{"id":4460,"date":"2023-04-07T17:08:33","date_gmt":"2023-04-07T11:38:33","guid":{"rendered":"https:\/\/fatakpay.com\/blog\/?p=4460"},"modified":"2026-01-23T15:27:17","modified_gmt":"2026-01-23T09:57:17","slug":"what-is-nps","status":"publish","type":"post","link":"https:\/\/www.fatakpay.com\/blog\/learn-finance\/what-is-nps\/","title":{"rendered":"What is NPS?"},"content":{"rendered":"\n<p>In January 2004, the<strong> National Pension Scheme <\/strong>(NPS), a government-sponsored pension program, was introduced for public servants. In 2009, it became accessible to all sections. <\/p>\n\n\n\n<p>During her working years, a subscriber can make regular contributions to a pension account, withdraw a portion of the corpus all at once, and utilise the balance to purchase an annuity to ensure a steady income after retirement.<\/p>\n\n\n\n<p>For everybody who works in the private sector and needs a consistent pension after retirement, the NPS programme is of great benefit. The programme has tax advantages under Sections 80C and 80CCD and is transferable between jobs and places.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_80 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.fatakpay.com\/blog\/learn-finance\/what-is-nps\/#Who_should_invest_in_the_NPS\" >Who should invest in the NPS?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.fatakpay.com\/blog\/learn-finance\/what-is-nps\/#Features_and_benefits_of_NPS\" >Features and benefits of NPS<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.fatakpay.com\/blog\/learn-finance\/what-is-nps\/#ReturnsInterest\" >Returns\/Interest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.fatakpay.com\/blog\/learn-finance\/what-is-nps\/#Risk_Assessment\" >Risk Assessment<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.fatakpay.com\/blog\/learn-finance\/what-is-nps\/#NPS_Tax_benefit\" >NPS Tax benefit<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.fatakpay.com\/blog\/learn-finance\/what-is-nps\/#Tax_advantages_for_self-contributions_by_employees\" >Tax advantages for self-contributions by employees<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.fatakpay.com\/blog\/learn-finance\/what-is-nps\/#Tax_advantages_for_employees_on_employer_contributions\" >Tax advantages for employees on employer contributions:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.fatakpay.com\/blog\/learn-finance\/what-is-nps\/#Tax_advantages_for_independent_contractors\" >Tax advantages for independent contractors:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.fatakpay.com\/blog\/learn-finance\/what-is-nps\/#Partial_withdrawals_from_NPS_accounts_provide_tax_advantages\" >Partial withdrawals from NPS accounts provide tax advantages:<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.fatakpay.com\/blog\/learn-finance\/what-is-nps\/#Tax_benefit_for_purchasing_an_annuity\" >Tax benefit for purchasing an annuity:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.fatakpay.com\/blog\/learn-finance\/what-is-nps\/#Taking_a_lump_sum_withdrawal_has_tax_benefits\" >Taking a lump sum withdrawal has tax benefits:<\/a><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.fatakpay.com\/blog\/learn-finance\/what-is-nps\/#NPS_Withdrawal_rules_after_retirement_60_years\" >NPS Withdrawal rules after retirement (60 years):<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.fatakpay.com\/blog\/learn-finance\/what-is-nps\/#NPS_Early_Withdrawal_or_Exit_Rules\" >NPS Early Withdrawal or Exit Rules:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.fatakpay.com\/blog\/learn-finance\/what-is-nps\/#Equity_Allocation_Rules\" >Equity Allocation Rules<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.fatakpay.com\/blog\/learn-finance\/what-is-nps\/#Option_to_change_the_scheme_or_fund_manager\" >Option to change the scheme or fund manager:<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.fatakpay.com\/blog\/learn-finance\/what-is-nps\/#NPS_Eligibility\" >NPS Eligibility:<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/www.fatakpay.com\/blog\/learn-finance\/what-is-nps\/#About_FatakPay\" >About FatakPay:&nbsp;<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Who_should_invest_in_the_NPS\"><\/span><strong>Who should invest in the NPS?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Anyone who wants to start <mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-black-color\">planning for retirement<\/mark> early and has a low tolerance for risk should consider the NPS. It goes without saying that having a steady pension (income) throughout your golden years will be a blessing, especially for those who leave private-sector employment.<\/p>\n\n\n\n<p>A methodical investment like this can significantly impact your life after retirement. In reality, salaried individuals who desire to maximise their 80C deductions might also take this plan into consideration.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Features_and_benefits_of_NPS\"><\/span><strong>Features and benefits of NPS<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"ReturnsInterest\"><\/span><strong>Returns\/Interest<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>A portion of the <strong>NPS<\/strong> is invested in stocks. (this may not offer guaranteed returns). However, compared to other conventional tax-saving investments like the <mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-black-color\">PPF<\/mark>, it provides returns that are far higher.<\/p>\n\n\n\n<p>This programme has been in place for more than ten years and has thus far produced annualised returns of 9% to 12%. If you are unhappy with the performance of the fund, NPS also gives you the option of switching fund managers.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Risk_Assessment\"><\/span><strong>Risk Assessment<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Currently, the <strong>National Pension Scheme&#8217;s<\/strong> equity exposure is capped between 75% and 50%. The ceiling for government workers is set at 50%. The equity component will decrease by 2.5% annually in the range specified starting in the year the investor turns 50.<\/p>\n\n\n\n<p>However, the maximum is set at 50% for investors 60 years of age and older. As a result, the risk-return relationship is stabilised in the interest of investors, protecting the corpus to some extent from the volatility of the equity market.<\/p>\n\n\n\n<p>NPS has a larger earning potential than other fixed-income plans.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"NPS_Tax_benefit\"><\/span><strong>NPS Tax benefit<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Tax_advantages_for_self-contributions_by_employees\"><\/span><strong>Tax advantages for self-contributions by employees<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>The following <mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-black-color\">tax benefits<\/mark> are available to employees who make NPS contributions:<\/p>\n\n\n\n<p>a) Tax deduction up to 10% of pay (Basic + DA) under Section 80 CCD(1), up to a maximum of Rs. 1.50 lakh under Section 80CCE.<\/p>\n\n\n\n<p>b) In addition to the overall maximum of Rs. 1.50 lakh under Section 80CCE, a tax deduction of up to Rs. 50,000 under Section 80 CCD(1B).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Tax_advantages_for_employees_on_employer_contributions\"><\/span><strong>Tax advantages for employees on employer contributions:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Eligible for a <mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-black-color\">tax deduction<\/mark> of up to 10% of the pay (Basic + DA) granted by the employer under Section 80 CCD(2) beyond the Rs. 1.50 lakh limit provided by Section 80CCE (14% if such contribution is made by the Central Government).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Tax_advantages_for_independent_contractors\"><\/span><strong>Tax advantages for independent contractors:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>The following tax benefits are available to self-employed people who make NPS contributions on their own behalf:<\/p>\n\n\n\n<p>a) A tax deduction of up to 20% of gross income allowed by Section 80 CCD (1) with a maximum deduction allowed by Section 80CCE of Rs. 1.50 lakh.<\/p>\n\n\n\n<p>b) In addition to the overall maximum of Rs. 1.50 lakh under Section 80CCE, a tax deduction of up to Rs. 50,000 under Section 80 CCD(1B).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Partial_withdrawals_from_NPS_accounts_provide_tax_advantages\"><\/span><strong>Partial withdrawals from NPS accounts provide tax advantages:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Subject to the conditions and conditions outlined by PFRDA under section 10, qualified for tax exemption on amounts withdrawn up to 25% of self-contribution.(12B).<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Tax_benefit_for_purchasing_an_annuity\"><\/span><strong>Tax benefit for purchasing an annuity:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>A 60-year-old who is eligible for a tax break under Section 80CCD on the purchase of an annuity or a superannuation(5). However, the annuity&#8217;s subsequent income is taxed under Section 80CCD(3).<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Taking_a_lump_sum_withdrawal_has_tax_benefits\"><\/span><strong>Taking a lump sum withdrawal has tax benefits:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>Upon reaching the age of 60 or reaching superannuation, Section 10 permits a tax exemption on a lump-sum withdrawal of 60% of accrued pension funds.(12A).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"NPS_Withdrawal_rules_after_retirement_60_years\"><\/span><strong>NPS Withdrawal rules after retirement (60 years):<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>At present, a person may take a lump sum distribution of up to 60% of the total corpus, with the remaining 40% entering into an annuity plan. According to the new NPS regulations, subscribers may withdraw their whole capital if it is less than or equivalent to Rs 5 lakh without purchasing an annuity plan. Furthermore, these withdrawals are tax-free.<\/p>\n\n\n\n<p>For instance, if a person retires with a corpus of Rs. 4.5 lakh, they may withdraw the entire amount. The <mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-black-color\">tax planning<\/mark> free withdrawal cap is set at Rs. 6 lakh for corpus amounts greater than Rs. 10 lakh. They need to acquire an annuity plan for the remaining Rs 4 lakh.\u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"NPS_Early_Withdrawal_or_Exit_Rules\"><\/span><strong>NPS Early Withdrawal or Exit Rules:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>When a subscriber achieves superannuation age or turns 60, he or she is required to use at least 40% of the collected pension corpus to buy an annuity that offers a regular monthly pension. You can take a lump sum withdrawal of the remaining funds.<\/p>\n\n\n\n<p>If a subscriber&#8217;s whole accrued pension corpus is less than or equal to Rs. 5 lakh, they are eligible for a 100% lump sum withdrawal.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Equity_Allocation_Rules\"><\/span><strong>Equity Allocation Rules<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>The NPS invests in a variety of plans, and its Plan E invests in equities. A maximum of 50% of your money can be put into stocks. Investment possibilities include active choice and automatic choosing.<\/p>\n\n\n\n<p>Your investments&#8217; risk profile is determined automatically based on your age. For instance, your investments become more secure and less dangerous as you age. You can choose the plan and divide your investments using the active choice option.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Option_to_change_the_scheme_or_fund_manager\"><\/span><strong>Option to change the scheme or fund manager:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>If you are unhappy with the performance of the fund manager or the <strong>pension plan<\/strong>, NPS gives you the option to switch. Both tiers I and II accounts have access to this choice.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"NPS_Eligibility\"><\/span><strong>NPS Eligibility:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Anyone who meets the eligibility requirements listed below may join NPS:<\/p>\n\n\n\n<p>Ideally, they should be an Indian citizen (either a resident or a non-resident). (NRI).<\/p>\n\n\n\n<p>should be between the ages of 18 and 70.<\/p>\n\n\n\n<p>The application form&#8217;s Know Your Customer (KYC) requirements must be followed.<\/p>\n\n\n\n<p>According to the Indian Contract Act, one must be able to lawfully sign a contract.<\/p>\n\n\n\n<p>Persons of Indian Origin (PIOs), Hindu Undivided Families (HUFs), and Overseas Citizens of India (OCI) are ineligible to enrol to NPS.<\/p>\n\n\n\n<p>Since NPS is an individual pension account, a third party cannot open one on their behalf.<\/p>\n\n\n\n<p>To explore more long-term, tax-saving investment options and strengthen your retirement planning, you can also read <strong><a href=\"https:\/\/fatakpay.com\/blog\/what-is-ppf\/\" target=\"_blank\" rel=\"noopener\">what is ppf<\/a><\/strong> and <strong><a href=\"https:\/\/fatakpay.com\/blog\/what-is-elss\/\" target=\"_blank\" rel=\"noopener\">what is ELSS<\/a><\/strong>. These instruments, along with NPS, can help you build a balanced and tax-efficient investment strategy for your future.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"About_FatakPay\"><\/span><strong>About FatakPay:<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong><a href=\"https:\/\/fatakpay.com\/\" target=\"_blank\" rel=\"noopener\">FatakPay<\/a><\/strong> provides virtual <mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-black-color\">small credit<\/mark> facilities for all. It&#8217;s available on your phone and caters to your everyday needs in both online and offline formats. Payments are done seamlessly through <mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-black-color\">UPI<\/mark>\/QR codes. The solution provides an almost zero cost, free, quick, transparent and secure way to transact in a multilingual format with a Scan Now, Pay Later facility and easy repayment options.<\/p>\n\n\n\n<p>Link to FatakPay App: <mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-cyan-blue-color\"><a href=\"https:\/\/link.ftkp.in\/2uSI\/dkasgvnf\" target=\"_blank\" rel=\"noopener\">https:\/\/link.ftkp.in\/2uSI\/dkasgvnf<\/a><\/mark><\/p>\n\n\n\n<p>Link to the Website: <mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-cyan-blue-color\"><a href=\"https:\/\/fatakpay.com\/\" target=\"_blank\" rel=\"noopener\">https:\/\/fatakpay.com\/<\/a><\/mark><\/p>\n\n\n<p><script type=\"application\/ld+json\"><br \/>\n{<br \/>\n  \"@context\": \"https:\/\/schema.org\",<br \/>\n  \"@type\": \"BlogPosting\",<br \/>\n  \"headline\": \"What is NPS?\",<br \/>\n  \"description\": \"Learn what the National Pension System (NPS) is and how it helps you build retirement savings with long-term tax advantages.\",<br \/>\n  \"image\": \"https:\/\/fatakpay.com\/blog\/wp-content\/uploads\/2023\/04\/what-is-NPS-2.jpg\",<br \/>\n  \"datePublished\": \"2023-04-07\",<br \/>\n  \"dateModified\": \"2023-04-07\",<br \/>\n  \"mainEntityOfPage\": {<br \/>\n    \"@type\": \"WebPage\",<br \/>\n    \"@id\": \"https:\/\/fatakpay.com\/blog\/what-is-nps\/\"<br \/>\n  },<br \/>\n  \"author\": {<br \/>\n    \"@type\": \"Organization\",<br \/>\n    \"name\": \"FatakPay Digital Pvt. 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During her working years, a subscriber can make regular contributions to a pension account, withdraw a portion of the corpus all at once, and utilise the balance to purchase an<\/p>\n","protected":false},"author":1,"featured_media":6797,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[260],"tags":[97,98,95,96,103],"class_list":{"0":"post-4460","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-learn-finance","8":"tag-fatakpay","9":"tag-finance-tips","10":"tag-financial-wellness","11":"tag-fintech","12":"tag-investments"},"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/posts\/4460","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/comments?post=4460"}],"version-history":[{"count":10,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/posts\/4460\/revisions"}],"predecessor-version":[{"id":7480,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/posts\/4460\/revisions\/7480"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/media\/6797"}],"wp:attachment":[{"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/media?parent=4460"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/categories?post=4460"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/tags?post=4460"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}