{"id":7577,"date":"2015-06-05T15:02:31","date_gmt":"2015-06-05T09:32:31","guid":{"rendered":"https:\/\/blog.fundsindia.com\/blog\/?p=7577"},"modified":"2020-02-13T12:37:52","modified_gmt":"2020-02-13T07:07:52","slug":"why-debt-funds-work-better-than-fds","status":"publish","type":"post","link":"https:\/\/www.fundsindia.com\/blog\/mf-research\/mutual-funds\/why-debt-funds-work-better-than-fds\/7577","title":{"rendered":"Why debt funds work better than FDs"},"content":{"rendered":"<p>If you are worrying about falling interest rates leaving you with no fixed income options, you are right \u2013 if your only fixed income option is bank Fixed Deposits (FDs). But did you know that falling interest rates can actually be a great opportunity in the debt market? Read on.<\/p>\n<p>You may have often heard analysts say that there is an inverse correlation between bond prices and interest rates movement. Yes, that is where the opportunity lies. But first let us see what this relationship is all about.<\/p>\n<a href=\"http:\/\/www.fundsindia.com\/content\/jsp\/registration\/login.jsp#SignIn\"><img loading=\"lazy\" class=\"alignleft size-full wp-image-7580\" src=\"https:\/\/www.fundsindia.com\/blog\/wp-content\/uploads\/2015\/06\/img1.jpg\" alt=\"img1\" width=\"254\" height=\"158\" \/><\/a>\n<p>Let us assume that you had invested Rs. 100 in a 5-year bank Fixed Deposit at the interest rate of 10 per cent (annual interest payout) a year ago. You have received Rs. 10 as the first year&#8217;s interest payment. If the interest rate in the country fell by 1 per cent now, you will earn 1 per cent more than the market for the next four years. Now, your friend too wishes to get a 10 per cent interest, or Rs. 10 interest income on an FD; however, she cannot do that as the current rates are 9 per cent. But if she is willing to pay a price to generate a regular 10 per cent income for herself, she might want to buy it from you to secure her annual income.<\/p>\n<div class=\"blog-highlight\" style=\"clear: both; background: #2baae2; border: none; width: 60%; text-align: center; box-shadow: 0 5px 5px rgba(0, 0, 0, 0.5);\"><a style=\"text-decoration: none;\" href=\"http:\/\/www.fundsindia.com\/content\/jsp\/registration\/login.jsp?ref=blog-button\" target=\"_blank\" rel=\"noopener\"> <span style=\"color: #fff; font-weight: bold;\">Open<\/span> <span style=\"color: #fff; font-weight: bold; text-decoration: none;\"> a FREE Account Now! <\/span><\/a><\/div>\n<p>Bank FDs cannot be transferred by you. But just for the sake of this example, let us assume that it is transferable. If your friend is keen to generate Rs. 10 as income today, she will have to invest at least Rs. 103 to generate Rs. 10 every year. Now that is the value of your Rs. 100 deposit today.<\/p>\n<p>But if the deposit market is not very liquid, and not easily available in the market for sale, then Rs. 103 could be trading at an even slightly higher price as a result of demand. That means, if you sell it today, you get a capital gain (Rs. 3), over and above the Rs. 10 interest.<\/p>\n<p>Bank FDs are not tradable in real life situations; hence, you can\u2019t gain from it by selling it before the maturity. However, government bonds, Public Sector Unit (PSU) bonds, corporate bonds, and bank certificates of deposits are tradable instruments. As a retail investor, you can&#8217;t buy them in small quantities. You need to open an account with a primary dealer to buy and sell these bonds in large quantities. Besides, would you know when is the right time to buy or sell them? Also for every such sale after buying, you would have a tax impact, especially if you actively churn your portfolio.<\/p>\n<p>Then how can you gain from the falling interest rates scenario? The answer, especially for retail investors, is debt <a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.fundsindia&amp;hl=en\" target=\"_blank\" rel=\"noopener\">mutual funds<\/a>. Debt mutual funds invest in various fixed income instruments like bank Certificates of Deposits (CDs), Commercial Papers (CPs), treasury bills, government bonds (G-secs), PSU bonds and corporate bonds\/debentures, cash and call instruments, and so on. These funds are classified based on varying time frames. That means you choose a different fund for short-term needs, and a very different one for long-term requirements. Needless to say, short-term funds tend to take low risk as you need your money in the near term, while longer-term funds take a bit of risk to generate returns over the long-term for you. These funds are classified based on the category and tenure of the underlying investment instruments.<\/p>\n<div class=\"blog-highlight\" style=\"clear: both; background: #f4f4f4; border: none; width: 60%; text-align: center; box-shadow: 0 5px 5px rgba(0, 0, 0, 0.5);\"><a style=\"text-decoration: none;\" href=\"http:\/\/www.fundsindia.com\/content\/jsp\/registration\/login.jsp?ref=blog-button\" target=\"_blank\" rel=\"noopener\"> <span style=\"color: #000; font-weight: bold;\">Open<\/span> <span style=\"color: #000; font-weight: bold; text-decoration: none;\"> a FREE Account Now! <\/span><\/a><\/div>\n<p>As highlighted in the below chart, risk increases with the tenure of investment instruments. When there is a fall in the market&#8217;s interest rates, fixed income instruments with the longest tenure will gain more compared to the shortest tenure instruments. Hence, funds such as dynamic bond funds, long term income funds, and gilt funds are best placed to gain from the falling interest rate scenario as when rates fall, the price of their underlying instruments rise.<\/p>\n<a href=\"http:\/\/www.fundsindia.com\/content\/jsp\/registration\/login.jsp#SignIn\"><img loading=\"lazy\" class=\"alignleft size-full wp-image-7581\" src=\"https:\/\/www.fundsindia.com\/blog\/wp-content\/uploads\/2015\/06\/img2.jpg\" alt=\"img2\" width=\"1081\" height=\"670\" srcset=\"https:\/\/www.fundsindia.com\/blog\/wp-content\/uploads\/2015\/06\/img2.jpg 1081w, https:\/\/www.fundsindia.com\/blog\/wp-content\/uploads\/2015\/06\/img2-300x185.jpg 300w, https:\/\/www.fundsindia.com\/blog\/wp-content\/uploads\/2015\/06\/img2-1024x634.jpg 1024w\" sizes=\"(max-width: 1081px) 100vw, 1081px\" \/><\/a>\n<p>In terms of taxation, debt funds score better than Bank FDs. If you hold your investments for more than three years, you just need to pay only 20 per cent capital gains tax (with indexation benefits). Since you take indexation benefits (that means adjusting the cost of your investment for inflation), your \u2018real\u2019 tax outgo will be far lower than the 20 per cent. Be it in terms of liquidity, superior returns or tax benefits, debt mutual funds score over passive bank deposits. Diversify your traditional debt holding with these schemes, based on your time frame of investment to take advantage of them.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you are worrying about falling interest rates leaving you with no fixed income options, you are right \u2013 if your only fixed income option is bank Fixed Deposits (FDs). But did you know that falling interest rates can actually be a great opportunity in the debt market? Read on. You may have often heard [&hellip;]<\/p>\n","protected":false},"author":11,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[6,66],"tags":[209,304,148,516],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v17.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Why debt funds work better than FDs<\/title>\n<meta name=\"description\" content=\"Did you know that falling interest rates can actually be a great opportunity for you with debt funds? Read on.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fundsindia.com\/blog\/mf-research\/mutual-funds\/why-debt-funds-work-better-than-fds\/7577\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Why debt funds work better than FDs\" \/>\n<meta property=\"og:description\" content=\"Did you know that falling interest rates can actually be a great opportunity for you with debt funds? Read on.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/fundsindia.com\/blog\/mf-research\/mutual-funds\/why-debt-funds-work-better-than-fds\/7577\" \/>\n<meta property=\"og:site_name\" content=\"Insights\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/fundsindia\" \/>\n<meta property=\"article:published_time\" content=\"2015-06-05T09:32:31+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2020-02-13T07:07:52+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.fundsindia.com\/blog\/wp-content\/uploads\/2015\/06\/img1.jpg\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Sathyamoorthy N\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.fundsindia.com\/blog\/#organization\",\"name\":\"Wealth India Financial Services\",\"url\":\"https:\/\/www.fundsindia.com\/blog\/\",\"sameAs\":[\"https:\/\/www.facebook.com\/fundsindia\"],\"logo\":{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/www.fundsindia.com\/blog\/#logo\",\"inLanguage\":\"en-US\",\"url\":\"https:\/\/www.fundsindia.com\/blog\/wp-content\/uploads\/2018\/07\/download.jpeg\",\"contentUrl\":\"https:\/\/www.fundsindia.com\/blog\/wp-content\/uploads\/2018\/07\/download.jpeg\",\"width\":189,\"height\":200,\"caption\":\"Wealth India Financial Services\"},\"image\":{\"@id\":\"https:\/\/www.fundsindia.com\/blog\/#logo\"}},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.fundsindia.com\/blog\/#website\",\"url\":\"https:\/\/www.fundsindia.com\/blog\/\",\"name\":\"Insights\",\"description\":\"Official blog of FundsIndia.com\",\"publisher\":{\"@id\":\"https:\/\/www.fundsindia.com\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.fundsindia.com\/blog\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/fundsindia.com\/blog\/mf-research\/mutual-funds\/why-debt-funds-work-better-than-fds\/7577#primaryimage\",\"inLanguage\":\"en-US\",\"url\":\"https:\/\/www.fundsindia.com\/blog\/wp-content\/uploads\/2015\/06\/img1.jpg\",\"contentUrl\":\"https:\/\/www.fundsindia.com\/blog\/wp-content\/uploads\/2015\/06\/img1.jpg\",\"width\":254,\"height\":158},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/fundsindia.com\/blog\/mf-research\/mutual-funds\/why-debt-funds-work-better-than-fds\/7577#webpage\",\"url\":\"https:\/\/fundsindia.com\/blog\/mf-research\/mutual-funds\/why-debt-funds-work-better-than-fds\/7577\",\"name\":\"Why debt funds work better than FDs\",\"isPartOf\":{\"@id\":\"https:\/\/www.fundsindia.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/fundsindia.com\/blog\/mf-research\/mutual-funds\/why-debt-funds-work-better-than-fds\/7577#primaryimage\"},\"datePublished\":\"2015-06-05T09:32:31+00:00\",\"dateModified\":\"2020-02-13T07:07:52+00:00\",\"description\":\"Did you know that falling interest rates can actually be a great opportunity for you with debt funds? Read on.\",\"breadcrumb\":{\"@id\":\"https:\/\/fundsindia.com\/blog\/mf-research\/mutual-funds\/why-debt-funds-work-better-than-fds\/7577#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/fundsindia.com\/blog\/mf-research\/mutual-funds\/why-debt-funds-work-better-than-fds\/7577\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/fundsindia.com\/blog\/mf-research\/mutual-funds\/why-debt-funds-work-better-than-fds\/7577#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.fundsindia.com\/blog\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Why debt funds work better than FDs\"}]},{\"@type\":\"Article\",\"@id\":\"https:\/\/fundsindia.com\/blog\/mf-research\/mutual-funds\/why-debt-funds-work-better-than-fds\/7577#article\",\"isPartOf\":{\"@id\":\"https:\/\/fundsindia.com\/blog\/mf-research\/mutual-funds\/why-debt-funds-work-better-than-fds\/7577#webpage\"},\"author\":{\"@id\":\"https:\/\/www.fundsindia.com\/blog\/#\/schema\/person\/ae51ea29b31bb475bc5dcdc8723613f2\"},\"headline\":\"Why debt funds work better than FDs\",\"datePublished\":\"2015-06-05T09:32:31+00:00\",\"dateModified\":\"2020-02-13T07:07:52+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/fundsindia.com\/blog\/mf-research\/mutual-funds\/why-debt-funds-work-better-than-fds\/7577#webpage\"},\"wordCount\":752,\"commentCount\":60,\"publisher\":{\"@id\":\"https:\/\/www.fundsindia.com\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/fundsindia.com\/blog\/mf-research\/mutual-funds\/why-debt-funds-work-better-than-fds\/7577#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.fundsindia.com\/blog\/wp-content\/uploads\/2015\/06\/img1.jpg\",\"keywords\":[\"debt funds\",\"fixed deposits\",\"Investments\",\"Mutual funds\"],\"articleSection\":[\"Mutual funds\",\"Personal Finance\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/fundsindia.com\/blog\/mf-research\/mutual-funds\/why-debt-funds-work-better-than-fds\/7577#respond\"]}]},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.fundsindia.com\/blog\/#\/schema\/person\/ae51ea29b31bb475bc5dcdc8723613f2\",\"name\":\"Sathyamoorthy N\",\"image\":{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/www.fundsindia.com\/blog\/#personlogo\",\"inLanguage\":\"en-US\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/ff95b26e97b12a8cefe2bc2303932ddd?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/ff95b26e97b12a8cefe2bc2303932ddd?s=96&d=mm&r=g\",\"caption\":\"Sathyamoorthy N\"},\"description\":\"N. Sathyamoorthy was a Research Analyst with FundsIndia's Mutual Fund Research Team. He is a Certified Financial Planner from the Financial Planning Standards Board, and is also an AMFI (Association of Mutual Funds in India) certified Mutual Funds Advisor. He holds over 14 years of experience in the financial services and investment advisory space.\",\"sameAs\":[\"http:\/\/www.fundsindia.com\"],\"url\":\"https:\/\/www.fundsindia.com\/blog\/author\/sathya\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Why debt funds work better than FDs","description":"Did you know that falling interest rates can actually be a great opportunity for you with debt funds? Read on.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/fundsindia.com\/blog\/mf-research\/mutual-funds\/why-debt-funds-work-better-than-fds\/7577","og_locale":"en_US","og_type":"article","og_title":"Why debt funds work better than FDs","og_description":"Did you know that falling interest rates can actually be a great opportunity for you with debt funds? Read on.","og_url":"https:\/\/fundsindia.com\/blog\/mf-research\/mutual-funds\/why-debt-funds-work-better-than-fds\/7577","og_site_name":"Insights","article_publisher":"https:\/\/www.facebook.com\/fundsindia","article_published_time":"2015-06-05T09:32:31+00:00","article_modified_time":"2020-02-13T07:07:52+00:00","og_image":[{"url":"https:\/\/www.fundsindia.com\/blog\/wp-content\/uploads\/2015\/06\/img1.jpg"}],"twitter_misc":{"Written by":"Sathyamoorthy N","Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Organization","@id":"https:\/\/www.fundsindia.com\/blog\/#organization","name":"Wealth India Financial Services","url":"https:\/\/www.fundsindia.com\/blog\/","sameAs":["https:\/\/www.facebook.com\/fundsindia"],"logo":{"@type":"ImageObject","@id":"https:\/\/www.fundsindia.com\/blog\/#logo","inLanguage":"en-US","url":"https:\/\/www.fundsindia.com\/blog\/wp-content\/uploads\/2018\/07\/download.jpeg","contentUrl":"https:\/\/www.fundsindia.com\/blog\/wp-content\/uploads\/2018\/07\/download.jpeg","width":189,"height":200,"caption":"Wealth India Financial Services"},"image":{"@id":"https:\/\/www.fundsindia.com\/blog\/#logo"}},{"@type":"WebSite","@id":"https:\/\/www.fundsindia.com\/blog\/#website","url":"https:\/\/www.fundsindia.com\/blog\/","name":"Insights","description":"Official blog of FundsIndia.com","publisher":{"@id":"https:\/\/www.fundsindia.com\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.fundsindia.com\/blog\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"ImageObject","@id":"https:\/\/fundsindia.com\/blog\/mf-research\/mutual-funds\/why-debt-funds-work-better-than-fds\/7577#primaryimage","inLanguage":"en-US","url":"https:\/\/www.fundsindia.com\/blog\/wp-content\/uploads\/2015\/06\/img1.jpg","contentUrl":"https:\/\/www.fundsindia.com\/blog\/wp-content\/uploads\/2015\/06\/img1.jpg","width":254,"height":158},{"@type":"WebPage","@id":"https:\/\/fundsindia.com\/blog\/mf-research\/mutual-funds\/why-debt-funds-work-better-than-fds\/7577#webpage","url":"https:\/\/fundsindia.com\/blog\/mf-research\/mutual-funds\/why-debt-funds-work-better-than-fds\/7577","name":"Why debt funds work better than FDs","isPartOf":{"@id":"https:\/\/www.fundsindia.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/fundsindia.com\/blog\/mf-research\/mutual-funds\/why-debt-funds-work-better-than-fds\/7577#primaryimage"},"datePublished":"2015-06-05T09:32:31+00:00","dateModified":"2020-02-13T07:07:52+00:00","description":"Did you know that falling interest rates can actually be a great opportunity for you with debt funds? Read on.","breadcrumb":{"@id":"https:\/\/fundsindia.com\/blog\/mf-research\/mutual-funds\/why-debt-funds-work-better-than-fds\/7577#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/fundsindia.com\/blog\/mf-research\/mutual-funds\/why-debt-funds-work-better-than-fds\/7577"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/fundsindia.com\/blog\/mf-research\/mutual-funds\/why-debt-funds-work-better-than-fds\/7577#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.fundsindia.com\/blog"},{"@type":"ListItem","position":2,"name":"Why debt funds work better than FDs"}]},{"@type":"Article","@id":"https:\/\/fundsindia.com\/blog\/mf-research\/mutual-funds\/why-debt-funds-work-better-than-fds\/7577#article","isPartOf":{"@id":"https:\/\/fundsindia.com\/blog\/mf-research\/mutual-funds\/why-debt-funds-work-better-than-fds\/7577#webpage"},"author":{"@id":"https:\/\/www.fundsindia.com\/blog\/#\/schema\/person\/ae51ea29b31bb475bc5dcdc8723613f2"},"headline":"Why debt funds work better than FDs","datePublished":"2015-06-05T09:32:31+00:00","dateModified":"2020-02-13T07:07:52+00:00","mainEntityOfPage":{"@id":"https:\/\/fundsindia.com\/blog\/mf-research\/mutual-funds\/why-debt-funds-work-better-than-fds\/7577#webpage"},"wordCount":752,"commentCount":60,"publisher":{"@id":"https:\/\/www.fundsindia.com\/blog\/#organization"},"image":{"@id":"https:\/\/fundsindia.com\/blog\/mf-research\/mutual-funds\/why-debt-funds-work-better-than-fds\/7577#primaryimage"},"thumbnailUrl":"https:\/\/www.fundsindia.com\/blog\/wp-content\/uploads\/2015\/06\/img1.jpg","keywords":["debt funds","fixed deposits","Investments","Mutual funds"],"articleSection":["Mutual funds","Personal Finance"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/fundsindia.com\/blog\/mf-research\/mutual-funds\/why-debt-funds-work-better-than-fds\/7577#respond"]}]},{"@type":"Person","@id":"https:\/\/www.fundsindia.com\/blog\/#\/schema\/person\/ae51ea29b31bb475bc5dcdc8723613f2","name":"Sathyamoorthy N","image":{"@type":"ImageObject","@id":"https:\/\/www.fundsindia.com\/blog\/#personlogo","inLanguage":"en-US","url":"https:\/\/secure.gravatar.com\/avatar\/ff95b26e97b12a8cefe2bc2303932ddd?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/ff95b26e97b12a8cefe2bc2303932ddd?s=96&d=mm&r=g","caption":"Sathyamoorthy N"},"description":"N. Sathyamoorthy was a Research Analyst with FundsIndia's Mutual Fund Research Team. He is a Certified Financial Planner from the Financial Planning Standards Board, and is also an AMFI (Association of Mutual Funds in India) certified Mutual Funds Advisor. He holds over 14 years of experience in the financial services and investment advisory space.","sameAs":["http:\/\/www.fundsindia.com"],"url":"https:\/\/www.fundsindia.com\/blog\/author\/sathya"}]}},"jetpack_featured_media_url":"","_links":{"self":[{"href":"https:\/\/www.fundsindia.com\/blog\/wp-json\/wp\/v2\/posts\/7577"}],"collection":[{"href":"https:\/\/www.fundsindia.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.fundsindia.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.fundsindia.com\/blog\/wp-json\/wp\/v2\/users\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/www.fundsindia.com\/blog\/wp-json\/wp\/v2\/comments?post=7577"}],"version-history":[{"count":7,"href":"https:\/\/www.fundsindia.com\/blog\/wp-json\/wp\/v2\/posts\/7577\/revisions"}],"predecessor-version":[{"id":17762,"href":"https:\/\/www.fundsindia.com\/blog\/wp-json\/wp\/v2\/posts\/7577\/revisions\/17762"}],"wp:attachment":[{"href":"https:\/\/www.fundsindia.com\/blog\/wp-json\/wp\/v2\/media?parent=7577"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.fundsindia.com\/blog\/wp-json\/wp\/v2\/categories?post=7577"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.fundsindia.com\/blog\/wp-json\/wp\/v2\/tags?post=7577"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}