Draft OECD – Organisation for Economic Cooperation and Development OMO – Open Market Operations PDO – Public Debt Office P/E – Profit Earnings Ratio PF – Provident Fund PIO – Persons of Indian Origin PMEAC – Prime Minister’s Economic Advisory Committee PNB – Punjab National Bank PPP – Purchasing Power Parity PPP- Private Public Partnership PSE – Public Sector Enterprises PSU – Public Sector Undertaking QIB – Qualified Institutional Buyer

RBI – Reserve Bank of India RD – Recurring Deposit RD – Revenue Deficit RDBMS – Relational Database Management System

REC – Rural Electrification Corporation RIB – Resurgent India Bonds RIDF – Rural Infrastructure Development Fund RNBC – Residuary Non-Banking Companies RoC – Return on Capital RoCs – Registrars of Companies RRB – Regional Rural Bank RTGS – Real Time Gross Settlement SBI – State Bank of India SCARDB – State Cooperative Agriculture and Rural Development Bank SCB – Scheduled Commercial Bank SDR – Special Drawing Right SDS – Special Deposit Scheme SEBI – Securities and Exchange Board of India SEBs – State Electricity Boards SFC – State Financial Corporation SHGs – Self-Help Groups SIDBI – Small Industries Development Bank of India SIDC – State Industrial Development Corporation SLR – Statutory Liquidity Ratio SPF – State Provident Fund SSI – Small-Scale Industries TBs – Treasury Bills

UCB – Urban Cooperative Bank ULIP – Unit Linked Insurance Plan USP – Unique Selling Preposition UTI – Unit Trust of India VC – Venture Capital

WPI – Wholesale Price Index

YTM – Yield to Maturity

ZCB – Zero Coupon Bond