OTM can refer to different things depending on the context. Here are some possible meanings:

1. Out of the Money (OTM) options: In finance, OTM is an expression used to describe an option contract that only contains extrinsic value. An OTM call option has a strike price that is above the current market level, while an OTM put option has a strike price that is below the current market price. OTM options have no intrinsic value but only possess extrinsic or time value. At expiration, if an option is out of the money, it will expire worthless.

2. Oracle Transportation Management (OTM): OTM is a tool for shippers and logistic providers that provides transportation planning and execution capabilities.

3. One Time Mandate (OTM): In the context of mutual funds, OTM stands for One Time Mandate. It is a one-time registration process to be done by the mutual fund investor wherein the investor authorizes his/her banker to execute debits to his bank account. OTM in mutual funds facilitates future payments without any instrument (cheque or demand draft) and reduces registration time compared to ECS which is around 30 days. OTM can be registered by individual as well as corporate.

In summary, OTM can refer to different things depending on the context, such as out of the money options, Oracle Transportation Management, or One Time Mandate in mutual funds.