{"id":888,"date":"2026-05-16T05:11:16","date_gmt":"2026-05-16T05:11:16","guid":{"rendered":"https:\/\/www.paytmmoney.com\/blog\/?p=888"},"modified":"2026-07-08T13:26:58","modified_gmt":"2026-07-08T13:26:58","slug":"picking-debt-funds","status":"publish","type":"post","link":"https:\/\/www.paytmmoney.com\/blog\/picking-debt-funds\/","title":{"rendered":"How to Choose Debt Funds: A Guide to Protecting Your Wealth"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Choosing the wrong debt fund can expose your money to credit defaults, rising interest rates, and liquidity risks. Understanding how to choose debt funds helps you identify funds that align with your financial goals and risk tolerance instead of simply chasing higher returns. They offer relatively stable returns, improved liquidity, and diversification, making them suitable for conservative investors and those seeking predictable income.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Understanding how to choose debt funds is essential for protecting your capital while achieving consistent, risk-adjusted returns.<\/span><\/p>\n<h2><b>What Are Debt Funds?<\/b><\/h2>\n<p><a href=\"https:\/\/www.paytmmoney.com\/blog\/debt-funds\/\"><span style=\"font-weight: 400;\"><span style=\"color: #00b0ff; font-weight: 600;\">Debt funds<\/span><\/span><\/a><span style=\"font-weight: 400;\">, also known as debt mutual funds, invest primarily in fixed-income securities such as government securities, treasury bills, corporate bonds, commercial papers, certificates of deposit, and other money market instruments.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Unlike equity funds, which invest in company shares, debt funds generate returns mainly from interest income and changes in bond prices. They are commonly used for capital preservation, income generation, and portfolio stability.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/p>\n<h2><b>Why Debt Mutual Funds Matter<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Many investors underestimate the importance of debt mutual funds because they often compare them only with fixed deposits. In reality, debt funds offer flexibility, professional management, and access to a diversified portfolio of fixed-income instruments.<\/span><\/p>\n<p><b>They can help investors:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Preserve capital<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Generate regular income<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Improve portfolio diversification<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Reduce overall portfolio volatility<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Balance long-term investment risk<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">A well-planned debt fund investment strategy complements equity investments and strengthens overall financial planning.<\/span><\/p>\n<h2><b>How to Choose Debt Funds<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Learning how to choose debt funds requires evaluating more than historical returns. Investors should understand the quality of underlying securities and the risks associated with each fund. <\/span><span style=\"font-weight: 400;\">Important factors include:<\/span><\/p>\n<h3><b>1. Credit Quality<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">One of the first aspects to evaluate is credit quality. Higher credit quality usually means greater safety, although it may result in relatively lower yields. For example, if your goal is emergency savings or capital preservation, you may prefer debt funds that predominantly invest in sovereign securities or highly rated AAA instruments.<\/span><\/p>\n<h3><b>2. Corporate Bond Exposure<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Review the fund&#8217;s corporate bond exposure before investing. Corporate bonds may offer higher returns than government securities, but they also carry the possibility of bond issuer default or a credit downgrade, both of which can negatively affect the fund&#8217;s performance. A diversified exposure across issuers helps reduce concentration risk.<\/span><\/p>\n<h3><b>3. Interest Rate Risk<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Interest rate risk is one of the most important factors affecting debt fund performance. When interest rates rise, existing bond prices generally decline. Funds with longer maturities tend to experience larger price movements than short-duration funds.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Understanding this relationship is essential when selecting funds that match your investment horizon.<\/span><\/p>\n<h3><b>4. Duration Risk<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Duration risk measures how sensitive a debt fund is to changes in interest rates. Funds with higher duration may deliver stronger gains when rates fall but may also experience greater declines during rising-rate environments.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Choosing the appropriate duration depends on your financial objectives and market outlook.<\/span><\/p>\n<h3><b>5. Liquidity Risk<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Some fixed-income securities may become difficult to sell during periods of debt market stress. Higher liquidity risk can affect a fund&#8217;s ability to meet redemption requests without impacting investor returns. Funds holding highly liquid securities generally provide greater stability during volatile markets.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/p>\n<h2><b>Debt Fund Categories Based on Your Financial Goals<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Different debt fund categories are designed to meet different investment objectives and time horizons. The table below provides a general overview.<\/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: 45%;\">Goal<\/th>\n<th style=\"padding: 12px; border: 1px solid #000000; text-align: left; font-weight: bold; background-color: #ffffff;\">Possible Debt Fund Category<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"padding: 10px; border: 1px solid #000000; font-weight: bold;\">Emergency fund<\/td>\n<td style=\"padding: 10px; border: 1px solid #000000;\">Liquid Fund<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px; border: 1px solid #000000; font-weight: bold;\">3-12 months<\/td>\n<td style=\"padding: 10px; border: 1px solid #000000;\">Ultra Short Duration Fund<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px; border: 1px solid #000000; font-weight: bold;\">1-3 years<\/td>\n<td style=\"padding: 10px; border: 1px solid #000000;\">Short Duration Fund<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px; border: 1px solid #000000; font-weight: bold;\">Income<\/td>\n<td style=\"padding: 10px; border: 1px solid #000000;\">Corporate Bond Fund<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px; border: 1px solid #000000; font-weight: bold;\">Falling interest rate view<\/td>\n<td style=\"padding: 10px; border: 1px solid #000000;\">Gilt\/Long Duration Fund<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h2><b>Understanding Bond Market Risk<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Every fixed-income investment carries some degree of bond market risk.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Bond prices fluctuate due to changes in:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Interest rates<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Inflation expectations<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Economic conditions<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Monetary policy<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Credit events<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">These movements can result in temporary mark-to-market losses, even when underlying issuers continue making interest payments. Investors should understand that short-term fluctuations are a normal part of fixed-income investing.<\/span><\/p>\n<h2><b>Avoid Yield Chasing<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Many investors make the mistake of yield chasing, selecting funds solely because they offer the highest recent returns. Higher yields often reflect higher credit risk or longer duration rather than superior investment quality.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Instead of focusing only on returns, evaluate the fund&#8217;s overall risk profile and potential for delivering sustainable risk-adjusted returns.<\/span><\/p>\n<h2><b>Portfolio Diversification Through Debt Funds<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Effective <\/span><a href=\"https:\/\/www.paytmmoney.com\/blog\/mtf-portfolio-diversification-strategy\/\"><span style=\"font-weight: 400;\"><span style=\"color: #00b0ff; font-weight: 600;\">portfolio diversification<\/span><\/span><\/a><span style=\"font-weight: 400;\"> helps reduce overall investment risk. Debt funds provide diversification by investing across different issuers, maturities, and sectors within the fixed-income market.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Combining debt funds with equity investments creates a more balanced asset allocation strategy, allowing investors to manage volatility while pursuing long-term financial goals.<\/span><\/p>\n<h2><b>Choosing Debt Funds in India<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">When choosing debt funds in India, investors should consider several practical factors:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Investment objective<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Risk tolerance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Investment horizon<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Credit quality of holdings<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Duration profile<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Expense ratio<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fund manager&#8217;s investment process<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Portfolio transparency<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Rather than searching only for the best debt funds for investors, select funds that align with your personal financial needs and risk profile.<\/span><\/p>\n<h2><b>Common Risks in Debt Funds<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Although debt funds are generally considered less volatile than equities, they are not risk-free.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Potential risks include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Interest rate risk<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Duration risk<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.paytmmoney.com\/blog\/liquid-mutual-funds\/\"><span style=\"font-weight: 400;\"><span style=\"color: #00b0ff; font-weight: 600;\">Liquidity risk<\/span><\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Credit downgrade<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bond issuer default<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bond market risk<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Mark-to-market losses<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Understanding these risks allows investors to make more informed investment decisions.<\/span><\/p>\n<h2><b>Building a Strong Debt Fund Portfolio Allocation<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">An effective debt fund portfolio allocation depends on your financial objectives. Conservative investors may prefer funds with high-quality government securities and shorter maturities, while moderate investors may allocate a portion to corporate bond funds for potentially higher income.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Regular portfolio reviews help ensure your investments remain aligned with changing financial goals and market conditions.<\/span><\/p>\n<h2><b>Fixed Income Investing for Long-Term Stability<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Successful fixed income investing is not about finding the highest yield but maintaining consistency, managing risk, and protecting capital. A disciplined approach that prioritises high-quality securities, diversification, and appropriate duration can improve long-term investment outcomes.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Instead of reacting to short-term market movements, focus on building a resilient portfolio capable of performing across different interest rate cycles.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/p>\n<h2><b>Conclusion<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Choosing the right debt fund involves looking beyond recent returns. Evaluating factors such as credit quality, duration, interest rate risk, liquidity, and your investment horizon can help you make more informed investment decisions. Selecting a debt fund that aligns with your financial goals and risk tolerance is an important step towards building a balanced investment portfolio.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Rather than focusing solely on higher yields, consider how a debt fund fits into your overall asset allocation strategy. A well-diversified portfolio that includes appropriate debt funds can help manage risk, improve portfolio stability, and support long-term financial goals across different market conditions.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 10pt;\"><b><i>Disclaimer:<\/i><\/b><i><span style=\"font-weight: 400;\"> Mutual fund investments are subject to market risks. Read all the related documents carefully before investing. This content is purely for information purpose only and in no way is to be considered as an advice or recommendation. The securities are quoted as an example and not as a recommendation. 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;\">SEBI Reg No.: Broking \u2013 INZ000240532, Research Analyst \u2013 INH000020086, Depository Participant \u2013 IN-DP-416-2019, Depository Participant Number: CDSL \u2013 12088800, NSE (90165), BSE (6707), MCX (57525), NCDEX (1315), MSEI (85300).<\/span><\/i><\/span><\/p>\n<p><span style=\"font-size: 10pt;\"><i><span style=\"font-weight: 400;\">Registered Office: 136, 1st Floor, Devika Tower, Nehru Place, Delhi \u2013 110019.<\/span><\/i><\/span><\/p>\n<p><span style=\"font-size: 10pt;\"><i><span style=\"font-weight: 400;\">For complete Terms &amp; Conditions and Disclaimers, visit <\/span><\/i><a href=\"https:\/\/www.paytmmoney.com\/\"><i><span style=\"font-weight: 400;\">https:\/\/www.paytmmoney.com<\/span><\/i><\/a><i><span style=\"font-weight: 400;\">.<\/span><\/i><\/span><i><\/i><\/p>\n<p>&nbsp;<\/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<p><!-- Question 1 --><\/p>\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. Can debt funds deliver negative returns?<\/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;\">Yes, debt funds can generate negative returns temporarily due to interest rate movements, credit downgrades, or mark-to-market losses, although they are generally less volatile than equity funds.<\/div>\n<\/details>\n<p><!-- Question 2 --><\/p>\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. What are debt funds, and how do they work?<\/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;\">Debt funds are mutual funds that invest in fixed-income securities such as government bonds, corporate bonds, treasury bills, and money market instruments to generate income and preserve capital.<\/div>\n<\/details>\n<p><!-- Question 3 --><\/p>\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. How do I choose the right debt fund for my investment horizon?<\/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;\">Choose a debt fund that aligns with how long you plan to stay invested. For shorter investment horizons, investors often consider liquid or ultra-short duration funds, while longer horizons may be suited to other debt fund categories depending on their financial goals and risk tolerance.<\/div>\n<\/details>\n<p><!-- Question 4 --><\/p>\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. How are debt funds taxed in India?<\/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;\">Debt funds are taxed according to the prevailing income tax rules in India, and the applicable tax depends on current regulations and your individual tax slab.<\/div>\n<\/details>\n<p><!-- Question 5 --><\/p>\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. Which debt fund is suitable for different financial goals?<\/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 suitable debt fund category depends on your investment objective and time horizon. For example, liquid funds are commonly used for emergency savings, while short-duration or corporate bond funds may be considered for medium-term goals. Always assess the fund&#8217;s investment objective and risk before investing.<\/div>\n<\/details>\n<p><!-- Question 6 --><\/p>\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;\">6. What should I check before investing in a debt mutual 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;\">Review the fund&#8217;s credit quality, duration, portfolio composition, interest rate risk, expense ratio, and investment objective before making an investment decision.<\/div>\n<\/details>\n<p><!-- Question 7 --><\/p>\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;\">7. Are debt funds safer than fixed deposits?<\/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;\">Debt funds and fixed deposits serve different purposes and have different risk profiles. Fixed deposits generally offer guaranteed returns, whereas debt funds are market-linked and can fluctuate in value. However, debt funds provide diversification, liquidity, and professional management, making them suitable for different investment needs.<\/div>\n<\/details>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Choosing the wrong debt fund can expose your money to credit defaults, rising interest rates, and liquidity risks. Understanding how to choose debt funds helps you identify funds that align with your financial goals and risk tolerance instead of simply chasing higher returns. They offer relatively stable returns, improved liquidity, and diversification, making them suitable<a href=\"https:\/\/www.paytmmoney.com\/blog\/picking-debt-funds\/\">Continue reading <span class=\"sr-only\">&#8220;How to Choose Debt Funds: A Guide to Protecting Your Wealth&#8221;<\/span><\/a><\/p>\n","protected":false},"author":27,"featured_media":6802,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[827],"tags":[2231,2234,2235,2228,248,2245,2229,2230,2244,630,1830],"class_list":["post-888","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mutual-funds","tag-choosing-debt-funds-in-india","tag-debt-fund-investment-strategy","tag-debt-fund-portfolio-allocation","tag-debt-funds","tag-debt-mutual-funds","tag-fixed-income-investing","tag-how-to-choose-debt-funds","tag-how-to-select-debt-mutual-funds","tag-liquidity-risk","tag-portfolio-diversification","tag-risk-adjusted-returns"],"_links":{"self":[{"href":"https:\/\/www.paytmmoney.com\/blog\/wp-json\/wp\/v2\/posts\/888","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\/27"}],"replies":[{"embeddable":true,"href":"https:\/\/www.paytmmoney.com\/blog\/wp-json\/wp\/v2\/comments?post=888"}],"version-history":[{"count":0,"href":"https:\/\/www.paytmmoney.com\/blog\/wp-json\/wp\/v2\/posts\/888\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.paytmmoney.com\/blog\/wp-json\/wp\/v2\/media\/6802"}],"wp:attachment":[{"href":"https:\/\/www.paytmmoney.com\/blog\/wp-json\/wp\/v2\/media?parent=888"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.paytmmoney.com\/blog\/wp-json\/wp\/v2\/categories?post=888"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.paytmmoney.com\/blog\/wp-json\/wp\/v2\/tags?post=888"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}