ACROSS
3. XML
5. FIFTEEN
7. GRATUITY
11. ??
12. CREDIT
14. EMI
16. ??
17. INVESTMENT
18. ERR (Expected Rate of Return)
20. ICRA
22. ??
23. ONE
24. CII
25. REORDER
DOWN
1. IFCI
2. VAT
4. MAT (MIN ALTERNATIVE TAX)
6. NGO
8. INDIRECT
9. NOVEL
10. FLEXIBLE
12. CGHS (Central Govt Health Scheme)
13. TEXT
15. INVOICE
16. CORE
19. ROI (Return on Investment)
21. AID