Banking terms beginning with T

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Alphabetical List

Tax Saving Scheme ( 80C )

Notified bank fixed deposits of five years only qualify for tax deduction under Section 80 C of the Income Tax ACT.

Time Decay:

The changing ratio in an option's cost from the decline in duration to the time of its termination. In short, it is the process in which the cost of an option premium is worn as termination advances. It is also known as theta and time-value decay.

Time Deposit:

Time Deposit is a saving account or certificate deposit which is possessed for an allocated duration with the perceptive that the investor can extract it by providing written application only.

Time Value of Money:

Also known as present discounted value, it refers to the concept that the capital available at a specific duration values much more than the similar cost in the future because of its prospective income ability. This basic theory of investment states similar concept provided capital can generate interest and any kind of capital values much more the faster it is attained.

Total Expense Ratio:

A computation of the total value related to controlling and functioning of an investment organization such as mutual fund is Total Expense Ratio. These values mainly incorporate organization charges and supplementary expenditures for instance transaction charges, official charges, assessor fees and other functional expenditures.

Total Return:

The profit or loss on an investment that is accrued on two elements: earnings accrued from interest on dividends and capital expansion in the share value or bond value. Total Return is generally expressed as a yearly proportion in context of the sum invested.


It refers to a residential unit that encompasses two or more stories and is linked to other associated units through party hedges. They are generally used in designed unit improvement which offers grouped or combined lodging.


A pact signed between the purchaser and the vendor for the trading of commodities and services for compensation. The parties taking part in a business deal has a compulsion to execute their part.

Treasury Bills:

Treasury Bills are an interim debt responsibility supported by the government with a maturity period of below a year. They are subscribed via an aggressive bidding method at a concession. It indicates that the bond offers income to the holder rather than forfeiting of pre-set interest payments by the holder.

Treasury Bond:

It is a profitable bond with a pre-set interest rate and a maturity period of more than ten years. The holder is entitled to make interest imbursements after every six months and the earnings accrued by the holders is only charged at the national level.

Treasury Note:

Treasury notes are profitable investments with preset interest rate with a maturity period between one to ten years. They are widely preferred investments because they offer great derivative markets that trigger their liquidity. Interest fees on the notes are transacted after every six months till the investment matures.

Treasury Security:

They are bonds which have a maturity level of more than ten years. Also known as 'the long bond', they uphold capital on a long term basis and pays greater yields to the depositors.


A line on the cost diagram of a security illustrating the general course of the development of a security in its business operations. Trendlines are used to investigate the cost of individual securities, like goods, mutual fund, etc.

Treynor Ratio:

Treynor Ratio was formed by Jack Treynor which computes surplus income accrued in comparison to the income which could have been accrued on safe investments for each unit of market instability.

Last Updated on 1/18/2012