RR Repo Rate RRR Reverse Repo Rate CRR Cash Reserve Ratio IMF International Monetary Fund IFRS

IFRS International Financial Reporting Standards ALM Asset Liability Management NPA Non Performing Assets LAF Liquidity Adjustment Facility SLR Statutory Liquidity Ratio ICD Inter Corporate Deposits NBFC Non Banking Financial Companies NABARD National Bank for Agriculture and Rural Development FTA Free Trade Agreement IIP Index of Industrial Protection CSO Central Statistical Organization NFS National Financial Switch IDRBT Institute of Development and Research in Banking Technology BIM Bank Insurance Model SIDBI Small Industries Development Bank of India SENSEX Sensitive Index BSE Bombay Stock Exchange NSE National Stock Exchange IRDA Insurance Regulatory and Development Authority

SEBI Securities and Exchange Board of India STT Securities Transaction Tax MAT Minimum Alternate Tax TRAI Telecom Regulatory Authority of India RBI Reserve bank of India WMA Ways and Means Advance VAT Value Added Tax MODVAT Modified Value Added Tax AFSPA Armed Forces Special Protection Act SEZ Special Economic Zone PLR Prime Interest Rate PPP Purchasing Power Parity FII Foreign Institutional Investor FDI Foreign Direct Investment IPO Initial Public Offering GDP Gross Domestic Product GNP Gross National Product NFT Net Foreign Transactions NEFT National Electronic Funds Transfer NDP Net Domestic Product NNP Net National Product NIFC National Income Factor Cost PCI Per Capita Income

SDR Special Drawing Rights DD Demand Draft ASSOCHAM Associated Chambers of Commerce and Industry of India ACD Agricultural Credit Department RPCC Rural Planning and Credit Cell ARDC Agricultural Refinance and Development Corporation APEC Asian Pacific Economic Cooperation FCRA Foreign Contribution Regulation Act SHCL Stock Holding Corporation of India FERA Foreign Exchange Regulation Act DFHI Discount Factoring House of India CRISIL Credit Rating Information System of India Limited ICRA Industrial Credit Rating Agency CARE Credit Analysis and Researching Equity EXIM Export Import Bank of India ICICI Industrial Credit and Investment Corporation of India IFCI Industrial Finance Corporation of India IDBI Industrial Development Bank of India UTI Unit Trust of India LIC Life Insurance Corporation GIC General Insurance Corporation RRB Regional Rural Bank FSDC Financial Stability Development Council

ESOP Employee Stock Options Plan GRDI Global Retail Development Index ECGC Export Credit Guarantee Corporation of India Limited IASB International Accounting Standards Board CCEA Cabinet Committee on Economic Affairs MBRT Multi Brand Retail Trade MSME Micro, Small and medium Enterprises IAC Indigenous Aircraft Carrier CIC Central Information Commission POS Point Of Sales LLP Limited Liability Partnership NSSF National Small Savings Fund MIS Management Information System ROA Return On Assets 4P Product, Price, Place and Promotion ZBB Zero Based Budgeting FASB Financial Accounting Standards Board AAI Alliance of American Insurers AAIS American Association of Insurance Services AIA American Insurance Association CPP Commercial Package Policy RTGS Real Time Gross Settlement WPI Wholesale Price Index

CPI Consumer Price Index PPI Producer Price Index NCDEX National Commodity and Derivatives Exchange Limited, Mumbai MSF Marginal Standing Facility GAAR General Anti Avoidance Rules DBR Doing Business Report