| ACU | Asian Clearing Union |
| AD | Authorised Dealer |
| ADF | Asset Development Fund |
| AD Cat-I | Authorised Dealer Category-I |
| ADEPT | Automated Data Extraction Project |
| AEs | Advanced Economies |
| AePS | Aadhaar Enabled Payment System |
| ATFC | Advisory Task Force on the Codes |
| AGR | Alternate Grievance Redress |
| AI | Artificial Intelligence |
| AIDs | All-Inclusive Directions |
| AIDC | Agriculture Infrastructure and Development Cess |
| AIFIs | All India Financial Institutions |
| AML | Anti-Money Laundering |
| AML-CFT | Anti-Money Laundering-Combating the Financing of Terrorism |
| ANBC | Adjusted Net Bank Credit |
| AP | Authorised Person |
| APBS | Aadhaar Payment Bridge System |
| API | Application Programming Interface |
| APRA | Australian Prudential Regulation Authority |
| ARCs | Asset Reconstruction Companies |
| AREAER | Annual Report on Exchange Arrangements and Exchange Restrictions |
| ARMS | Audit and Risk Management Sub-Committee |
| ASAG | Advanced Supervisory Analytics Group |
| ASEAN | Association of Southeast Asian Nations |
| ATBs | Auction Treasury Bills |
| ATM | Automated Teller Machine |
| AUM | Assets Under Management |
| BBPOUs | Bharat Bill Payment Operating Units |
| BBPS | Bharat Bill Payment System |
| BC | Banking Capital |
| BCs | Business Correspondents |
| BCBS | Basel Committee on 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 |
| BI | Bank of Indonesia |
| BIS | Bank for International Settlements |
| BNPL | Buy Now Pay Later |
| BoE | Bank of England |
| BoJ | Bank of Japan |
| BoP | Balance of Payments |
| BPM | Business Process Management |
| 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 |
| BSBDA | Basic Savings Bank Deposit Account |
| B-SC | Building Sub-Committee |
| BSE | Bombay Stock Exchange |
| BSR | Basic Statistical Return |
| CA | Concurrent Audit |
| CAB | College of Agricultural Banking |
| CAD | Current Account Deficit |
| CAFRAL | Centre for Advanced Financial Research and Learning |
| CAGR | Compound Annual Growth Rate |
| CaMS | Case Management System |
| CBDC | Central Bank Digital Currency |
| CBDT | Central Board of Direct Taxes |
| CBIC | Central Board of Indirect Taxes and Customs |
| CBP | Capacity Building Programme |
| CBSE | Central Board of Secondary Education |
| CBSL | Central Bank of Sri Lanka |
| CC | Cash Credit |
| CCB | Committee of the Central Board |
| CCBs | Central Cooperative Banks |
| CCIL | Clearing Corporation of India Limited |
| CCIR | Comprehensive Credit Information Repository |
| CCO | Chief Compliance Officer |
| CCP | Central Counterparty |
| CCS | Consumer Confidence Survey |
| CDES | Currency Distribution and Exchange Scheme |
| CDs | Certificates of Deposit |
| CDBMS | Centralised Database Management System |
| CEO | Chief Executive Officer |
| CEOBE | Credit Equivalent of Off-Balance Sheet Exposure |
| CEPD | Consumer Education and Protection Department |
| CERT-IN | Computer Emergency Response Team - India |
| CERSAI | Central Registry of Securitisation Asset Reconstruction and Security Interest of India |
| CET-1 | Common Equity Tier-1 |
| CF | Contingency Fund |
| CFLs | Centres for Financial Literacy |
| CFR | Central Fraud Registry |
| CGA | Controller General of Accounts |
| CGFS | Committee on the Global Financial System |
| CGRA | Currency and Gold Revaluation Account |
| CIBIL | Credit Information Bureau (India) Limited |
| CiC | Currency in Circulation |
| CICERO | Centre for International Climate Research |
| CII | Critical Information Infrastructure |
| CIIE | Centre for Innovation Incubation and Entrepreneurship |
| CIMS | Centralised Information Management System |
| CISBI | Centralised Information System for Banking Infrastructure |
| CISCE | Council for the Indian School Certificate Examinations |
| CISO | Chief Information Security Officer |
| CKYCR | Central KYC Records Registry |
| CLS | Continuous Linked Settlement |
| CMBs | Cash Management Bills |
| CMIE | Centre for Monitoring Indian Economy |
| CMS | Complaint Management System |
| CODs | Central Office Departments |
| CoF | Card-on-File |
| CoFT | Card-on-File Tokenisation |
| CoPI | Consumer Protection Index |
| COR | Certificate of Registration |
| CoS | College of Supervisors |
| CP | Consumer Pyramid |
| CPFIR | Central Payments Fraud Information Registry |
| CPHS | Consumer Pyramid Expenditure Survey |
| 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 |
| CPSEs | Central Public Sector Enterprises |
| CPWD | Central Public Works Department |
| CRA | Contingent Reserve Arrangement |
| CRE-RH | Commercial Real Estate - Residential Housing |
| CRILC | Central Repository of Information on Large Credits |
| CRO | Chief Risk Officer |
| CRPC | Centralised Receipt and Processing Centre |
| CRAR | Capital to Risk-Weighted Assets Ratio |
| CRR | Cash Reserve Ratio |
| CSAA | Control Self-Assessment Audit |
| CSBD | Corporate Strategy and Budget Department |
| CSF | Consolidated Sinking Fund |
| CSI | Current Situation Index |
| CSII | Colour Shift Intaglio Ink |
| CSS | Centrally Sponsored Scheme |
| CTS | Cheque Truncation System |
| CU | Capacity Utilisation |
| CUB | Closed User Group |
| CwP | Currency with the Public |
| DBIE | Database on Indian Economy |
| DBT | Direct Benefit Transfer |
| DBU | Digital Banking Unit |
| DCCBs | District Central Cooperative Banks |
| DDs | Demand Drafts |
| DEA | Depositors’ Education and Awareness |
| DEAF | Depositor Education Awareness Fund |
| DEIO | Department of External Investments and Operations |
| DEPR | Department of Economic and Policy Research |
| DFI | Development Financial Institution |
| DGBA | Department of Government and Bank Accounts |
| DGFT | Directorate General of Foreign Trade |
| DICGC | Deposit Insurance and Credit Guarantee Corporation |
| DIF | Deposit Insurance Fund |
| DIS | Deposit Insurance System |
| DISCOM | Distribution Companies |
| DIT | Department of Information Technology |
| DLP | Digital Lending Partner |
| DoC | Department of Communication |
| DoR | Department of Regulation |
| DoS | Department of Supervision |
| DPPF | Digital Payments Protection Fund |
| DPI | Digital Payments Index |
| DPSS | Department of Payment and Settlement Systems |
| DR | Disaster Recovery |
| DSIM | Department of Statistics and Information Management |
| e₹ | Digital Rupee |
| EAP | Employee Assistance Programme |
| e-BAAT | Electronic Banking Awareness and Training |
| EBITDA | Earnings Before Interest, Taxes, Depreciation and Amortisation |
| EBLR | External Benchmark-based Lending Rate |
| EBR | Element-Based Repository |
| ECB | External Commercial Borrowings |
| EC/EDI | Electronic Commerce/Electronic Data interchange |
| ECL | Expected Credit Loss |
| ECLGS | Emergency Credit Line Guarantee Scheme |
| ECS | Electronic Clearing Service |
| EDC | Executive Directors’ Committee |
| EDDPE | Expanding and Deepening of Digital Payment Ecosystem |
| EFD | Enforcement Department |
| EFI | External Funded Institutions |
| EGRC | Enterprise Governance Risk and Compliance |
| EKP | Enterprise Knowledge Portal |
| EL | Expected Loss |
| EMDEs | Emerging Market and Developing Economies |
| EMEs | Emerging Market Economies |
| EoI | Expression of Interest |
| EOL | Exchange of Letter |
| EPFO | Employees’ Provident Fund Organisation |
| ER&D | Engineering Research and Design |
| ERM | Enterprise-wide Risk Management |
| ETCD | Exchange Traded Currency Derivatives |
| ETP | Electronic Trading Platform |
| EU | European Union |
| EWI | Early Warning Indicator |
| EWS | Early Warning Signals |
| FAE | First Advance Estimates |
| FAQs | Frequently Asked Questions |
| FAR | Fully Accessible Route |
| FALLCR | Facility to Avail Liquidity for Liquidity Coverage Ratio |
| FBIL | Financial Benchmark India Pvt. Ltd. |
| FC | Financial Conglomerate |
| FC | Finance Commission |
| FCA | Foreign Currency Asset |
| FCBD | Finance and Central Bank Deputies |
| FCB | 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 |
| FDI | Foreign Direct Investment |
| FE | Final Estimate |
| FED | Foreign Exchange Department |
| FEMA | Foreign Exchange Management Act |
| FER | Foreign Exchange Reserves |
| FI-Index | Financial Inclusion Index |
| FIs | Financial Intermediaries |
| FICNs | Fake Indian Currency Notes |
| FIDD | Financial Inclusion and Development Department |
| FIF | Financial Inclusion Fund |
| FI-Index | Financial Inclusion Index |
| FinTech | Financial Technology |
| FIP | Financial Information Provider |
| FIU | Financial Information User |
| FLA | Foreign Liabilities and Assets |
| FLCs | Financial Literacy Centres |
| FLW | Financial Literacy Week |
| FMCG | Fast Moving Consumer Goods |
| FMCBG | Finance Ministers and Central Bank Governors |
| FMOD | Financial Markets Operations Department |
| FMR | Fraud Monitoring Return |
| FMRD | Financial Markets Regulation Department |
| FMRS | Fraud Risk Management System |
| FOMC | Federal Open Market Committee |
| Forex | Foreign Exchange |
| FPI | Foreign Portfolio Investment |
| FPOs | Follow-on Public Offers |
| FPS | Fast Payment Systems |
| FRBs | Floating Rate Bonds |
| FRM | Fraud Risk Mitigation |
| FRRR | Fixed Rate Reverse Repo |
| FSAP | Financial Sector Assessment Programme |
| 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 |
| FSWM | Financially Sound and Well Managed |
| FTP | Foreign Trade Policy |
| FWG | Framework Working Group |
| G-20 | Group of Twenty |
| G-24 | Group of Twenty-Four |
| G-30 | Group of Thirty |
| GBP | Green Bond Principles |
| GCC | Gulf Cooperation Council |
| GCCs | General Credit Cards |
| GCF | Gross Capital Formation |
| GCM | Governance and Compliance Manager |
| GDP | Gross Domestic Product |
| GENCOs | Generation Companies |
| GFCE | Government Final Consumption Expenditure |
| GFCF | Gross Fixed Capital Formation |
| GFD | Gross Fiscal Deficit |
| GFSN | Global Financial Safety Net |
| GFWC | Green Finance Working Committee |
| GIFs | Graphics Interchange Formats |
| GIFT-City | Gujarat International Finance Tec-City |
| GLP | Gross Loan Portfolio |
| GNDI | Gross National Disposable Income |
| GNPA | Gross Non-Performing Asset |
| GoI | Government of India |
| GPFI | Global Partnership for Financial Inclusion |
| GRF | Guarantee Redemption Fund |
| GRIHA | Green Rating for Integrated Habitat Assessment |
| GSDP | Gross State Domestic Product |
| GST | Goods and Services Taxes |
| GSTR | GST Returns |
| GSTN | Goods and Services Tax Network |
| G-secs | Government Securities |
| GVA | Gross Value Added |
| GVCs | Global Value Chains |
| GW | Gigawatt |
| HFCs | Housing Finance Companies |
| HFIs | High Frequency Indicators |
| HQLA | High Quality Liquid Asset |
| HRMD | Human Resource Management Department |
| HRM-SC | Human Resource Management Sub-Committee |
| HS | Harmonised System |
| HTM | Held to Maturity |
| IADI | International Association of Deposit Insurers |
| IBA | Indian Banks' Association |
| IBU | IFSC Banking Units |
| ICCW | Interoperable Card-less Cash Withdrawal |
| ICEGATE | Indian Customs Electronic Gateway |
| ICMA | International Capital Markets Association |
| ICT | Information and Communication Technology |
| ID | International Department |
| IDMD | Internal Debt Management Department |
| IEAI | Inflation Expectations Anchoring Index |
| IFA | International Financial Architecture |
| IFA WG | International Financial Architecture Working Group |
| IFC | International Finance Corporation |
| IFR | Investment Fluctuation Reserves |
| IFRS | International Financial Reporting Standards |
| IFSCA | International Financial Services Centres Authority |
| IFSC | Indian Financial System Code |
| IFTAS | Indian Financial Technologies and Allied Services |
| IGBC | Indian Green Building Council |
| IGIDR | Indira Gandhi Institute of Development Research |
| IIBM | Indian Institute of Bank Management |
| IIFC | India Infrastructure Finance Company |
| IIBX | India International Bullion Exchange |
| IIP | Index of Industrial Production |
| IMD | India Meteorological Department |
| IMF | International Monetary Fund |
| IMFC | International Monetary and Financial Committee |
| IMPS | Immediate Payment Service |
| INB | Internet Banking |
| Ind-AS | Indian Accounting Standards |
| InFiNet | Indian Financial Network |
| INR | Indian Rupee |
| IO | Internal Ombudsman |
| IoRS | Inter-Operable Regulatory Sandbox |
| IOS | Industrial Outlook Survey |
| IoT | Internet of Things |
| IPL | Indian Premier League |
| IPO | Initial Public Offering |
| 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 |
| IRDAI | Insurance Regulatory and Development Authority of India |
| IRIS | Integrated Risk Monitoring and Incident Reporting System |
| IRRS | Integrated Rajbhasha Reporting System |
| IRS | Interest Rate Swap |
| iSOC | Integrated Security Operation Centre |
| ISPI | Index of Supply Chain Pressures for India |
| IT | Information Technology |
| ITBS | Information Technology, Telecom and Business Services |
| IT-SC | Information Technology Sub-Committee |
| ITBs | Intermediate Treasury Bills |
| IVRS | Inter-active Voice Response System |
| IWG | Internal Working Group |
| KLEMS | Capital(K), Labour(L), Energy(E), Material(M) and Services(S) |
| KCC | Kisan Credit Card |
| KMP | Key Managerial Personnel |
| KRIs | Key Risk Indicators |
| kWp | Kilowatts Peak |
| KYC | Know Your Customer |
| LABs | Local Area Banks |
| LAF | Liquidity Adjustment Facility |
| LBMA | London Bullion Market Association |
| LCR | Liquidity Coverage Ratio |
| LEF | Large Exposure Framework |
| LEI | Legal Entity Identifier |
| LEs | Legal Entities |
| LFPR | Labour Force Participation Rate |
| LIBOR | London Inter-Bank Offered Rate |
| LMI | Low and Middle-Income |
| LPA | Long Period Average |
| LPG | Liquefied Petroleum Gas |
| LPS | Late Payment Surcharge |
| LPSS | Lightweight Payment and Settlement System |
| LRS | Liberalised Remittance Scheme |
| LSF | Late Submission Fee |
| M3 | Money Supply |
| MAF | Medical Assistance Fund |
| MANI | Mobile Aided Note Identifier |
| MAS | Monetary Authority of Singapore |
| MCA | Ministry of Corporate Affairs |
| MCLR | Marginal Cost of Funds-based Lending Rate |
| MCV | Mobile Coin Van |
| MDs | Master Directions |
| ME | Mutual Evaluation |
| MFIs | Microfinance Institutions |
| MGNREGS | Mahatma Gandhi National Rural Employment Guarantee Scheme |
| MIBOR | Mumbai Interbank Offered Rate |
| MIFOR | Mumbai Interbank Forward Outright Rate |
| MMA | Maldives Monetary Authority |
| MMIFOR | Modified MIFOR |
| MIS | Management Information System |
| ML | Machine Learning |
| MM | Money Multiplier |
| MNBCs | Miscellaneous Non-Banking Companies |
| MoF | Ministry of Finance |
| MoSPI | Ministry of Statistics and Programme Implementation |
| MoU | Memorandum of Understanding |
| MPC | Monetary Policy Committee |
| MSF | Marginal Standing Facility |
| MSME | Micro, Small and Medium Enterprises |
| 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 |
| NBFC | Non-Banking Financial Company |
| NBFC-BL | NBFC Base Layer |
| NBFC-ML | NBFC Middle Layer |
| NBFC-UL | NBFC Upper Layer |
| NBFC-TL | NBFC Top Layer |
| NBFC-ND | Non-Deposit taking NBFCs |
| NBFI | Non-Banking Financial Institutions |
| NCCDs | Non-Centrally Cleared Derivatives |
| NCERT | National Council of Educational Research and Training |
| NCFE | National Centre for Financial Education |
| NCGTC | National Credit Guarantee Trustee Company Ltd. |
| NCIIPC | National Critical Information Infrastructure Protection Centre |
| NDA | Net Domestic Assets |
| NDCs | Nationally Determined Contributions |
| NDI | Non-Debt Instrument |
| NDTL | Net Demand and Time Liabilities |
| NEER | Nominal Effective Exchange Rate |
| NEFT | National Electronic Funds Transfer |
| NeTC | National Electronic Toll Collection |
| NETS | Network for Electronic Transfers |
| NFA | Net Foreign Assets |
| NFC | Non-Food Credit |
| NFS | National Financial Switch |
| NFSA | National Food Security Act |
| NGFS | Network for Greening of the Financial System |
| NGTA | Next Generation Treasury Application |
| NHB | National Housing Bank |
| NIAP | Nationwide Intensive Awareness Programme |
| NIBM | National Institute of Bank Management |
| NIM | Net Interest Margin |
| NIPL | NPCI International Private Limited |
| NISM | National Institute of Securities Markets |
| NLP | Natural Language Processing |
| NLP | National Logistics Policy |
| NNML | Net Non-Monetary Liabilities |
| NNPA | Net Non-Performing Assets |
| NOC | No Objection Certificate |
| NOF | Net Owned Funds |
| NPA | Non-Performing Assets |
| NPCI | National Payments Corporation of India |
| NPE | Non-Performing Exposures |
| NRA | National Risk Assessment |
| NRB | Nepal Rastra Bank |
| NRC | Nomination and Remuneration Committee |
| NRE | Non-Resident External |
| NRIs | Non-Resident Indians |
| NRO | Non-Resident Ordinary |
| NSAs | National Supervisory Authorities |
| NSE | National Stock Exchange |
| NSFE | National Strategy for Financial Education |
| NSFI | National Strategy for Financial Inclusion |
| NSSF | National Small Savings Fund |
| NSO | National Statistical Office |
| OBC | Other Backward Classes |
| OBICUS | Order Books, Inventories and Capacity Utilisation Survey |
| OD | Overdraft |
| ODR | Online Dispute Resolution |
| OECD | Organisation for Economic Co-operation and Development |
| OFCB | Overseas Foreign Currency Borrowing |
| OI | Overseas Investment |
| OIS | Overnight Indexed Swap |
| OLTAS | Online Tax Accounting System |
| OMO | Open Market Operation |
| OMT | Offsite Monitoring Template |
| OPEC | Organisation of Petroleum Exporting Countries |
| ORBIOs | Offices of the Reserve Bank of India Ombudsmen |
| OTC | Over the Counter |
| PAs | Payment Aggregators |
| PADO | Public Administration, Defence and Other Services |
| PAT | Profit After Tax |
| PBs | Payments Banks |
| PCA | Prompt Corrective Action |
| PCE | Personal Consumption Expenditure |
| PCR | Provisioning Coverage Ratio |
| PDs | Primary Dealers |
| 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 |
| PFRDA | Pension Fund Regulatory and Development Authority |
| PIDF | Payments Infrastructure Development Fund |
| PLFS | Periodic Labour Force Survey |
| PLI | Production-Linked Incentive |
| PMGKAY | Pradhan Mantri Garib Kalyan Anna Yojana |
| PMI | Purchasing Managers’ Index |
| PML | Prevention of Money Laundering |
| PMUY | Pradhan Mantri Ujjwala Yojana |
| PNCPS | Perpetual Non-Cumulative Preference Shares |
| PPAC | Petroleum Planning and Analysis Cell |
| POL | Petroleum, Oil and Lubricants |
| POs | Payment Orders |
| PoS | Point of Sale |
| PPIs | Prepaid Payment Instruments |
| PRAKALP | Pratyaksh Kar Lekhankan Pranali |
| Pr. CCA | Principal Chief Controller of Accounts |
| PSBs | Public Sector Banks |
| PSL | Priority Sector Lending |
| PSLCs | Priority Sector Lending Certificates |
| PSOs | Payment System Operators |
| PSS | Payment and Settlement Systems |
| PSUs | Public Sector Undertakings |
| PVBs | Private Banks |
| PWBD | Persons with Benchmark Disabilities |
| QCVM | Quick Response code-based Coin Vending Machine |
| QIP | Qualified Institutional Placement |
| QR | Quick Response |
| RA | Recovery Agents |
| RAD | Risk Analysis Division |
| RAM-OR | Risk Assessment Methodology for Operational Risk |
| RAR | Risk Assessment Report |
| RBA | Risk-Based Approach |
| RBI | Reserve Bank of India |
| RBIA | Risk Based Internal Audit |
| RBIH | Reserve Bank Innovation Hub |
| RB-IOS | Reserve Bank-Integrated Ombudsman Scheme |
| RBR | Return-Based Repository |
| RCA | Root Cause Analysis |
| RCB | Rural Cooperative Bank |
| RCG-Asia | Regional Consultative Group- Asia |
| RDA | Rupee Drawing Arrangement |
| RDBs | Rupee-Denominated Bonds |
| RE | Revised Estimates |
| ReBIT | Reserve Bank Information Technology Private Limited |
| RECO | Revenue Expenditure to Capital Outlay |
| REs | Regulated Entities |
| RF | Restructuring Framework |
| RFCA | Revaluation of Forward Contracts Account |
| RFID | Radio Frequency Identification |
| RFP | Request for Proposal |
| RM | Reserve Money |
| RMAB | Royal Monetary Authority of Bhutan |
| RMC | Risk Monitoring Committee |
| RMD | Risk Monitoring Department |
| RMI | Raw Material Inventory |
| RoA | Return on Assets |
| RoDTEP | Remission of Duties and Taxes on Exported Products |
| RoE | Return on Equity |
| ROs | Regional Offices |
| RPA | Robotic Process Automation |
| RR | Risk Register |
| RRA | Regulations Review Authority |
| RRBs | Regional Rural Banks |
| RS | Regulatory Sandbox |
| RTGS | Real Time Gross Settlement |
| RTI | Right to Information |
| RTL | Risk Tolerance Limits |
| RTP | Reserve Tranche Position |
| RWA | Risk Weighted Assets |
| SAA | Swap Amortisation Account |
| SAs | Statutory Auditors |
| SAAR | Seasonally Adjusted Annualised Rate |
| SAARC | South Asian Association for Regional Cooperation |
| SAED | Special Additional Excise Duty |
| SAP | Systems Applications and Products |
| SARTTAC | South Asia Regional Training and Technical Assistance Centre |
| SAS | Statistical Analytics System |
| SATARC | Security Automation, Threat Analysis and Response Centre |
| SBI | State Bank of India |
| SBR | Scale-Based Regulation |
| SBS | Shredding and Briquetting Systems |
| SC | Scheduled Caste |
| SCBs | Scheduled Commercial Banks |
| SDF | Special Drawing Facility/ Standing Deposit Facility |
| SDG | Sustainable Development Goals |
| SDLs | State Development Loans |
| SDMX | Statistical Data and Metadata Exchange |
| SDRs | Special Drawing Rights |
| SDS | Step-Down Subsidiary |
| SEA | Solvent Extractors’ Association of India |
| SEs | Supervised Entities |
| SEACEN | South East Asian Central Banks |
| SEBI | Securities and Exchange Board of India |
| SEZ | Special Economic Zone |
| SFBs | Small Finance Banks |
| SFDB | SAARCFINANCE database |
| SFMS | Structured Financial Messaging System |
| SFWG | Sustainable Finance Working Group |
| SGrBs | Sovereign Green Bonds |
| SGSs | State Government Securities |
| SGST | States’ Goods and Services Tax |
| SHGs | Self-Help Groups |
| SINE | Society for Innovation and Entrepreneurship |
| SIOS | Services and Infrastructure Outlook Survey |
| SIP | Systematic Investment Plan |
| SLBC | State Level Bankers’ Committee |
| SLCCs | State Level Coordination Committees |
| SLR | Statutory Liquidity Ratio |
| SMA | Special Mention Account |
| SMCC | Social Media Command Centre |
| SoC | Statement of Co-operation |
| SOC | Security Operations Centre |
| SOFR | Secured Overnight Financing Rate |
| SOP | Standard Operating Procedure |
| SPDs | Standalone Primary Dealers |
| SPE | Special Purpose Entity |
| 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 |
| SSAF | Securitisation of Stressed Assets Framework |
| S-SC | Strategy Sub-Committee |
| SSCI | Services Sector Composite Index |
| SSMs | Senior Supervisory Managers |
| ST | Scheduled Tribe |
| STC | Short-term Trade Credit |
| StCBs | State Cooperative Banks |
| SWIFT | Society for Worldwide Interbank Financial Telecommunication |
| SWM | South-West Monsoon |
| TA | Technical Assistance |
| TAC | Technical Advisory Committee |
| TACS | Technical Advisory Committee on Surveys |
| TAT | Turn-Around Time |
| T-Bills | Treasury Bills |
| TEs | Training Establishments |
| TIN | Tax Information Network |
| TOL/ATNW Ratio | Total Outside Liabilities-Adjusted Tangible Net Worth Ratio |
| TRQ | Tariff Rate Quota |
| TRs | Trade Repositories |
| TReDS | Trade Receivables Discounting System |
| TSA | Treasury Single Account |
| TSCAs | Time-Sensitive Critical Activities |
| UCBs | Urban Cooperative Banks |
| UDAY | Ujjwal DISCOM Assurance Yojana |
| UFCE | Unhedged Foreign Currency Exposure |
| UFR | Unified Fraud Reporting |
| UID | Unique Identification |
| UIDF | Urban Infrastructure Development Fund |
| UK | United Kingdom |
| UNCCI | Unorganised Sector Composite Coincident Index |
| UNGA | United Nations General Assembly |
| UPI | Unified Payments Interface |
| USA | United States of America |
| USD | US Dollar |
| UTs | Union Territories |
| UTI | Unique Transaction Identifier |
| UTLBCs | Union Territory Level Bankers’ Committees |
| VAPT | Vulnerability Assessment and Penetration Testing |
| VAT | Value Added Tax |
| VM | Variation Margin |
| VOICE | Voicing Opinion to Inspire, Contribute and Excel |
| VRR | Voluntary Retention Route/Variable Rate Repo |
| VRRR | Variable Rate Reverse Repo |
| WACR | Weighted Average Call Rate |
| WADTDR | Weighted Average Domestic Term Deposit Rate |
| WALR | Weighted Average Lending Rate |
| WAM | Weighted Average Maturity |
| WAS | Weighted Average Spread |
| WAY | Weighted Average Yield |
| WEO | World Economic Outlook |
| WGDL | Working Group on Digital Lending |
| WLA | White Label ATM |
| WLAO | White Label ATM Operators |
| WMA | Ways and Means Advances |
| WPI | Wholesale Price Index |
| WPR | Worker Population Ratio |
| WTO | World Trade Organisation |
| XBRL | eXtensible Business Reporting Language |
| ZIs | Zonal Inspectorates |
| ZTCs | Zonal Training Centres |