Abbrevations

KYC Know your customer AML Anti Money Laundering CAR Capital Adequacy Ratio PSBs Public sector Banks AMFI Association of Mutual Funds in India CII Confederation of Indian Industry SEBI Securities Exchange Board of India IRDA Insurance Regulatory and Development Authority PAN Permanent Assessment Number SIFCL Sahara India Financial Corporation Ltd ALD Aggregate Liability to Depositors NSE National Stock Exchange FRR Floating Reference Rate ARHL Adjustable Rate Home Loans HNIs Highest Net worth Individuals BSE Bombay Stock Exchange TDS Tax deducted at source CPI Consumer price Index BPO Business Process Outsourcing RPO Recruitment Process Outsourcing MEA Ministry of External Affairs CRR Cash Reserve Ratio SLR Statutory Liquid Ratio CGT Capital Gain Tax NASSCOM The National Association of Software and Service companies BAR Benchmark Advanced Rate PLR Prime Lending Rates BPLR Benchmark prime Lending Rates RPLR Retail Prime Lending Rates UNIDO United Nations Industrial Development Organizations NHB National Housing Banking TCS Tata Consultancy Service SAIL Steel Authority India Limited NABARD National Bank for Agricultural and Rural Development HDFC Housing Development Finance Corporation Ltd BOT Build operate Transfer SPV Special purpose vehicle DGFT The Director General of Foreign Trade IPO Initial Public Offerings ADAG Anil Dhirubhai Ambani Group ECMWF The European Centre for Medium Range Weather Forecasts APIIC Andhra Pradesh Industrial Infrastructure Corporation PTI Press Trust of India UNI United News of India

APEDA Agricultural and Processed Food products Export Development Authority TTF Travel and Tourism Fair KSEB Karnataka state Electricity Board IMD India Meteorological Department ONGC Oil and Natural Gas Corporation ETF Exchange Trade Fund ICSI Institute of Company Secretaries of India MCX Multi commodity Exchange of India LME London Metal Exchange IFRS International Financial Reporting standards AICB All India Crop Bio-technology NAFED The National Agricultural co operative Marketing Federation of India FCPA The Foreign corrupt practices Act OECD Organization for Economic co operation and Development M&A Merger and Acquisition FROR First Right of Refusal SEC Securities Exchange Commission OFHEO Office of Federation Housing enterprise oversight FATA The Federation Administered Tribal Areas NWFP Northwest Frontier province CTT Commodities Transactions Tax FMC The Forward Markets Commission HDD Health Degree Day CDD Cooling Degree Day CSP system Concentrated Solar Power MHCB(Japanese) Mizuho corporation Bank FDI Foreign Direct Investment PFRDA Pension Fund Regulation and Development Authority USL United Spirits Limited GEC General Entertainment Channel GRPs Gross Rating Points BSNL Bharat Sanchar Nigam Limited USO Universal Service Obligation ADB Asian Development Bank TNEB Tamil Nadu Electricity Board ADC Access Deficit Charges TRAI Telecom Regulatory Authority of India CEPA Comprehensive Economic partnership Agreement SMBs Small and Medium Business NCDEX The National Commodity and Derivatives Exchange Ltd APMC Agricultural Produce Marketing Committee IFMR Institute for Financial Management and Research

GoM Group of Ministers MRTPC Monopolies and Restrictive Trade Practice Commission RMAAI Rural Marketing Agencies Association of India ICML International Cars & Motors Ltd LoC Line of Control IAEA International Atomic Energy Agency MDL Mazgaon Dock Ltd GRSE Garden Reach Shipbuilders & Engineers MoU Memorandum of Understanding SUV Sports Utility Vehicle LSE London School of Economics MUVs Multi Utility Vehicles UNESCAP The United Nations Economic and Social Commission for Asia and the pacific TAR Trans – Asia Railway BOT Build - Operate – Transfer EFTA European Free Trade Association EC European Community ASEAN The Association of South East Asian Nations EEC European Economic Community MNCs Multi National Companies OECD Organization for Economic Cooperation and Development TRIMs Trade Related Investment Measures TRIPs Trade Related Aspects of Intellectual Property Rights DPCO Durg Price Control Order UNCTAD United Nations Conference on Trade and Development ITC The International Trade Centre NIEO New International Economic Order SDAs Special Drawing Rights IBRD( World Bank) International Bank for Reconstruction and Development Membership in IMF is principle condition for membership of the bank. IMF International Monetary Fund EER Effective Exchange Rate GAB General Arrangement to Borrow ITO International Trade Organisation CCS Cash Compensatory Support EMS European Monetary System EUC European Currency Unit EMI European Money Institute ECB European Central Ban k ODA Official Development Assistance NRI Non –Resident Indian IPCL The Indian Petrochemicals Corporation Ltd OECD Organization for Economic Cooperation and Development

CFF The Compensatory Financing Facility IFC International Finance Corporation IDA The international Development Association SUNFED Special United Nations Fund for Economic Development NPT Non – proliferation Treaty NSG The Nuclear Suppliers Group INSA conference Imagine a New South Asia NC Nepali Congress NGO Non Governmental Organization IAEA The International Atomic Energy Agency ASEAN The Association of Southeast Asian Nations AICC All India Congress Committee NEERI National Environment Engineers Research Institute SBS State Bank of Saurashtra RIL Reliance Industries Ltd AMFI Association of Mutual Funds in India NMCE National Multi Commodity Exchange VAS Value Added Service CCEA The Cabinet Committee on Economic Affairs PSU Public Sector Undertakings BHEL Bharat Heavy Electrical Limited EoI Expression of Interest EPC Engineering, Procurement and Constructions EMIL Eicher Motors India Limited DoT Department of Tele communication AGR Adjusted Ground Revenue BoM Bank of Maharastra ARPU Average Revenue per User IEEMA Indian Electrical Equipment Manufactures Association RSI Relative Strength Index TRAI The Telecom Regulatory Authority of India SCI Shipping Corporation of India AAI Airports Authority of India UBS United Bank of Switzerland MFI Micro Finance Institution IIP Index of Industrial Production ABTL Aditya Birla Telecom Ltd HTC High Tech Computers (Taiwan based smart phone manufacturer) CMD Chairman and Managing Director BAL Bajaj Auto Ltd BHEL Bajaj Holdings & Investments Ltd UPASI The United Plantation Association of South India UAE United Arab Emirates ESIC Employees’ State Insurance Corporation

OMCs Oil Marketing Corporations OSH Occupational Safety & Health COO Chief Operating Officer ATM Automated Teller Machine ULFA United Liberation Front of Asom’s JNTU Jawaharlal Nehru Technological University KLNFL Karbi Longri National Liberation Front TAAI The Travel Agents Association of India IATA International Air Travel Association MHRA Medicines and Health Care Products Regulatory Agency DIPP The Department of Industrial Policy and promotion NBFC Non Banking Financial Company FAO Food and Agriculture Organization WPI Whole Sale Price Index BST Bangladesh Standard Time MTDC Maharastra Tourism Development Corporation EoI Expression of Interest PoK Pakistan occupied Kashmir PPP Public – Private Partnership OIC Organization of Islamic Conference LTTE Liberation of Tigers of Tamil Eelam FDL Forward Defence Lines ICPA The Indian Commercial Pilots Association AGP Assam Gana Praishad AERB Atomic Energy Regulatory Body CNS Convention on Nuclear Safety NPCIL Nuclear Power Corporation of India INSA Indian National Science Academy CSIR The Council of Scientific and Industrial Research BARC The Bhabha Atomic Research Centre CDM The Clean Mechanism Development SIMI The Students’ Islamic Movement of India IEX Indian Energy Exchange CAD Computer Aided Detection NHAI National High Way Authority of India CORI Centre Drug Research Institute PWD Public Works Department SLPF Sri Lanka Freedom Party TNPL Tamil Nadu News Print and Papers Limited VIZAG STEEL RASHTRIYA ISPAT NIGAM LIMITED APPIIC Andhra Pradesh Industrial Infrastructure corporation HMWSSB Hyderabad Metropolitan Water Supply & Sewerage Board HUL Hindustan Unilever Ltd FMCG The Fast Moving Consumer Goods

IFB Invitation for Bids RNRL Reliance Natural Resources Limited PNB Punjab National Bank NALCO National Aluminum Company Limited WTO World Trade Organization (Head Quarters ‘Geneva’, Switzerland APPCC Andhra Pradesh Power Co ordination Committee NHRC The National Human Rights Commission UDHR The Universal Declaration of Human Rights IEDs Improvised Explosive Devices Gen X Next Generation BI Business Intelligence LCD Liquid Crystal Display RIM Remote Infrastructure Management LED Light Emitting Diodes NIM Net Interest Margin NASA STAR (tv) Satellite Television for Asian Region CRM Customer Relationship Management NAAC National Accreditation and Assessment council MUFRS Mobile Unit Field Reporting System EPM Enterprise Performance Management EEOC (USA) Equal Employment Opportunities Commission G.D.P Gross Domestic Product FPGA Field Programmable Grate Arrays SCSB Self Certified Syndicate Bank NSG National Security Guard RSMML Rajastan State Mines & Minerals IOB Indian Overseas Bank CoC Corporation of Chennai RFP Request for Proposal NAPs Non-Performing Assets POTA Prevention of Terrorism Act AES Advanced Encryption standard DES Data Encryption Standard IGNOU Indira Gandhi National Open University FIR First Information Report IAI Isreal Aer Space Industries BITS (Pilani) Birla Institute of Technology & Science ( Rajstan) NIDM National Institute of Disaster Management MFPs Multi Function Printers TCF Trillion cubic Feat CIFA Consortium of Indian Farmers Association TMA Tractors Manufactures Association CSIR Council for Scientific and Industrial Research

NREGA National Rural Employment Guarantee Act IOC Indian Oil Corporation COD Commercial Operation Date NAMA Non – Agricultural Market Access CII Confederation of Indian Industry NALCO National Aluminium Company Limited CASA Current and Savings Account STB Singapore Tourism Board FIEO The Federation of Indian Export Organizations SDF SAARC Development Fund SARSO South Asian Regional Standards Organization SAFAT South Asian Free Trade Agreement EP The European Parliament PSLV Polar Satellite Launch Vehicle CISF Central Industrial Securities Force VSSB Vikram Sarabhi Space Centre ISI Pakistan’s Inter – Service Intelligence UJVNL Uttarakhand Jal Vidyut Nigam Limited PDS Public Distribution System GNLF Gorkha National Liberation Front GJM Grokha Janmukthi Morcha NPTEL The National Project on Technical Enhance Training NSTL Naval Science and Technological Laboratory CFO Chief Financial Officer SWF Sovereign Wealth Fund PLA People’s Liberation Army CSB China Seismological Bureau FSL Forensic Science Laboratory UNIDO United Nations Development Organization SPM Sales Performance Management ECGC Export Credit Guarantee Corporation of India AIR All India Radio KMML The Kerala Metal & Minerals Ltd CCEA Cabinet Committee on Economic Affairs CPCL Chennai Petroleum Corporation Ltd ECI The Election commission of India HSBS The Hong Kong and Shanghai Banking Corporation (H.Q- Hong Kong) NTPC National Thermal Power Corporation SIMI The Student Islamic Movement of India WWW World Wide Web EOUs Export Oriented Units CCEA The Cabinet Committee on Economic Affairs NFE Net Foreign Exchange CIFT Central Institute of Fisheries Technology

GRM Gross Refining Margins DCI Dredging Corporation of India Limited( a Govt. of India undertaking SOA Service Oriented Architecture APSTPC Andhra Pradesh State Trading Promotion Corporation APCOST Andhra Pradesh Council of Science and Technology NSS National Service Scheme NAMA Non – Agricultural Market Acess SEZs Special Economic Zones NAM Non –Aligned Movement BBC PATWA Photographers and Allied Traders Welfare Association NAARM National Academy of Agriculture Research and Management MSP Minimum Support Price CASWMT The centre for Atmospheric Sciences and Weather Modification Technologies ABVP Akhil Bhartiya Vidyarthi Parishad IPE Institute of Public Enterprise ICRISAT The International Crops Research Institute for the Semi-Arid Crops ICAR The Indian Council of Agricultural Research IAF Indian Air Force EGMM Employment Generation and Marketing Mission BPO Business Process Outsourcing FFCR Forum for Child Rights CRAF The Child Rights Advocacy Foundation HEPSN Higher Education for Persons with Special Needs APSCHE Andhra Pradesh State Council of Higher Education IOC International Olympic Committee PWR Pressurized Water Reactor FBRs Fast Breeder Reactors IDMA Indian Drug Manufacturers’ Association CARE Credit Analysis and Research Ltd CIBIL Credit Information Bureau (India) Ltd FICCI Federation of Indian Chambers of Commerce and Industry SMOs Special Market Operations PNs Participatory Notes EIC Economic Analysis – Industry Analysis – Company Analysis CAGR Compounded Annual Growth Rate NII Net Interest Income NIMs Net interest Margins ICMR Indian Council of Medical Research WEF World Economic Forum ITA Indian Tea Association DMRC Delhi Metro Rail Corporation

NCR National Capital Region KPCL Krishnapatnam Port Company Ltd CFTC Commodities Futures Trading Commission WFP World Food Program (the UNs) CICC China International Capital Crop Ltd FII Foreign Institutional Investements PIN Postal Index Number IP Intellectual Property NBFC Non Banking Financial Company UPSC Union Public Service Commission CSE Calcutta Stock Exchange CPCC Chennai Petroleum Corporation Company Ltd IED Improved Explosive Device FCA Foreign Correspondents Association MDC Movement for Democratic Change CBR Cauvery Bain Reinary NRLDC Northern Region Load Dispatch Centre ISC Indian School Certificate ICSE The Indian Certificate of Secondary Education IGCAR Indira Gandhi Centre for Atomic Research IVF ( baby) In – Vitro fertilization GBS Gross Budgetary Support LAF Liquidity Adjustment Facility MSS Market Stability Scheme EMRI Emergency Management and Research Institute PAT Profit After Tax AASU All Assam Students’ Union SCBs Schedule Commercial Banks SOI Statement of Interest PWO ( accounts) Prudentially Written off accounts CBS Core Banking Solutions FATA Federally Administered Tribal Areas NBAP New Business Arrival Prof it EPFO Employees’ provident Fund Organisation KSE Karachi Stock Exchange (Pakistan) SMEs Small and Medium Enterprises IPCC Intergovernmental Panel for Climate Change EWS Economically Weaker Sections LIG Lower Income Group MIG Middle Income Group ICAD Irrigation and Command Area Development ASBA Application Supported by Blocked Amount SCSB Self Certified Syndicate Banks

CERs Carbon mission receipts STC The State Trading Corporation of India Limited PLR Prime Lending Rate IIJS India International Jewellery Show TQM Total Quality Management CBT Central Board of Trustees HPCL Hindustand Petroleum Corporation Ltd PIB Public Investment Board CBEC Central Board of Excise and Customs IPL Indian Premier League NSIC National Small Industries Corporation Ltd AICTE All India Council for Technical Education ICSSR The Indian Council of Social Science Research IDFC Infrastructure Development Finance Corporation AAAI Advertising Agencies Association of India SARS (bird flu) Severe Acute Reparatory Syndrome ISRO Indian Space Research Organization PCO Public Call Office STD Subscriber Trunk Dialing ISTD International Subscriber Trunk Dialing SAARC South Asian Association for Regional Co operation SAFMA South Asian Free Media Association SAMAAN Self – Assurance and Multi Aided Affinity Network FRR Floating Reference Rate IAEWP International Association of Educators for World Peace CUTU Consumer Unity and Trust Society SOHAM The Social Organization for Health – Human and Management NCCL National Council for Civil Liberties FCNR(B) Foreign Currency Non-Resident Bank account