- FIP – Financial Information Provider: Bank, NBFC, AMC, depository, depository participant, insurance company, insurance repository, pension fund [ref 3 (xi) AA Master Directions]
- FIU – Financial information user: an entity registered with and regulated by any financial sector regulator [ref 3 (xii) AA Master Directions];
- AA – Account Aggregator
- FSR – Financial Sector regulator; RBI, SEBI, IRDAI, PFRDA, DoR [ref 3 (x) AA Master Directions]
- CR – Central Registry: A centrally hosted (under one of the FSRs) repository of Key/Certificate of FIU, FIP & AAs
Glossary of Account types
All possible Account types that can be provided by an FIP
| Keyword | Type of Account | Remarks |
| SA | Savings Account | Includes all type of Savings, Salary, Kids, Non-Residential Rupee (NRE), Non-Residential Ordinary (NRO), No-Frills, Hindu Undivided Family (HUF), Students,’ women’s accounts, and similar accounts |
| CA | Current Account | All variants of current account, EEFC accounts, and similar accounts |
| TD | Term Deposit | Also known as Fixed Deposit (FD), including Tax Saving FDs |
| RD | Recurring Deposit | All recurring deposits (periodic and non-periodic) |
| OD | Overdraft Account | OD accounts created by giving Loan against FD, Loan against Shares, Temporary Overdraft (TOD), and others |
| CC | Cash Credit Account | Cash Credit accounts with sanction limit and drawing power (varying daily) |
| Cards | Credit Card | All retail credit cards along with add-on cards |
| PPF | Public Provident Fund | Public Provident Fund by GOI |
| MIS | Monthly Income Scheme | Post Office and other banks’ Monthly Income Scheme |
| KVP | Kisan Vikas Patra | Kisan Vikas Patra by GOI |
| SSY | Sukanya Samriddhi Yojana | Sukanya Samriddhi Yojana by GOI |
| NSC | National Savings Certificate | National Savings Certificate by GOI |
| SCSS | Senior Citizens Savings Scheme | Senior Citizens Savings Scheme by GOI. This should go for discovery only if the applicant is a senior citizen |
| PMVVY | Pradhan Mantri Vaya Vandan Yojana | Pradhan Mantri Vaya Vandan Yojana by GOI. This should go for discovery only if the applicant is a senior citizen |
| APY | Atal Pension Yojana | Atal Pension Yojana by GOI |
| EPFO | Employee Provident Fund | All Employee Provident Funds by GOI connected by Universal Account Numbers (UANs) |
| NPS | National Pension System | All tier-1 and tier-2 investments |
| CP | Commercial Paper | Commercial papers |
| GS | Government Securities | Government Securities |
| Gold | Gold Bonds | All types of Gold investments (bonds, retail and bullion) |
| MF | Mutual Funds | All equity, debit, hybrid, ELSS, Sector, International, Gold, and other types of funds – SIP and lumpsum |
| LI | Insurance Policies | Term, ULIP, Traditional, Child, and other life insurance policies |
| GI | General Insurance Policies | Health, Home, Property, non-life, and other General insurance policies |
| Demat | Direct equity, bonds through a Demat account | All Direct Equity, PMS, Tax Free Bonds under Section 10 of Income Tax Act, 1961; Capital Gain Bonds Under Section 54EC of Income Tax, 1961 such as REC, NHAI, PFC, IRFC bonds and any other holdings in Dematerialised form |
| SDK | ||
| Data Blind | ||
| Encryption (public key) | ||
| Token |
1. Consent– As defined in Section 11 of the Indian Data Protection Act, 2022
2. “DEPA”-Data Empowerment and Protection Architecture
3. Data Provider -A data provider (DP) is an entity that collects and stores personal data pursuant to a legal obligation for provision of services. In the DEPA framework DPs could be anyone who is a Data fiduciary under the law.
4. Data Consumer- A data Consumer/user (DC) is an entity that seeks digital data from the Data Principal, in order to provide services. The DC places the request for the need of data with the CM which triggers the process of consent collection from the Data Principal.
5. Consent Manager – entity licensed by the Data Protection Authority which will enable a data principal to give, withdraw, review, and manage their consent through an accessible, transparent, and interoperable platform.
6. Silver Copy- Only information necessary, specific for a purpose will be shared in this copy for a limited duration. This is essentially a copy derived from the “Gold or master copy” sitting with the data provider. The silver copy is generated to address specific requests and uses. The copy cannot be shared, altered, retained modified and is pre-programmed to be deleted after the purpose.
7. Gold or master copy– The silver copy is generated from this copy to address specific requests and uses.
8. Data Protection Authority (“Authority”)– As defined in Clause 3(5) of the Data Protection Act, 2022
9. The Data Protection Act, 2021