ABBREVIATIONS IN BANKING

1. ATM : Automated Teller Machine 2. FDI : Foreign direct investment 3. GAAR: General Anti-Avoidance Rules 4. CTS : Cash Truncation System 5. CPI : Consumer CRR : Cash Reserve Ratio 6. SLR : Statutory Liquidity Ratio 7. Price Index 8. CAR : Capital Adequacy Ratio 9. NABARD :National Bank for Agricultural and Rural Development 10. SEBI : Securities and Exchange Board of India 11. NEFT :National Electronic Fund Transfer 12. IMF :International Monetary Fund 13. RTGS : Real Time Gross Settlement 14. NPA : Non Performing Asset 15. RRB :Regional Rural Banks 16. IRDA: Insurance Regulatory Development Authority 17. CBS :Core banking solution 18. FII :Foreign Institutional Investors 19. GDP :Gross Domestic Product 20. GST :Goods and Service Tax 21. PLR : Prime Lending Rate 22. BPLR: Basic Prime Lending Rate 23. NRI : Non Resident Indian 24. KYC :Know your customer 25. IFSC: Indian Financial System Code 26. NIM : Net Interest Margin 27. ETF : Exchange Trade Fund 28. SDR : Special Drawing Rights 29. APR : Annual percentage rate 30. PIR : Prime Interest Rate 31. IPO : Initial Public Offering 32. GNP : Gross National Product 33. SEZ : Special Economic Zone 34. NBFC : Non-banking financial company 35. NASSCOM : National Association of Software and Services Companies 36. ASSOCHAM : Associated Chambers of Commerce and Industry of India 37. ACD : Agricultural Credit Department 38. RPCC : Rural Planning and Credit Cell

39. ARDC : Agricultural Refinance and Development Corporation 40. SIDBI : Small Industries Development Bank of India 41. SENSEX : Sensitive Index 42. PPP : Purchasing Power Parity 43. NIM : Net Interest Margin 44. NCM : National committee on minorities 45. HDFC : Housing Development Finance Corporation Limited 46. GIC : General Insurance Corporation 47. IDA : International Development Association 48. IDBI : Industrial Development Bank of India 49. IPO : Initial public offer 50. CDR : Corporate Debt Restructuring 51. ALM : Asset Liability Management 52. EFT : Electronic Funds Transfer 53. WFP : World Food Programme 54. VAT : Value-Added Tax 55. SAARC : South Asian Association for Regional Co-Operation 56. PAN : Permanent Account Number 57. PIN : Personal Identification Number 58. FOSS : Free and open source software 59. WPI : Wholesale Price Index 60. FIPB : Foreign Investment Promotion Board 61. PoP : Point Of Purchase 62. ECA : Essential Commodity Act 63. ECS : Electronic clearing system 64. FPO : Follow on Public Offer 65. GDR : Global Depositary Receipt 66. CVV : Card verification value 67. PAP : Payable at Par 68. MCC : Multi-city cheques 69. MICR : Magnetic ink character recognition 70. MEA : Ministry of External Affairs 71. SHG : Self Help Group 72. IAAS : Indian Audit and Accounts Service 73. IAEA : International Atomic Energy Agency 74. IBRD : International Bank for Reconstruction And Development 75. ICICI : Industrial Credit and Investment Corporation of India 76. IEX : Indian Energy Exchange 77. LIBOR : London Inter-Bank Offer Rate 78. MAT : Minimum Alternative Tax 79. MIN : Mutual fund identification no 80. OCB : Overseas Corporate Bodies 81. RBI : Reserve Bank of India 82. NRE : Non Resident (External a/c)

83. FCNR : Foreign Currency Non Resident a/c 84. FCCB : Foreign Currency convertible Bond 85. NRLM : National Rural Livelihood Mission 86. KYD : Know Your Distributor 87. EFR : Exchange Fluctuation Reserve 88. FI : Financial Institution 89. FOF : Flow Of Funds 90. LAF : Liquidity Adjustment Facility 91. IFAD : International Fund for Agricultural Development 92. M1 : Narrow Money 93. M3 : Broad Money 94. OFI : Other Financial Institutions 95. RPA : Rupee Payment Area 96. UCN : Uniform Code Number 97. UTI : Unit Trust of India 98. SCS : Size Class Strata 99. PACS : Primary Agriculture Credit Societies 100. PDO : Public Debt Office 101. *. M-Banking ----------------------- MObile Banking
*. NABARD ----------------------- National Bank for Agriculture and Rural Development *. NBFC ----------------------- Non-Banking Finance Company *. NDS ----------------------- Negotiated Dealings System *. NDTL ----------------------- Net Demand and Time Liabilities *. NEFT ----------------------- National Electronic Fund Transfer *. NHB ----------------------- National Housing Bank *. NI Act ----------------------- Negotiable Instrument Act *. NPA ----------------------- Non-Performing Assets *. NRE a/c ----------------------- Non-Resident External Account *. NRI ----------------------- Non-Resident Indian *. NWC ----------------------- NetworkingCapital *. OBU ----------------------- Off-Shore Banking Units *. PAN ----------------------- Permanent Account Number *. PLR ----------------------- Prime Lending Rate *. PMEGP ----------------------- Prime Minister's Employment Generation Programme *. PMRY ----------------------- Prime Minister's Rozgar Yojana *. PSA ----------------------- Priority Sector Advances *. QIB ----------------------- Qualified Institutional Buyers *. REPO ----------------------- Re-Purchase Option *. RIDF ----------------------- Rural Infrastructure Development Fund *. RTGS ----------------------- Real Time Gross Settlement *. RTI Act ----------------------- Right To Information Act *. SARFAESI Act ----------------------- Securitization and Reconstruction ofFinancial Assets and Enforcement of Security Interest *. SCB ----------------------- Scheduled Commercial Banks *. SEBI ----------------------- Securities and Exchange Board of India

*. SGL ----------------------- Subsidary General Ledger *. SHG ----------------------- Self Help Groups *. SIDBI ----------------------- Small Industries Development Bank of India *. SLR ----------------------- Statutory Liquidity Ratio *. SME ----------------------- Small and Medium Enterprises *. SWIFT ----------------------- Society for World wide Inter Bank Fund Transfer *. TDS ----------------------- Tax Deducted at Source *. UCPDC - 600 ----------------------- Uniform Customers and Practices on Documentary Credits *. YTM ----------------------- Yield To Maturity

Abbreviation Related to Computer

1. ADC : Analog Digital Converter 2. AI: Artificial Intelligence 3. ALGOL : Algorithmic Language 4. ALU : Arithmetic Logic Unit 5. ASCII : American Standard Code for Information Interchange 6. ATM : Automatic Teller Machine 7. BARC : The Bhabha Atomic Research Centre 8. BASIC : Beginner's All-purpose Symbolic Instruction Code 9. BIOS : Basic Input output System 10. BSNL : Bharat Sanchar Nigam Limited 11. CAD : Computer Aided Design 12. CAM : Computer Aided 13. CD : Compact Disc 14. CD ROM : Compact Disc Read Only Memory 15. CD RW : Compact Disc Read and Write 16. COBOL : Common Business Oriented Language 17. CPU : Central Processing Unit 18. CRT : Cathode Ray Tube 19. CU : Control Unit 20. D RAM : Dynamic Ram 21. DAC : Digital Analog Converter 22. DBMS : Database Management System 23. DCL : Digital Command Language 24. DFD : Data Flow Digram 25. DNS : Domain Name System 26. DPI : Dots Per Inch 27. DRDO : The Defence Research and Development Organisation 28. DVD-Digital Versatile Disc or Digital Video Disc 29. E Mail : Electronic Mail 30. E-Commerce : Electronic Commerce

31. E-PROM : Erasable Programmable Read Only Memory 32. EBCDIC : Extended Binary Coded Decimal Interchange Code 33. EDP : Electronic Data Processing 34. EDSAC : Electronic Delay Storage Automatic Calculator 35. EE-PROM : Electrically Erasable Programmable Read Only Memory 36. ENIAC : Electronic Numerical Integrated and Computer 37. FORTRAN Formula Translation 38. FTP : File Transfer Protocol 39. GUI : Graphical User Interface 40. HTIVIL : Hyper Text Markup Language 41. HTTP : Hyper Text Transfer Protocol 42. IBM : International Business Machine 43. ISDN : Integrated Services Digital Network 44. IT : Information Technology 45. KBPS : Kilo Byte Per Second 46. LAN : Local Area Network 47. LCD : Liquid Crystal Display 48. LSI : Large Scale Integration 49. MAN :Metropolitan Area Network 50. MB :Mega Byte 51. MICR : Magnetic Ink Character Reader 52. MODEM : Modulator Demodulator 53. MS-ACCESS : Microsoft Access 54. MSDOS : Microsoft-Disc Operating System 55. MSEXCEL : Microsoft-Excel 56. MSWINDOS : Microsoft-Windows 57. MS-WORD : Microsoft -Word 58. MTNL :Mahanagar Telephone Nigam Limited 59. NAL :National Aerospace Laboratories 60. NIC :Network Interface Card 61. OCR :Optical Character Reader 62. OMR :Optical Mark Reader 63. OS :Operating System 64. PC :Personal System 65. PDL : Program Design Language 66. PL 1 :Programming Language 1 67. POS :Point of Sales 68. PROM :Programmable Read Only Memory 69. PSTN :Public Switched telephone Network 70. RAM :Random Access Memory 71. ROM :Read Only Memory 72. RPG :Report Program Generator 73. S RAM :Static Ram 74. SCSI Port :Small Computer System Interface Port

75. TCP/IP :Transmission Control Protocol/Internet Protocol 76. TFT : Thin- Film Transistor 77. ULSI :Ultra Large Scale Integration 78. UNIVAC :1Universal automatic computer 79. UPS :Uninterruptible Power Supply 80. URL :Uniform Resource Locator 81. USB :Universal Serial Bus 82. VDU :Visual Display Unit 83. VLSI :Very Large Scale Integration 84. VSNL :Videsh Sanchar Nigam Limited 85. WAN :Wide Area Network 86. WIMAX :Worldwide Interoperability for Microwave Access 87. WLL :Wireless Local Loop 88. WORM :Write Once Read Many 89. WWW : World Wide Web
90. MARKETING 1 91. 92. 93. 94. 95. 96. 97. 98. 99. 100. 101. 102. 103. 104. 105. 106. 107. 108. 109. 110. USP:-Unique Selling Proposition. HNI:-High Networth Individual. EOQ:-Economic Order quality. FDR:-Fixed Deposit Receipts. CNP:-Cardholder Not Present. PIN:-Personal Identification Number. SEO:-Search Engine Optimization. SME:-Small and Medium Enterprises. CRM:-Customer Relationship Management. BPO:-Business Process Outsourcing. VAT:-Value Added Tax. MR:-Marginal Revenue. PAN:-Permanent Account Number. BEP:-Break Even Point. NPA:-Non Performing Assets. ATM:-Automated Teller Machine. ROA:-Return on Assets. M & A:-Mergers & Acquisition. SEBI:-Securities Exchange Board of India. GDP:-Gross Domestic Product.

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IPO:-Initial Public Offering.

DSA:-Direct Selling Agent.
ESOP:-Employees Stock Option Plan.
IMPS:-Inter-Bank Mobile Payment Service.
JIT:-Just In Time.
ZBB:-Zero-Based Budgeting.
MIS:-Management Information System.
EDI:-Electronic Data Interchange.
IDRA:-Industries Development and Regulation Act.

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