Abbreviations & Financial Terms
ACF - Auto-Correlation Function
AD - Authorized Dealer
AFS - Annual Financial Statement
AEPS - Aadhar Enabled Payment Switch
ATM - Automated Teller Machine
ANBC - Adjusted Net Bank Credit
BIS - Bank for International Settlements
BOP - Balance of Payments
BPM5 - Balance of Payments Manual, 5 th edition
BPSD - Balance of Payments Division, DESACS, RBI
BSR - Basic Statistical Returns
BCBS - Basel Committee on Banking Supervision
BOE - Bill Of Exchange
CAR - Capital Adequacy Radio
CASA - Current and Savings Account
CBLO - Collateralized Bank Lending Obligations
CBS - Core Banking Solutions
CDRS - Corporate Debt Restructuring
CDS - Credit Default Swap
CNP - Card Not Present
CPI - Consumer Price Index
CA - Chartered Accountant
CASA - Current and Savings Accounts
CAD - Capital Account Deficit
CC - Cash Credit
CCL - Cash Credit Limit
CD - Certificate of Deposit
CD Ratio - Credit Deposit Ratio
CF - Company Finance
CIBIL - Credit Information Bureau of India Limited
CO - Capital Outlay
CRR - Cash Reserve Ratio
DSCR - Debt Service Coverage Ratio
DD - Demand Draft
DRI - Differential Rate of Interest Scheme
ECS - Electronic Clearing Scheme
EMI - Equated Monthly Installments
EPF - Employees Provident Fund
GST - Goods and Services Tax
IBPS - Institute of Banking Personnel Selection
IBRD - International Bank for Reconstruction and Development
IDBI - Industrial Development Bank of India
IMPS - Immediate Payment Service
ICRA - Investment Information and Credit Rating Agency of India Limited
IMT - Instant Money Transfer
IROs - Interest Rate Options
IP - Interest Payment
IPO - Initial Public Offering
KYC - Know Your Customer
KCC - Kisan Credit Card
MFDF - Micro Finance Development Fund
MUDRA - Micro Units Development and Refinance Agency
MICR - Magnetic Ink Character Recognition
NAV - National Asset Value
NBFC - Magnetic Ink Character Recognition
NEFT - National Electronic Funds Transfer System
OD - Over Draft
PAN - Permanent Account Number
PF - Provident Fund
PIN - Personal Identification Number
TDS - Tax Deducted at Source
UIDAI - Unique Identification Authority of India
UPI - Unified Payments Interface

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