| AAC | Academic Advisory Council |
| AACS | As Applicable to Cooperative Societies |
| ACU | Asian Clearing Union |
| AD | Authorised Dealer |
| ADF | Asset Development Fund |
| ADs | Aggregate Deposits |
| AD Cat-I | Authorised Dealer Category-I |
| ADSCR | Average Debt Service Coverage Ratio |
| AEs | Advanced Economies |
| AePS | Aadhaar Enabled Payment System |
| AI | Artificial Intelligence |
| AID | All-Inclusive Directions |
| AIDC | Agriculture Infrastructure and Development Cess |
| AIFs | Alternative Investment Funds |
| AIFIs | All India Financial Institutions |
| AML | Anti-Money Laundering |
| ANBC | Adjusted Net Bank Credit |
| AP | Authorised Person |
| APBS | Aadhaar Payment Bridge System |
| API | Application Programming Interface |
| APLMA | Asia Pacific Loan Markets Association |
| ARCs | Asset Reconstruction Companies |
| AREAER | Annual Report on Exchange Arrangements and Exchange Restrictions |
| ARMS | Audit and Risk Management Sub-Committee |
| ARR | Alternative Reference Rate |
| ASEAN | Association of Southeast Asian Nations |
| ASISO | Automated Sweep-In and Sweep-Out |
| ASM | Asia Small and Medium-Sized Enterprise Monitor |
| ATBs | Auction Treasury Bills |
| ATM | Automated Teller Machines |
| AUM | Assets Under Management |
| BBPOUs | Bharat Bill Payment Operating Units |
| BBPS | Bharat Bill Payment System |
| BCs | Business Correspondents |
| BCBS | Basel Committee of Banking Supervision |
| BC-ICT | Business Correspondents - Information and Communication Technology |
| BCM | Business Continuity Management |
| BCP | Business Continuity Plan |
| BD | Banking Department |
| BE | Budget Estimates |
| BFS | Board for Financial Supervision |
| BFSI | Banking, Financial Services and Insurance |
| BIS | Bank for International Settlements |
| BoJ | Bank of Japan |
| bps | Basis Points |
| BPSS | Board for Regulation and Supervision of Payment and Settlement Systems |
| BQR | Bharat Quick Response |
| BRBNMPL | Bharatiya Reserve Bank Note Mudran Private Limited |
| BRICS | Brazil, Russia, India, China and South Africa |
| B-SC | Building Sub-Committee |
| BTFP | BRICS Task Force on Payments |
| BUs | Business Units |
| CA | Concurrent Audit |
| CAFRAL | Centre for Advanced Financial Research and Learning |
| CAGR | Compound Annual Growth Rate |
| CBDC | Central Bank Digital Currency |
| CBDT | Central Board of Direct Taxes |
| CBIC | Central Board of Indirect Taxes and Customs |
| CC | Cash Credit |
| CCB | Committee of the Central Board |
| CCBs | Central Cooperative Banks |
| CCIL | Clearing Corporation of India Limited |
| CCO | Chief Compliance Officer |
| CCP | Central Counterparty |
| CDES | Currency Distribution and Exchange Scheme |
| CDs | Certificates of Deposit |
| CDS | Credit Default Swaps |
| CEOBE | Credit Equivalent of Off-Balance Sheet Exposure |
| CEPCs | Consumer Education and Protection Cells |
| CEPD | Consumer Education and Protection Department |
| CF | Contingency Fund |
| CFLs | Centres for Financial Literacy |
| CFR | Central Fraud Registry |
| CFSL | Centrum Financial Services Limited |
| CGA | Controller General of Accounts |
| CGD | Comprehensive Guidelines on Derivatives |
| CGFS | Committee on the Global Financial System |
| CGRA | Currency and Gold Revaluation Account |
| CICs | Credit Information Companies |
| CiC | Currency in Circulation |
| CIMS | Centralised Information Management System |
| CIRP | Corporate Insolvency Resolution Process |
| CIT | Cash in Transit |
| CLS | Continuous Linked Settlement |
| CMBs | Cash Management Bills |
| CMGs | Crisis Management Groups |
| CMIE | Centre for Monitoring Indian Economy |
| CMS | Complaint Management System |
| CMT | Crisis Management Team |
| CO | Central Office |
| CoC | Committee of Creditors |
| CODs | Central Office Departments |
| CoFT | Card-on-File Tokenisation |
| ConPI | Customer Protection Index |
| CoS | College of Supervisors |
| CP | Consumer Pyramid |
| CPFIR | Central Payments Fraud Information Registry |
| CPI | Consumer Price Index |
| CPI-AL | CPI for Agricultural Labourers |
| CPI-IW | CPI for Industrial Workers |
| CPI-RL | CPI for Rural Labourers |
| CPMI-IOSCO | Committee on Payments and Market Infrastructures-International Organisation of Securities Commissions |
| CPs | Commercial Papers |
| CPS | Centralised Payment System |
| CPWD | Central Public Works Department |
| CP-NBFCs | Commercial Paper Issuances by Non-Banking Financial Companies |
| CRILC | Central Repository of Information on Large Credits |
| CRM | Credit Risk Mitigation |
| CRPC | Centralised Receipt and Processing Centre |
| CRR | Cash Reserve Ratio |
| CSAA | Control Self-Assessment Audit |
| CSBD | Corporate Strategy and Budget Department |
| CSF | Consolidated Sinking Fund |
| CSGL | Centralised Subsidiary General Ledger |
| CSII | Colour Shift Intaglio Ink |
| CwP | Currency with the Public |
| DAP | Di Ammonium Phosphate |
| DBIE | Database on Indian Economy |
| DBT | Direct Benefit Transfer |
| DCCBs | District Central Cooperative Banks |
| DDs | Demand Drafts |
| DEA | Depositor Education and Awareness |
| DEIO | Department of External Investments and Operations |
| DEPR | Department of Economic and Policy Research |
| DGBA | Department of Government and Bank Accounts |
| DHFL | Dewan Housing Finance Ltd. |
| DICGC | Deposit Insurance and Credit Guarantee Corporation |
| DIF | Deposit Insurance Fund |
| DIT | Department of Information Technology |
| DMS | Document Management Software |
| DoC | Department of Communication |
| DoR | Department of Regulation |
| DoS | Department of Supervision |
| DoT | Department of Telecommunications |
| DPI | Digital Payments Index |
| DPSS | Department of Payment and Settlement Systems |
| DR | Disaster Recovery |
| DSCR | Debt Service Coverage Ratio |
| DSIM | Department of Statistics and Information Management |
| e-BAAT | Electronic Banking Awareness and Training |
| EBITDA | Earnings Before Interest, Taxes, Depreciation and Amortisation |
| EBR | Element-Based Repository |
| ECB | External Commercial Borrowings |
| ECCS | Express Cheque Clearing System |
| ECLGS | Emergency Credit Line Guarantee Scheme |
| ECS | Electronic Clearing Service |
| EDC | Executive Directors’ Committee |
| EDSP | Electronic Data Submission Portal |
| EFD | Enforcement Department |
| EFI | External Funded Institutions |
| EIAD | Employee Interface and Analytics Division |
| EMDEs | Emerging Market and Developing Economies |
| EMEs | Emerging Market Economies |
| eNWRs | Electronic Negotiable Warehouse Receipts |
| EoI | Expression of Interest |
| EPFO | Employees’ Provident Fund Organisation |
| ERM | Enterprise-wide Risk Management |
| ESIC | Employees’ State Insurance Corporation |
| ETCD | Exchange Traded Currency Derivatives |
| ETR | Effective Corporate Tax Rate |
| EWI | Early Warning Indicator |
| EWS | Early Warning Signals |
| EXIM | Export Import Bank of India |
| FAQs | Frequently Asked Questions |
| FAR | Fully Accessible Route |
| FASAL | Forecasting Agricultural Output using Space, Agro-Meteorology and Land-based Observations |
| FATF | Financial Action Task Force |
| FBIL | Financial Benchmark India Pvt. Ltd |
| FCA | Foreign Currency Asset |
| FCBD | Finance and Central Bank Deputies |
| FCBs | Foreign Central Bank |
| FCNR(B) | Foreign Currency Non-Resident Account (Bank) |
| FCS-OIS | Foreign Currency Settled Overnight Indexed Swap |
| FCVA | Foreign Exchange Forward Contracts Valuation Account |
| FC-XV | 15th Finance Commission |
| FCY ECB | Foreign Currency External Commercial Borrowings |
| FDI | Foreign Direct Investment |
| FE | Final Estimate |
| FED | Foreign Exchange Department |
| FEMA | Foreign Exchange Management Act |
| FFMCs | Full-Fledged Money Changers |
| FER | Foreign Exchange Reserves |
| FETERS | Foreign Exchange Transactions Electronic Reporting System |
| FIs | Financial Institutions |
| FICNs | Fake Indian Currency Notes |
| FIDD | Financial Inclusion and Development Department |
| FIF | Financial Inclusion Fund |
| FI-Index | Financial Inclusion Index |
| FinTech | Financial Technology |
| FIPs | Financial Inclusion Plans |
| FLA | Foreign Liabilities and Assets |
| FLCs | Financial Literacy Centres |
| FLW | Financial Literacy Week |
| FMCBG | Finance Ministers and Central Bank Governors |
| FMCG | Fast Moving Consumer Goods |
| FMOD | Financial Markets Operations Department |
| FMRD | Financial Markets Regulation Department |
| FPI | Foreign Portfolio Investment |
| FPOs | Follow-on Public Offers |
| FRB | Floating Rate Bonds |
| FRSB | Floating Rate Savings Bonds |
| FSB | Financial Stability Board |
| FSDC | Financial Stability and Development Council |
| FSDC-SC | Financial Stability and Development Council - Sub-Committee |
| FSR | Financial Stability Report |
| FSU | Financial Stability Unit |
| G-20 | Group of Twenty |
| GC | Governing Council |
| GCCs | General Credit Cards |
| GCF | Gross Capital Formation |
| GDAL | Granular Data Access Lab |
| GDP | Gross Domestic Product |
| GFC | Global Financial Crisis |
| GFCF | Gross Fixed Capital Formation |
| GFD | Gross Fiscal Deficit |
| GFSN | Global Financial Safety Net |
| GML | Gold (Metal) Loans |
| GMS | Gold Monetisation Scheme |
| GNDI | Gross National Disposable Income |
| GNPA | Gross Non-Performing Asset |
| GoI | Government of India |
| GRF | Guarantee Redemption Fund |
| GRIHA | Green Rating for Integrated Habitat Assessment |
| GRQ | General Review of Quotas |
| G-SAP | G-sec Acquisition Programme |
| GSCDCI | Global Supply Chain Disruption Cost Index |
| GSDP | Gross State Domestic Product |
| G-sec | Government Securities |
| GSLBM | Government Security Lending and Borrowing Mechanism |
| GST | Goods and Services Taxes |
| GUARD | Governance Oversight, Utile Technology Investment, Appropriate Regulation and Supervision, Robust Collaboration, and Developing necessary IT, cyber security skills set |
| GVA | Gross Value Added |
| GVCs | Global Value Chains |
| HFCs | Housing Finance Companies |
| HO | Head Office |
| HRMD | Human Resource Management Department |
| HRM-SC | Human Resource Management Sub-Committee |
| IADI | International Association of Deposit Insurers |
| IAMs | Integrated Assessment Models |
| IBA | Indian Banks’ Association |
| IBS | International Banking Statistics |
| ICAI | Institute of Chartered Accountants of India |
| ICAR | Indian Council of Agricultural Research |
| ICEGATE | Indian Customs Electronic Gateway |
| ICT | Information and Communication Technology |
| ID | International Department |
| IDMD | Internal Debt Management Department |
| IEO | Independent Evaluation Office |
| IESH | Inflation Expectation Survey of Households |
| IFA | International Financial Architecture |
| IFA WG | International Financial Architecture Working Group |
| IFSC | Indian Financial System Code |
| IFSCs | International Financial Services Centres |
| IFTAS | Indian Financial Technologies and Allied Services |
| IGBC | Indian Green Building Council |
| IGIDR | Indira Gandhi Institute of Development Research |
| IIASA | International Institute for Applied Systems Analysis |
| IIBM | Indian Institute of Bank Management |
| IIFC | India Infrastructure Finance Company |
| IIP | Index of Industrial Production |
| IMF | International Monetary Fund |
| IMFC | International Monetary and Financial Committee |
| IMPS | Immediate Payment Service |
| Ind-AS | Indian Accounting Standards |
| InvITS | Infrastructure Investment Trusts |
| IO | Internal Ombudsman |
| IOS | Industrial Outlook Survey |
| IoT | Internet of Things |
| IPL | Indian Premier League |
| IPO | Initial Public Offering |
| IPP | Intellectual Property Products |
| IRA | Investment Revaluation Accounts |
| IRACP | Income Recognition, Asset Classification and Provisioning |
| IRA-FS | Investment Revaluation Account-Foreign Securities |
| IRA-RS | Investment Revaluation Account-Rupee Securities |
| IRD | Interest Rate Derivatives |
| IRIS | Integrated Risk Monitoring and Incident Reporting System |
| IRRS | Integrated Rajbhasha Reporting System |
| ISDA | International Swaps and Derivatives Association |
| IT | Information Technology |
| ITES | Information Technology-Enabled Services |
| IT-SC | Information Technology Sub-Committee |
| ITBs | Intermediate Treasury Bills |
| IVR | Inter-active Voice Response |
| IWG | Infrastructure Working Group |
| IWG | Internal Working Group |
| JTCC | Joint Technical Coordination Committee |
| KBC | Kaun Banega Crorepati |
| KLEMS | Capital(K), Labour(L), Energy(E), Material(M) and Services(S) |
| KCC | Kisan Credit Card |
| KPI | Key Performance Indicators |
| KRIs | Key Risk Indicators |
| kWp | Kilowatts Peak |
| KYC | Know Your Customer |
| LAB | Local Area Banks |
| LAF | Liquidity Adjustment Facility |
| LAI | Leaf Area Index |
| LBMA | London Bullion Market Association |
| LEF | Large Exposure Framework |
| LEI | Legal Entity Identifier |
| LEIL | Legal Entity Identifier India Ltd. |
| LEs | Legal Entities |
| LIBOR | London Inter-Bank Offered Rate |
| LMS | Learning Management System |
| LPA | Long Period Average |
| LPG | Liquefied Petroleum Gas |
| LRS | Liberalised Remittance Scheme |
| M3 | Money Supply |
| MAF | Medical Assistance Fund |
| MANI | Mobile Aided Note Identifier |
| MAS | Monetary Authority of Singapore |
| MA-SAAR | Moving Average of Seasonally Adjusted Annualised Growth Rate |
| MCLR | Marginal Cost of Funds-based Lending Rate |
| MD | Managing Director |
| MEM | Marginal Effect at Means |
| MFIs | Microfinance Institutions |
| MI | Market Intelligence |
| MIFOR | Mumbai Interbank Forward Outright Rate |
| MIS | Management Information System |
| ML | Machine Learning |
| MLTGD | Medium- and Long-Term Government Deposit |
| MoE | Memorandum of Error |
| MoF | Ministry of Finance |
| MoSPI | Ministry of Statistics and Programme Implementation |
| MoU | Memorandum of Understanding |
| MPC | Monetary Policy Committee |
| MPOR | Margin Period of Risk |
| MSEs | Micro and Small Enterprises |
| MSF | Marginal Standing Facility |
| MSPs | Minimum Support Prices |
| MTDS | Medium-Term Debt Management Strategy |
| MTF | Medium Term Framework |
| MTSS | Money Transfer Service Schemes |
| NABARD | National Bank for Agriculture and Rural Development |
| NACH | National Automated Clearing House |
| NAFCUB | National Federation of Urban Cooperative Banks and Credit Societies Ltd. |
| NARCL | National Asset Reconstruction Company |
| NBFC | Non-Banking Financial Company |
| NBFC-D | Deposit taking NBFCs |
| NBFC-MFIs | Non-Banking Financial Company-Microfinance Institutions |
| NBFC-ND | Non-Deposit taking NBFCs |
| NBFI | Non-Banking Financial Institutions |
| NCCDs | Non-Centrally Cleared Derivatives |
| NCDs | Non-Convertible Debentures |
| NCFE | National Centre for Financial Education |
| NCLT | National Company Law Tribunal |
| NDA | Net Domestic Assets |
| NDCs | Nationally Determined Contributions |
| NDF | Non-Deliverable Forward |
| NDI | Non-Debt Instrument |
| NDTL | Net Demand and Time Liabilities |
| NDS-OM | Negotiated Dealing System-Order Matching |
| NDVI | Normalised Difference Vegetation Index |
| NEER | Nominal Effective Exchange Rate |
| NEFT | National Electronic Funds Transfer |
| NEM | North-east Monsoon |
| NeTC | National Electronic Toll Collection |
| NETS | Network for Electronic Transfers |
| NFA | Net Foreign Assets |
| NFC | Non-Food Credit |
| NFC | Near Field Communication |
| NFS | National Financial Switch |
| NFSA | National Food Security Act |
| NGFS | Network for Greening of the Financial System |
| NHB | National Housing Bank |
| NIBM | National Institute of Bank Management |
| NIM | Net Interest Margin |
| NIPL | NPCI International Private Limited |
| NOF | Net Owned Funds |
| NPA | Note Purchase Agreement |
| NPA | Non-Performing Assets |
| NPCI | National Payments Corporation of India |
| NPS | National Pension Scheme |
| NSFE | National Strategy for Financial Education |
| NSFI | National Strategy for Financial Inclusion |
| NSSF | National Small Savings Fund |
| NSO | National Statistical Office |
| NWRs | Negotiable Warehouse Receipts |
| OBC | Other Backward Classes |
| OBICUS | Order Books, Inventories and Capacity Utilisation Survey |
| OD | Overdraft |
| ODI | Overseas Direct Investment |
| OECD | Organisation for Economic Co-operation and Development |
| OFC | Optical Fibre Cable |
| OLIC | Official Language Implementation Committee |
| OLS | Ordinary Least Squares |
| OMBs | Open Market Borrowings |
| OMOs | Open Market Operations |
| OPEC | Organisation of Petroleum Exporting Countries |
| OPEC+ | Organisation of Petroleum Exporting Countries and allies |
| ORBIOs | Offices of the Reserve Bank of India Ombudsmen |
| OT | Operation Twist |
| OTC | Over the Counter |
| PA | Provisional Accounts |
| PADO | Public Administration, Defence and Other Services |
| PAT | Profit After Tax |
| PBs | Payments Banks |
| PBDIT | Profit Before Depreciation, Interest and Tax |
| PCA | Prompt Corrective Action |
| PDs | Primary Dealers |
| PDL | Polynomial Distributed Lag |
| PDS | Public Distribution System |
| PFCE | Private Final Consumption Expenditure |
| PFCVA | Provision for Forward Contracts Valuation Account |
| PFMIs | Principles for Financial Market Infrastructure |
| PFMS | Public Financial Management System |
| PIDF | Payments Infrastructure Development Fund |
| PIRP | Pre-Packaged Insolvency Resolution Process |
| PLFS | Periodic Labour Force Survey |
| PLI | Production-Linked Incentive |
| PMC | Punjab and Maharashtra Cooperative Bank |
| PMGKAY | Pradhan Mantri Garib Kalyan Anna Yojana |
| PMI | Purchasing Managers’ Index |
| PML | Prevention of Money Laundering |
| PM SVANidhi | Prime Minister Street Vendor’s AatmaNirbhar Nidhi |
| PPAC | Petroleum Planning and Analysis Cell |
| PO | Project Office |
| POs | Payment Orders |
| POS | Point of Sale |
| PPIs | Prepaid Payment Instruments |
| PRAKALP | Pratayaksh Kar Lekhankan Pranali |
| PSBs | Public Sector Banks |
| PSL | Priority Sector Lending |
| PSLCs | Priority Sector Lending Certificates |
| PSOs | Payment System Operators |
| PSPs | Payment Service Providers |
| PSS | Payment and Settlement Systems |
| PSUs | Public Sector Undertakings |
| PWBD | Persons with Benchmark Disabilities |
| QAD | Quality Assurance Division |
| QIP | Qualified Institutional Placement |
| QPM | Quarterly Projection Model |
| QR | Quick Response |
| RAM-OR | Risk Assessment Methodology for Operational Risk |
| RBA | Risk-Based Approach |
| RBI | Reserve Bank of India |
| RBIA | Risk Based Internal Audit |
| RBIEPF | Reserve Bank of India Employees Provident Fund |
| RBIH | Reserve Bank Innovation Hub |
| RB-IOS | Reserve Bank-Integrated Ombudsman Scheme |
| RBI-RD | Reserve Bank of India-Retail Direct |
| RBP | Risk Based Premium |
| RBR | Return-Based Repository |
| RBS | Risk-Based Supervision |
| RCA | Root Cause Analysis |
| RCG-Asia | Regional Consultative Group, Asia |
| RCL | Reliance Capital Ltd |
| RDG | Retail Direct Gilt |
| RE | Revised Estimates |
| ReBIT | Reserve Bank Information Technology Private Limited |
| RECO | Revenue Expenditure to Capital Outlay |
| REER | Real Effective Exchange Rate |
| REIT | Real Estate Investment Trusts |
| REs | Regulated Entities |
| RFCA | Revaluation of Forward Contracts Account |
| RFID | Radio Frequency Identification |
| RIDF | Rural Infrastructure Development Fund |
| RM | Reserve Money |
| RMC | Risk Monitoring Committee |
| RMD | Risk Monitoring Department |
| ROs | Regional Offices |
| RPA | Robotic Process Automation |
| RRBs | Regional Rural Banks |
| RTGS | Real Time Gross Settlement |
| RTI | Right to Information |
| RTL | Risk Tolerance Limits |
| RTO | Recovery Time Objective |
| RTP | Reserve Tranche Position |
| RT-PCR | Reverse Transcription - Polymerase Chain Reaction |
| SAA | Swap Amortisation Account |
| SAP | Systems Applications and Products |
| SAs | Statutory Auditors |
| SAAR | Seasonally Adjusted Annualised Growth Rate |
| SAARC | South Asian Association of Regional Cooperation |
| SARFAESI Act | Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest Act |
| SARTTAC | South Asian Regional Training and Technical Assistance Centre |
| SBR | Scale-Based Regulation |
| SBS | Shredding and Briquetting Systems |
| SCAs | Statutory Central Auditors |
| SCBs | Scheduled Commercial Banks |
| SDF | Special Drawing Facility |
| SDG | Sustainable Development Goals |
| SDLs | State Development Loans |
| SDMX | Statistical Data and Metadata Exchange |
| SDRs | Special Drawing Rights |
| SEs | Supervised Entities |
| SEACEN | South East Asian Central Banks |
| SEBI | Securities and Exchange Board of India |
| SEFL | SREI Equipment Finance Limited |
| SEZ | Special Economic Zone |
| SFBs | Small Finance Banks |
| SFG | Sustainable Finance Group |
| SFMS | Structured Financial Messaging System |
| SGB | Sovereign Gold Bond |
| SGL | Subsidiary General Ledger |
| SHGs | Self-Help Groups |
| SIDBI | Small Industries Development Bank of India |
| SIFL | SREI Infrastructure Finance Limited |
| SIOS | Services and Infrastructure Outlook Survey |
| SIP | Systematic Investment Plan |
| SLBC | State Level Bankers Committee |
| SLCCs | State Level Coordination Committees |
| SLD | Senior Level Dialogue |
| SLR | Statutory Liquidity Ratio |
| SLTRO | Special Long Term Repo Operation |
| SMA | Special Mention Account |
| SMEs | Small and Medium Enterprises |
| SOFR | Secured Overnight Financing Rate |
| SONIA | Sterling Overnight Index Average |
| SOP | Standard Operating Procedure |
| SPARSH | System of Pension Administration (Raksha) |
| SPDs | Standalone Primary Dealers |
| SPECTRA | Software Platform for External Commercial Borrowings and Trade Credits Reporting and Approval |
| SPMCIL | Security Printing and Minting Corporation of India Limited |
| SRO | Self-Regulatory Organisation |
| SRS | System Requirement Study |
| S-SC | Strategy Sub-Committee |
| SSCI | Services Sector Composite Index |
| StCBs | State Cooperative Banks |
| STRIPS | Separate Trading of Registered Interest and Principal Securities |
| SWIFT | Society for Worldwide Interbank Financial Telecommunication |
| SWM | South-West Monsoon |
| TACS | Technical Advisory Committee in Surveys |
| T-Bills | Treasury Bills |
| TCs | Trade Credits |
| TEs | Training Establishments |
| TIN | Tax Information System |
| TLTROs | Targeted Long Term Repo Operations |
| TOL/ATNW | Total Outside Liabilities-Adjusted |
| Ratio | Tangible Net Worth Ratio |
| TOP | Tomatoes, Onions and Potatoes |
| TReDS | Trade Receivables Discounting System |
| TSA | Treasury Single Account |
| TSCAs | Time-Sensitive Critical Activities |
| UAM | Udyog Aadhaar Memorandum |
| UAT | User Acceptance Testing |
| UCBs | Urban Cooperative Banks |
| UDAY | Ujwal DISCOM Assurance Yojana |
| UN | United Nations |
| UO | Umbrella Organisation |
| UPI | Unified Payment Interface |
| USFB | Unity Small Finance Bank Limited |
| UTs | Union Territories |
| UTI | Unique Transaction Identifier |
| VaR/ES | Value at Risk/Expected Shortfall |
| VAT | Value Added Tax |
| V-CIP | Video-based Customer Identification Process |
| VFT | Value Free Transfer |
| VIR | Visually Impaired Respondents |
| VM | Variation Margin |
| VRR | Voluntary Retention Route |
| VRRR | Variable Rate Reverse Repo |
| VTAs | Voluntary Trading Arrangements |
| WACR | Weighted Average Call Rate |
| WAM | Weighted Average Maturity |
| WAS | Weighted Average Spread |
| WAY | Weighted Average Yield |
| WLA | White Label ATM |
| WMA | Ways and Means Advances |
| WPI | Wholesale Price Index |
| WTD | Whole-Time Director |
| WTO | World Trade Organisation |
| WWF | World-Wide Fund for Nature |
| XBRL | eXtensible Business Reporting Language |
| ZCYC | Zero Coupon Yield Curve |
| ZTCs | Zonal Training Centres |