{"id":6744,"date":"2026-06-11T12:42:27","date_gmt":"2026-06-11T12:42:27","guid":{"rendered":"https:\/\/www.paytmmoney.com\/blog\/?p=6744"},"modified":"2026-06-11T12:42:27","modified_gmt":"2026-06-11T12:42:27","slug":"etf-vs-index-fund-india-key-differences","status":"publish","type":"post","link":"https:\/\/www.paytmmoney.com\/blog\/etf-vs-index-fund-india-key-differences\/","title":{"rendered":"ETF vs Index Fund: What Is the Difference?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Two investments can track the exact same index, hold the exact same shares, and still leave you with different costs, different taxes and a different day-to-day experience. Welcome to the quiet confusion of ETFs and index funds.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Most of us simply do not have the time to sit and watch the markets all day, and between work, family and everything else, tracking share prices feels like a full-time job on its own. That is exactly why passive investing has become so popular. You hand your money to a structure that quietly tracks the market for you, and you get on with your life.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Two options dominate this space: index funds and <\/span><a href=\"https:\/\/www.paytmmoney.com\/blog\/exchange-traded-funds-etf-investing\/\"><span style=\"font-weight: 400;\"><span style=\"color: #00b0ff; font-weight: 600;\">exchange-traded funds (ETFs)<\/span><\/span><\/a><span style=\"font-weight: 400;\">. They sound almost identical, and in many ways they are. But the small differences between them trip up a surprising number of people. So if you have ever wondered about ETF or Index Fund as your starting point, this guide breaks it down in plain language.<\/span><\/p>\n<h2><b>What Is an Index Fund?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">An index fund is a type of <\/span><a href=\"https:\/\/www.paytmmoney.com\/mutual-funds\"><span style=\"font-weight: 400;\"><span style=\"color: #00b0ff; font-weight: 600;\">mutual fund<\/span><\/span><\/a><span style=\"font-weight: 400;\"> that aims to copy a popular market benchmark, such as the Nifty 50 or the Sensex. Instead of a manager trying to pick winning stocks, the fund simply holds the same shares as the index, in roughly the same proportion.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The goal is straightforward: match the market rather than beat it. When the index rises, your fund rises with it. When the index falls, your fund falls too. There is no magic shield against losses, but you do get broad diversification and returns that closely follow the wider market.<\/span><\/p>\n<p><a href=\"https:\/\/www.paytmmoney.com\/blog\/what-is-index-fund-india-how-it-works-types-benefits\/\"><span style=\"font-weight: 400;\"><span style=\"color: #00b0ff; font-weight: 600;\">Index investing<\/span><\/span><\/a><span style=\"font-weight: 400;\"> in India has grown quickly because it is simple and low maintenance. A few quick characteristics:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">It is usually an open-ended scheme, so you can invest or redeem when it suits you.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Many funds offer both growth and dividend options.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.paytmmoney.com\/blog\/total-expense-ratio\/\"><span style=\"font-weight: 400;\"><span style=\"color: #00b0ff; font-weight: 600;\">Expense ratios<\/span><\/span><\/a><span style=\"font-weight: 400;\"> are low compared with actively managed funds, though slightly higher than most ETFs.<\/span><\/li>\n<\/ul>\n<h2><b>What Is an ETF?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">An ETF tracks an index in much the same way, but it trades on the stock exchange like an ordinary share. That means the price moves throughout the day, and you can buy or sell whenever the market is open.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">ETF investing in India has its own flavour. You will need a demat and trading account, and prices shift in real time based on supply and demand. There are several types worth knowing about, including bond ETFs, commodity ETFs, currency ETFs and sector-specific ETFs.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Quick characteristics of ETFs:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lower expense ratios, but you pay brokerage and other trading costs.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">High transparency, so you can usually see exactly what the fund holds.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Liquidity depends on market activity, so thinly traded ETFs can be harder to buy or sell at a fair price.<\/span><\/li>\n<\/ul>\n<h2><b>The Core Difference Between ETF and Index Fund<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">If you remember one thing, remember this. ETFs trade on the exchange like stocks at live prices, while index funds are bought and sold directly from the fund house at the end-of-day NAV (net asset value).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here is a side-by-side view of the ETF and Index Fund difference:<\/span><\/p>\n<div class=\"wp-block-table\" style=\"width: 100%; border: 1px solid #000000; margin-bottom: 20px;\">\n<table style=\"width: 100%; border-collapse: collapse; font-family: Arial, sans-serif; font-size: 15px; color: #000000; background-color: #ffffff;\">\n<thead>\n<tr style=\"border-bottom: 2px solid #000000;\">\n<th style=\"padding: 12px; border: 1px solid #000000; text-align: left; font-weight: bold; background-color: #ffffff; width: 25%;\">Feature<\/th>\n<th style=\"padding: 12px; border: 1px solid #000000; text-align: left; font-weight: bold; background-color: #ffffff; width: 37%;\">ETF<\/th>\n<th style=\"padding: 12px; border: 1px solid #000000; text-align: left; font-weight: bold; background-color: #ffffff;\">Index Fund<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"padding: 10px; border: 1px solid #000000; font-weight: bold;\">Trading<\/td>\n<td style=\"padding: 10px; border: 1px solid #000000;\">On the stock exchange, live prices<\/td>\n<td style=\"padding: 10px; border: 1px solid #000000;\">Through the fund house, once a day<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px; border: 1px solid #000000; font-weight: bold;\">Account needed<\/td>\n<td style=\"padding: 10px; border: 1px solid #000000;\">Demat and trading account<\/td>\n<td style=\"padding: 10px; border: 1px solid #000000;\">No demat required<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px; border: 1px solid #000000; font-weight: bold;\">Pricing<\/td>\n<td style=\"padding: 10px; border: 1px solid #000000;\">Real-time market price<\/td>\n<td style=\"padding: 10px; border: 1px solid #000000;\">End-of-day NAV<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px; border: 1px solid #000000; font-weight: bold;\">SIP option<\/td>\n<td style=\"padding: 10px; border: 1px solid #000000;\">Manual or broker-supported<\/td>\n<td style=\"padding: 10px; border: 1px solid #000000;\">Direct SIP available<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px; border: 1px solid #000000; font-weight: bold;\">Liquidity<\/td>\n<td style=\"padding: 10px; border: 1px solid #000000;\">Depends on market activity<\/td>\n<td style=\"padding: 10px; border: 1px solid #000000;\">Redeemable directly through the AMC<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px; border: 1px solid #000000; font-weight: bold;\">Costs<\/td>\n<td style=\"padding: 10px; border: 1px solid #000000;\">Lower expense ratio plus brokerage and spread<\/td>\n<td style=\"padding: 10px; border: 1px solid #000000;\">Slightly higher expense ratio<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px; border: 1px solid #000000; font-weight: bold;\">Tracking error<\/td>\n<td style=\"padding: 10px; border: 1px solid #000000;\">Generally lower (varies by fund)<\/td>\n<td style=\"padding: 10px; border: 1px solid #000000;\">Slightly higher (varies by fund)<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px; border: 1px solid #000000; font-weight: bold;\">Minimum investment<\/td>\n<td style=\"padding: 10px; border: 1px solid #000000;\">1 unit<\/td>\n<td style=\"padding: 10px; border: 1px solid #000000;\">\u20b9100 to \u20b9500 (varies by fund) (AMC-defined minimum investment amount.)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h2><b>Breaking the ETF vs Index Fund Comparison Down<\/b><\/h2>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Trading and liquidity.<\/b><span style=\"font-weight: 400;\"> This is the heart of the ETF vs Index Fund liquidity debate. ETFs can be traded any time during market hours, which lets you react to price moves. Index funds are processed once a day at NAV, which is less flexible but also far simpler. You redeem index funds straight from the fund house without worrying about market depth.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Costs.<\/b><span style=\"font-weight: 400;\"> On ETF vs Index Fund costs, ETFs usually win on the expense ratio. The catch is that brokerage, taxes and the bid-ask spread can quietly add up. Index funds look slightly pricier on paper, yet they carry no hidden trading costs.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Taxation.<\/b><span style=\"font-weight: 400;\"> ETF vs Index Fund taxation is worth a closer look. Because of how ETFs are structured, you generally pay capital gains tax only on the units you actually sell. Index funds, being mutual funds, can pass on capital gains events to investors. This can make ETFs marginally more tax-efficient for some people, though your own tax situation matters.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Tracking error.<\/b><span style=\"font-weight: 400;\"> ETFs tend to track an index a little more tightly because they hold less cash. Index funds may show a slightly higher tracking error as they manage inflows and outflows.<\/span><\/li>\n<\/ul>\n<h2><b>ETF vs Mutual Fund vs Index Fund: Clearing the Confusion<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">People often muddle these three. A mutual fund is the broad family. An index fund is a mutual fund that passively tracks an index rather than being actively managed. An ETF also tracks an index, but it lists and trades on the exchange. So in the ETF vs Mutual Fund vs Index Fund picture, index funds and ETFs are both passive cousins within the wider mutual fund world.<\/span><\/p>\n<h2><b>Which Is Better, ETF or Index Fund?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">There is no single right answer, and anyone who tells you otherwise is overselling. For ETF vs Index Fund for beginners, simplicity usually wins. For active types who enjoy timing their entries, ETFs hold appeal.<\/span><\/p>\n<p><b>An ETF may suit you if:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You already have a demat account.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You want the lowest possible expense ratio.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You like trading during the day.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You understand the gap between price and NAV.<\/span><\/li>\n<\/ul>\n<p><b>An index fund may suit you if:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You want a simple, hands-off setup.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You prefer automating a monthly SIP.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You would rather not watch the market daily.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You are focused on long-term investing.<\/span><\/li>\n<\/ul>\n<h2><b>Index Fund vs ETF Returns and Safety<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">On Index Fund vs ETF returns, the honest position is that over long periods they tend to land fairly close together. ETFs can hold a slight edge thanks to lower costs and tighter tracking, but the gap is usually small and not guaranteed.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">On safety, both carry similar risk because both follow the same index. ETFs may feel slightly more volatile due to intraday price swings, while index funds price only at the close. For a long-term holder, that difference is often minor.<\/span><\/p>\n<h2><b>Nifty ETF vs Nifty Index Fund<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">A common real-world question. A Nifty ETF and a Nifty index fund both track the Nifty 50, so their underlying exposure is nearly identical. The choice usually comes down to whether you want live trading and a demat account (the ETF route) or a simple SIP with the index fund route.<\/span><\/p>\n<h2><b>So, Should You Invest in ETF or Index Fund?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">When weighing the best passive investment options in India, match the tool to your habits. If you want flexibility, lower ongoing costs and active control, ETFs make sense. If you value automation, discipline and a buy-and-hold approach, index funds may be worth considering.\u00a0 <\/span><a href=\"https:\/\/www.paytmmoney.com\/blog\/passive-vs-active-funds-india-guide\/\"><span style=\"font-weight: 400;\"><span style=\"color: #00b0ff; font-weight: 600;\">Passive investing in India<\/span><\/span><\/a><span style=\"font-weight: 400;\"> works either way, so the real question is which style fits your life, not which one is universally superior.<\/span><\/p>\n<h2><b>Conclusion<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">The mistake most investors make is treating ETF or Index Fund as a battle with a clear winner. It is not. Both track the same indices, both spread your risk across many companies, and both keep costs low. The difference between an ETF and an index fund is really about how you want to invest, not how much you stand to earn.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you would rather <\/span><a href=\"https:\/\/www.paytmmoney.com\/blog\/stocks-etfs-sip\/\"><span style=\"font-weight: 400;\"><span style=\"color: #00b0ff; font-weight: 600;\">set up a SIP<\/span><\/span><\/a><span style=\"font-weight: 400;\">, look away and let it run, an index fund quietly does its job. If you like a demat account, live prices and squeezing costs as low as they go, an ETF rewards that involvement. Be honest about how hands-on you actually are, pick the one that matches, and then leave it alone. In passive investing, the discipline to stay invested usually matters far more than the label on the fund.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 10pt;\"><b><i>Disclaimer: <\/i><\/b><i><span style=\"font-weight: 400;\">Investments in the securities market are subject to market risks. Read all the related documents carefully before investing. This content is purely for informational purposes only and should not be considered as investment advice or a recommendation. Securities quoted are for illustration purposes only and not recommendatory. Investors are requested to do their own due diligence before investing.<\/span><\/i><\/span><\/p>\n<p><span style=\"font-size: 10pt;\"><i><span style=\"font-weight: 400;\">Paytm Money Ltd. SEBI Reg. No. Broking \u2013 INZ000240532; Depository Participant \u2013 IN \u2013 DP \u2013 416 \u2013 2019, Depository Participant Number: CDSL \u2013 12088800. Trading and clearing member of NSE (90165, M52073), BSE (6707), MCX (57525), NCDEX (1315, M51110), and MSEI (85300). SEBI Reg. No. Research Analyst \u2013 INH000020086. Regd. Office: 136, 1st Floor, Devika Tower, Nehru Place, Delhi \u2013 110019. For complete Terms &amp; Conditions and Disclaimers visit: <\/span><\/i><a href=\"https:\/\/www.paytmmoney.com\/stocks\/policies\/terms\"><i><span style=\"font-weight: 400;\">https:\/\/www.paytmmoney.com\/stocks\/policies\/terms<\/span><\/i><\/a><i><span style=\"font-weight: 400;\">\u00a0<\/span><\/i><\/span><\/p>\n<h2><b>FAQs<\/b><\/h2>\n<div style=\"max-width: 100%; margin: 20px 0; font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen-Sans, Ubuntu, Cantarell, 'Helvetica Neue', sans-serif;\">\n<style>\n        \/* Hides default browser arrow\/triangle for a clean professional look *\/<br \/>        summary::-webkit-details-marker { display: none; }<br \/>        summary { list-style: none; outline: none; }<br \/>    <\/style>\n<details style=\"border-bottom: 1px solid #e2e8f0; padding: 15px 0; cursor: pointer;\">\n<summary style=\"display: flex; justify-content: space-between; align-items: center; width: 100%;\"><span style=\"font-weight: 600; color: #1a202c; font-size: 18px; text-align: left;\">1: What Is the Difference Between an ETF and an Index Fund?<\/span><br \/>\n<span style=\"font-size: 24px; color: #007bff; margin-left: 10px;\">+<\/span><\/summary>\n<div style=\"padding-top: 10px; color: #4a5568; line-height: 1.6; text-align: left;\">The main difference between an ETF and an index fund is how they are bought and sold. ETFs trade on stock exchanges throughout the day, while index funds are purchased directly from fund houses at end-of-day NAV.<\/div>\n<\/details>\n<details style=\"border-bottom: 1px solid #e2e8f0; padding: 15px 0; cursor: pointer;\">\n<summary style=\"display: flex; justify-content: space-between; align-items: center; width: 100%;\"><span style=\"font-weight: 600; color: #1a202c; font-size: 18px; text-align: left;\">2: Which Is Better for Beginners: ETF or Index Fund?<\/span><br \/>\n<span style=\"font-size: 24px; color: #007bff; margin-left: 10px;\">+<\/span><\/summary>\n<div style=\"padding-top: 10px; color: #4a5568; line-height: 1.6; text-align: left;\">For most beginners, index funds are often easier because they support automated SIPs and do not require a demat account. ETFs may suit investors who are comfortable trading and managing investments through the stock market.<\/div>\n<\/details>\n<details style=\"border-bottom: 1px solid #e2e8f0; padding: 15px 0; cursor: pointer;\">\n<summary style=\"display: flex; justify-content: space-between; align-items: center; width: 100%;\"><span style=\"font-weight: 600; color: #1a202c; font-size: 18px; text-align: left;\">3: Do ETFs Provide Better Returns Than Index Funds?<\/span><br \/>\n<span style=\"font-size: 24px; color: #007bff; margin-left: 10px;\">+<\/span><\/summary>\n<div style=\"padding-top: 10px; color: #4a5568; line-height: 1.6; text-align: left;\">ETFs and index funds generally deliver similar returns because they track the same benchmark. However, ETFs may slightly outperform over time due to lower expense ratios and potentially lower tracking error, depending on the fund.<\/div>\n<\/details>\n<details style=\"border-bottom: 1px solid #e2e8f0; padding: 15px 0; cursor: pointer;\">\n<summary style=\"display: flex; justify-content: space-between; align-items: center; width: 100%;\"><span style=\"font-weight: 600; color: #1a202c; font-size: 18px; text-align: left;\">4: Can I Start a SIP in an ETF?<\/span><br \/>\n<span style=\"font-size: 24px; color: #007bff; margin-left: 10px;\">+<\/span><\/summary>\n<div style=\"padding-top: 10px; color: #4a5568; line-height: 1.6; text-align: left;\">Unlike index funds, ETFs do not offer traditional SIPs through fund houses. Investors can create a disciplined investment plan through brokers, but purchases are executed on the exchange at prevailing market prices.<\/div>\n<\/details>\n<details style=\"border-bottom: 1px solid #e2e8f0; padding: 15px 0; cursor: pointer;\">\n<summary style=\"display: flex; justify-content: space-between; align-items: center; width: 100%;\"><span style=\"font-weight: 600; color: #1a202c; font-size: 18px; text-align: left;\">5: Should I Invest in a Nifty ETF or a Nifty Index Fund?<\/span><br \/>\n<span style=\"font-size: 24px; color: #007bff; margin-left: 10px;\">+<\/span><\/summary>\n<div style=\"padding-top: 10px; color: #4a5568; line-height: 1.6; text-align: left;\">A Nifty ETF and a Nifty index fund provide similar exposure to the Nifty 50. The choice depends on your preference for live trading flexibility, lower costs, or the convenience of automated investing.<\/div>\n<\/details>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Two investments can track the exact same index, hold the exact same shares, and still leave you with different costs, different taxes and a different day-to-day experience. Welcome to the quiet confusion of ETFs and index funds.\u00a0 Most of us simply do not have the time to sit and watch the markets all day, and<a href=\"https:\/\/www.paytmmoney.com\/blog\/etf-vs-index-fund-india-key-differences\/\">Continue reading <span class=\"sr-only\">&#8220;ETF vs Index Fund: What Is the Difference?&#8221;<\/span><\/a><\/p>\n","protected":false},"author":51,"featured_media":6745,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[858],"tags":[2024,2017,2020,2026,2018,2016,2028,2023,2022,1467,2029,2030,2019,2027,2021,2025,2031,880,2032],"class_list":["post-6744","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-etf-blogs","tag-best-passive-investment-options-in-india","tag-difference-between-etf-and-index-fund","tag-etf-and-index-fund-difference","tag-etf-investing-in-india","tag-etf-or-index-fund","tag-etf-vs-index-fund","tag-etf-vs-index-fund-costs","tag-etf-vs-index-fund-for-beginners","tag-etf-vs-index-fund-for-long-term-investing","tag-etf-vs-index-fund-india","tag-etf-vs-index-fund-liquidity","tag-etf-vs-index-fund-taxation","tag-etf-vs-mutual-fund-vs-index-fund","tag-index-fund-investing-in-india","tag-index-fund-vs-etf-returns","tag-index-investing-in-india","tag-nifty-etf-vs-nifty-index-fund","tag-passive-investing-in-india","tag-should-i-invest-in-etf-or-index-fund"],"_links":{"self":[{"href":"https:\/\/www.paytmmoney.com\/blog\/wp-json\/wp\/v2\/posts\/6744","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.paytmmoney.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.paytmmoney.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.paytmmoney.com\/blog\/wp-json\/wp\/v2\/users\/51"}],"replies":[{"embeddable":true,"href":"https:\/\/www.paytmmoney.com\/blog\/wp-json\/wp\/v2\/comments?post=6744"}],"version-history":[{"count":0,"href":"https:\/\/www.paytmmoney.com\/blog\/wp-json\/wp\/v2\/posts\/6744\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.paytmmoney.com\/blog\/wp-json\/wp\/v2\/media\/6745"}],"wp:attachment":[{"href":"https:\/\/www.paytmmoney.com\/blog\/wp-json\/wp\/v2\/media?parent=6744"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.paytmmoney.com\/blog\/wp-json\/wp\/v2\/categories?post=6744"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.paytmmoney.com\/blog\/wp-json\/wp\/v2\/tags?post=6744"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}