| ACB | Audit Committee of the Board |
| AD | Authorised Dealer |
| ADSCR | Average Debt Service Coverage Ratio |
| AEs | Advanced Economies |
| AePS | Aadhar Enabled Payment Services |
| AIFIs | All-India Financial Institutions |
| AIFs | Alternative Investment Funds |
| ANBC | Adjusted Net Bank Credit |
| API | Application Programming Interface |
| AQR | Asset Quality Review |
| ARCs | Asset Reconstruction Companies |
| ARR | Alternative Reference Rate |
| ATMs | Automated Teller Machines |
| BCs | Business Correspondents |
| BCBS | Basel Committee on Banking Supervision |
| BFS | Board for Financial Supervision |
| BIS | Bank for International Settlements |
| BPLR | Benchmark Prime Lending Rate |
| BO | Banking Ombudsman |
| BR | Banking Regulation |
| BSBDA | Basic Saving Bank Deposit Accounts |
| CAGR | Compound Annual Growth Rate |
| CASA | Current Account and Savings Account |
| CBDCs | Central Bank Digital Currencies |
| CCB | Capital Conservation Buffer |
| CC | Cash Credit |
| CCPs | Central Counterparties |
| CCyB | Countercyclical Capital Buffers |
| C-D | Credit-Deposit |
| CDs | Certificates of Deposits |
| CDS | Credit Default Swap |
| CEO | Chief Executive Officer |
| CEOBE | Credit Equivalent of Off Balance-sheet Exposures |
| CEPCs | Consumer Education and Protection Cells |
| CET | Common Equity Tier |
| CIC | Core Investment Company |
| CISBI | Central Information System for Banking Infrastructure |
| CKYCR | Centralised KYC Registry |
| CMBs | Cash Management Bills |
| CoC | Committee of Creditors |
| CoFT | Card-on-File Tokenisation |
| CPI | Consumer Price Index |
| CPMI | Committee on Payments and Market Infrastructures |
| CPs | Commercial Papers |
| CPS | Centralised Payment System |
| CRAR | Capital to Risk-Weighted Asset Ratio |
| CRR | Cash Reserve Ratio |
| CSF | Cyber Security Framework |
| CUG | Closed User Groups |
| DBTs | Direct Benefit Transfer |
| DCCBs | District Central Co-operative Banks |
| DISCOMs | Distribution Companies |
| DICGC | Deposit Insurance and Credit Guarantee Corporation |
| DIF | Deposit Insurance Fund |
| DFI | Development Finance Institution |
| DLT | Distributed Ledger Technology |
| DPI | Digital Payments Index |
| DSCR | Debt Service Coverage Ratio |
| D-SIBs | Domestic Systemically Important Banks |
| ECB | External Commercial Borrowings |
| ECL | Expected Credit Loss |
| ECLGS | Emergency Credit Line Guarantee Scheme |
| EDPMS | Export Data Processing and Monitoring System |
| EMDEs | Emerging Market and Developing Economies |
| EMEs | Emerging Market Economies |
| eNWRs | electronic Negotiable Warehouse Receipts |
| ESG | Environmental, Social and Governance |
| ESOP | Employees Stock Option Plans |
| EXIM Bank | Export Import Bank of India |
| FAS | Financial Access Survey |
| FCA | Financial Conduct Authority |
| FCNR | Foreign Currency Non-Resident |
| FDI | Foreign Direct Investment |
| FDIC | Federal Deposit Insurance Corporation |
| FEMA | Foreign Exchange Management Act |
| FI-Index | Financial Inclusion Index |
| FIP | Financial Inclusion Plan |
| FMI | Financial Market Infrastructure |
| FPO | Follow-on Public Offer |
| FSB | Financial Stability Board |
| GDP | Gross Domestic Product |
| GNPA | Gross Non-Performing Assets |
| GSAP | Government Securities Acquisition Programme |
| G-secs | Government securities |
| G-SIBs | Global Systemically Important Banks |
| HDI | Human Development Index |
| HFCs | Housing Finance Companies |
| HNIs | High Net-worth Individuals |
| HPI | Human Poverty Index |
| HQLAs | High Quality Liquid Assets |
| HTM | Held to Maturity |
| IBA | Intercontinental Benchmark Administration |
| IBC | Insolvency and Bankruptcy Code |
| IBORs | Interbank Offered Rates |
| IBPCs | Inter-Bank Participation Certificates |
| ICAAP | Internal Capital Adequacy Assessment Process |
| ICC | Investment and Credit Company |
| ICE | Intercontinental Exchange |
| ICT | Information and Communication Technology |
| I-D | Investment-Deposit |
| IFC | International Finance Corporation |
| IFRS | International Financial Reporting Standards |
| IL&FS | Infrastructure Leasing and Financial Services Ltd |
| IMF | International Monetary Fund |
| IOS | Integrated Ombudsman Scheme |
| IPO | Initial Public Offer |
| IoT | Internet of Things |
| IRRBB | Interest Rate Risk in the Banking Book |
| ISSB | International Sustainability Standards Board |
| IT | Information Technology |
| IWG | Internal Working Group |
| JLGs | Joint Liability Groups |
| KCC | Kisan Credit Card |
| KYC | Know Your Customer |
| LABs | Local Area Banks |
| LAF | Liquidity Adjustment Facility |
| LCR | Liquidity Coverage Ratio |
| LEs | Legal Entities |
| LEX | Large Exposures |
| LIBOR | London Interbank Offered Rate |
| LR | Leverage Ratio |
| LTV | Loan-to-Value |
| MFIs | Micro Finance Institutions |
| MFIN | Microfinance Institutions Network |
| MFs | Mutual Funds |
| MGC | Mortgage Guarantee Company |
| MHP | Minimum Holding Period |
| MMFs | Money Market Funds |
| MPC | Monetary Policy Committee |
| MRR | Minimum Retention Requirement |
| MRTs | Material Risk Takers |
| MSF | Marginal Standing Facility |
| MSMEs | Micro, Small and Medium Enterprises |
| NABARD | National Bank for Agriculture and Rural Development |
| NABFID | National Bank for Financing Infrastructure and Development |
| NARCL | National Asset Reconstruction Company Limited |
| NBFC-AA | NBFC-Account Aggregator |
| NBFC-BL | NBFC Base Layer |
| NBFC-IDF | NBFC-Infrastructure Debt Fund |
| NBFC-IFC | NBFC-Infrastructure Finance Company |
| NBFC-MFI | NBFC-Micro Finance Institution |
| NBFC-ML | NBFC Middle Layer |
| NBFC-MGCs | NBFC Mortgage Guarantee Companies |
| NBFC-NOFHC | NBFC-Non-Operative Financial Holding Company |
| NBFC-P2P | NBFC–Peer to Peer Lending Platform |
| NBFCs | Non-Banking Financial Companies |
| NBFCs-D | Deposit-taking NBFCs |
| NBFCs-ND | Non-Deposit taking NBFCs |
| NBFCs-ND-SI | Non-Deposit taking Systemically Important NBFCs |
| NBFC-UL | NBFC Upper Layer |
| NBFI | Non-Bank Financial Intermediation |
| NBFIs | Non-Banking Financial Institutions |
| NCCDs | Non-Centrally Cleared Derivatives |
| NCDs | Non-Convertible Debentures |
| NCLT | National Company Law Tribunal |
| NDTL | Net Demand and Time Liabilities |
| NEFT | National Electronic Fund Transfer |
| NETC | National Electronic Toll Collection |
| NGFS | Network for Greening the Financial System |
| NHB | National Housing Bank |
| NII | Net Interest Income |
| NIM | Net Interest Margin |
| NOF | Net Owned Funds |
| NNPA | Net Non-Performing Asset |
| NPA | Non-Performing Asset |
| NPCI | National Payments Corporation of India |
| NPL | Non-Performing Loans |
| NRC | Nomination and Remuneration Committee |
| NRI | Non-Resident Indian |
| NSFE | National Strategy for Financial Education |
| NSFI | National Strategy for Financial Inclusion |
| NSFR | Net Stable Funding Ratio |
| NSUCBs | Non-Scheduled UCBs |
| NWRs | Negotiable Warehouse Receipts |
| OCC | Office of the Comptroller of the Currency |
| OD | Overdraft |
| OEFs | Open Ended Funds |
| OMOs | Open Market Operations |
| OTC | Over-The-Counter |
| OTs | Operation Twists |
| PACS | Primary Agricultural Credit Societies |
| PAT | Profit After Tax |
| PBs | Payments Banks |
| PCA | Prompt Corrective Action |
| PCARDBs | Primary Co-operative Agriculture and Rural Development Banks |
| PCR | Provision Coverage Ratio |
| PDI | Perpetual Debt Instruments |
| PDs | Primary Dealers |
| PIDF | Payments Infrastructure Development Fund |
| PLR | Prime Lending Rate |
| PMAY | Pradhan Mantri Awas Yojana |
| PMJDY | Pradhan Mantri Jan Dhan Yojana |
| PPI | Producer Price Inflation |
| PPIs | Prepaid Payment Instruments |
| PSBs | Public Sector Banks |
| PSL | Priority Sector Lending |
| PSLCs | Priority Sector Lending Certificates |
| PSPs | Payment System Providers |
| PVBs | Private Sector Banks |
| QE | Quantitative Easing |
| RBIH | Reserve Bank Innovation Hub |
| RB-IOS | Reserve Bank – Integrated Ombudsman Scheme |
| REs | Regulated Entities |
| RF | Resolution Framework |
| RIDF | Rural Infrastructure Development Fund |
| RMCB | Risk Management Committee of the Board |
| RNBC | Residuary Non-Banking Companies |
| RoA | Return on Assets |
| RoE | Return on Equity |
| RP | Resolution Plan |
| RRBs | Regional Rural Banks |
| RSA | Restructured Advances |
| RTGS | Real Time Gross Settlement |
| RWAs | Risk Weighted Assets |
| SAs | Statutory Auditors |
| SA-CCR | Standardised Approach for measuring Counterparty Credit Risk exposure |
| SAF | Supervisory Action Framework |
| SAR | Stressed Assets Ratio |
| SARFAESI Act | Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest Act |
| SCA | Statutory Central Auditors |
| SCARDBs | State Co-operative Agriculture and Rural Development Banks |
| SCBs | Scheduled Commercial Banks |
| SDLs | State Development Loans |
| SEBI | Securities and Exchange Board of India |
| SFBs | Small Finance Banks |
| SFG | Sustainable Finance Group |
| SHG – BLP | Self-help Groups – Bank Linkage Programme |
| SHGs | Self-help Groups |
| SIDBI | Small Industries Development Bank of India |
| SLF | Special Liquidity Facility |
| SLR | Statutory Liquidity Ratio |
| SLS | Special Liquidity Scheme |
| SLTRO | Special Three-year Long-Term Repo Operations |
| SMA | Special Mention Accounts |
| SMFs | Small and Marginal Farmers |
| SPDs | Standalone Primary Dealers |
| SPE | Special Purpose Entity |
| SPV | Special Purpose Vehicle |
| SRs | Security Receipts |
| SRO | Self-Regulatory Organization |
| SSBs | Standard-Setting Bodies |
| STC | Simple, Transparent and Comparable |
| StCBs | State Co-operative Banks |
| SUCBs | Scheduled UCBs |
| SWIFT | Society for Worldwide Interbank Financial Telecommunication |
| T-Bills | Treasury Bills |
| TBTF | Too-Big-To-Fail |
| TC | Trade Credit |
| TCFD | Task Force on Climate-related Financial Disclosures |
| TLAC | Total Loss-Absorbing Capacity |
| TLTRO | Targeted Long-Term Repo Operations |
| TReDS | Trade Receivables Discounting System |
| TREPS | Triparty Repo Dealing and Settlement |
| UCBs | Urban Co-operative Banks |
| UNDP | United Nations Development Programme |
| UPI | Unified Payments Interface |
| USD | U.S. dollar |
| VICS | Vulnerability Index for Cyber Security Framework |
| VINFRA | Fraud Vulnerability Index |
| VRRR | Variable Rate Reverse Repo |
| WAC | Weighted Average Cost |
| WAPs | Weighted Average Premiums |
| WLAs | White Label ATMs |
| WTDs | Whole Time Directors |