Sreedhar’s CCE ABBREVIATIONS - FINANCE

ABBREVIATIONS - FINANCE
A
 ADR - American Depository Receipts
 ALM - Asset and Liability Management
 AML - Anti - Money Laundering
 AMC - Asset Management Company
 ANBC - Adjusted Net Bank Credit
 ARC - Asset Reconstruction Company
 ASBA - Applications Supported by Blocked Amount
 AEPS - Aadhaar Enabled Payment System
 APBS - Aadhaar Payment Bridge System
 AIF - Alternative Investment Fund
 AQB - Average Quarterly Balance
 AMC – Annual Maintenance Charge
B
 BBB - Bank Board Bureau
 BC - Business Correspondent
 BCBS - Basel Committee on Banking Supervision
 BIS - Bank for International Settlements
 BoP - Balance of Payment
 BPS - Basis Point
 BBPS - Bharat Bill Payment System
 BBPCU – Bharat Bill Payment Central Unit
 BBPOU – Bharat Bill Payment Operating Unit
 BSBDA – Basic Savings Bank Deposit Account
 BO – Banking Ombudsman
C
 CAR - Capital Adequacy Ratio
 CBS - CORE Banking Solution
 CORE – Centralized Online Real-time Exchange
 CD - Certificate of Deposit
 CDR - Corporate Debt Restructuring
 CP - Commercial Paper
 CRAR - Capital to Risk weighted Asset Ratio
 CRR - Cash Reserve Ratio
 CTS - Cheque Truncation System
 CAMELS - Capital, Assets, Management, Earnings, Liquidity, and System Control
 CAD - Current Account Deficit
 CAGR – Compound Annual Growth Rate
 CPI - Consumer Price Index
 CIF - Customer Information File
 CRN - Customer Relationship Number

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Sreedhar’s CCE ABBREVIATIONS - FINANCE
 CSR - Corporate Social Responsibility
 CVV - Card Verification Value
 CASA - Current Account & Savings Account
 CDSL - Central Depository Services Limited
 CBLO - Collateralized Borrowing & Lending Obligation
 CTR - Cash Transaction Report
 CCB - Capital Conservation Buffer
 CDS - Credit Default Swap
 CMS – Complaints Management System
 CAF – Cash Advance Fee
 CIRP – Company Insolvency Resolution Process
D
 DTAA - Double Tax Avoidance Agreement
 DCCB - District Central Co- Operative Bank
 DBT - Direct Benefit Transfer
 DP - Depository Participant
 DRT - Debt Recovery Tribunal
 DRI - Differential Rate of Interest
 DSCR – Debt Service Coverage Ratio
 DFI - Development Finance Institution
 D-SIB - Domestic Systemically Important Bank
 D – SII - Domestic Systemically Important Insurer
E
 EBT - Electronic Benefit Transfer
 ECB - External Commercial Borrowing
 EPF – Employees’ Provident Fund
 EMI - Equated Monthly Instalment
 EPS - Earnings Per Share
 ETF - Exchange Traded Fund
 ELSS - Equity Linked Savings Scheme
 EBITDA - Earnings Before Interest, Taxes, Depreciation &Amortization
 EBLR – External Benchmark based Lending Rate
F
 FEMA - Foreign Exchange Management Act
 FCCB - Foreign Currency Convertible Bond
 FDI - Foreign Direct Investment
 FII - Foreign Institutional Investor
 FPI - Foreign Portfolio Investor
 F&O - Futures & Options
 FRBM - Fiscal Responsibility & Budget Management
 FTA - Free Trade Area
 FPO - Follow on Public Offering
 FMCG - Fast Moving Consumer Goods

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Sreedhar’s CCE ABBREVIATIONS - FINANCE
 FLCC - Financial Literacy & Credit Counselling
 FATF - Financial Action Task Force
 FCNR A/c - Foreign Currency Non-Resident Account
 FSDC - Financial Stability & Development Council
G
 GAAR - General Anti Avoidance Rule
 GDP - Gross Domestic Product
 GNP - Gross National Product
 GDR - Global Depository Receipt
 GAAP - Generally Accepted Accounting Principles
 GST - Goods and Service Tax
 GIRO - General Interbank Recurring Order
H
 HUF - Hindu Undivided Family
 HFC - Housing Finance Company
I
 IFSC - Indian Financial System Code
 IFSC – International Financial Services Centre
 IIP - Index of Industrial Production
 IRR - Internal Rate of Return
 ISIN - International Securities Identification Number
 IPO - Initial Public Offering
 IDR - Indian Depository Receipt
 INROADS - Indian Risk Oriented and Dynamic Rating System
 IMPS - Immediate Payment Service
 IIN - Issuer Identification Number
 ICA - Inter Creditor Agreement
 IBC - Insolvency & Bankruptcy Code
 IGMS – Integrated Grievance Management System
 InvIT – Infrastructure Investment Trust
 IBBI - Insolvency & Bankruptcy Board of India
K
 KCC - Kisan Credit Card
 KVP - Kisan Vikas Patra
 KYC - Know Your Customer
L
 LAB – Local Area Bank
 LAF - Liquidity Adjustment Facility
 LC - Letter of Credit
 LBS - Lead Bank Scheme
 LTV - Loan to Value
 LIBOR - London Interbank Offered Rate

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Sreedhar’s CCE ABBREVIATIONS - FINANCE
 LAP - Loan against Property
 LRS - Liberalized Remittance Scheme
 LCR - Liquidity Coverage Ratio
 LTCG - Long Term Capital Gain
 LOLR - Lender of the Last Resort
 LTRO – Long Term Repo Operations
M
 M1 - Narrow Money
 M3 - Broad Money
 MFI - Micro Finance Institution
 MCLR - Marginal Cost of Funds Based Lending Rate
 MICR - Magnetic Ink Character Recognition
 MANI – Mobile Aided Note Identifier
 MSME - Micro, Small & Medium Enterprise
 MSS - Market Stabilization Scheme
 MAT - Minimum Alternate Tax
 MSF - Marginal Standing Facility
 MTSS - Money Transfer Service Scheme
 MIBOR - Mumbai Interbank Offered Rate
 MDR - Merchant Discount Rate
 MPC - Monetary Policy Committee
 MMID - Mobile Money Identifier
 MSP - Minimum Support Price
N
 NBFC - Non-Banking Finance Company
 NDTL - Net Demand and Time Liability
 NEFT - National Electronic Funds Transfer
 NITI Aayog - National Institution for Transforming India Aayog
 NPA - Non-Performing Asset
 NIIF - National Investment & Infrastructure Fund
 NIM - Net Interest Margin
 NII - Net Interest Income
 NAV - Net Asset Value
 NII Act - Negotiable Instruments Act
 NPS - National Pension System
 NRE A/c - Non Resident External Account
 NRO A/c - Non Resident Ordinary Account
 NCLT - National Company Law Tribunal
 NSFR - Net Stable Funding Ratio
 NEER - Nominal Effective Exchange Rate

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Sreedhar’s CCE ABBREVIATIONS - FINANCE
 NACH - National Automated Clearing House
 NFS - National Financial Switch
 NETC – National Electronic Toll Collection
 NFC – Near Field Communication
 NSDL - National Securities Depository Ltd.
O
 OCB - Overseas Corporate Body
 OMO - Open Market Operations
 OFS - Offer for Sale
P
 PAN - Permanent Account Number
 PIN - Personal Identification Number
 PACS - Primary Agricultural Credit Society
 PoS - Point of Sale
 PSP – Payment Service Provider
 PIDF – Payments Infrastructure Development Fund
 PSA - Priority Sector Advance
 PIO - Person of Indian Origin
 PML Act - Prevention of Money Laundering Act
 PKI - Public Key Infrastructure
 PPI - Pre-Paid Payment Instrument
 PCA - Prompt Corrective Action
 PPP - Public Private Partnership
 PPP - Purchasing Power Parity
 PRAN - Permanent Retirement Account Number
 PCR - Public Credit Registry
 PEMI – Pre-Equated Monthly Instalment
 PSLC – Priority Sector Lending Certificate
 PFMS – Public Financial Management System
Q
 QIB - Qualified Institutional Buyer
 QIP - Qualified Institutional Placement
R
 REPO - Repurchase Agreement
 RIDF - Rural Infrastructure Development Fund
 RTGS - Real Time Gross Settlement
 REER - Real Effective Exchange Rate
 ROA - Return on Assets
 REIT - Real Estate Investment Trust
 ROE - Return on Equity
 RML - Reverse Mortgage Loan
 RDA - Rupee Drawing Arrangement
 RFID – Radio Frequency Identifier

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Sreedhar’s CCE ABBREVIATIONS - FINANCE
S
 SARFAESI - Securitization & Reconstruction of Financial Assets & Enforcement
of Security Interest
 STP – Straight Through Processing
 SCRA - Securities Contracts (Regulations) Act
 SHG - Self Help Group
 SLR - Statutory Liquidity Ratio
 SME - Small and Medium Enterprise
 SWIFT - Society for Worldwide Interbank Financial Telecommunication
 SEZ - Special Economic Zone
 SDR - Special Drawing Right
 STR - Suspicious Transaction Report
 SMA - Special Mention Account
 STT - Securities Transaction Tax
 SFMS - Structured Financial Messaging System
 SCORES – SEBI Complaints Redress System
 SIP - Systematic Investment Plan
 STP - Systematic Transfer Plan
 SWP - Systematic Withdrawal Plan
 SFIO – Serious Fraud Investigation Office
T
 TDR - Term Deposit Receipt
 TDS - Tax Deducted at Source
 T-Bill - Treasury Bill
 TAN - Tax Deduction & Collection Account Number
 TIN - Tax Information Network
U
 UPI - Unified Payment Interface
 UCB - Urban Co-Operative Bank
 ULIP - Unit Linked Insurance Plan
V
 VCF - Venture Capital Fund
 VAT - Value Added Tax
 VPA - Virtual Payment Address
W
 WPI - Wholesale Price Index
 WLA - White Label ATM
 WMA - Ways and Means Advance