{"id":532,"date":"2019-04-29T13:23:10","date_gmt":"2019-04-29T13:23:10","guid":{"rendered":"https:\/\/rta.saginfotech.com\/blog\/?p=532"},"modified":"2019-09-24T07:48:19","modified_gmt":"2019-09-24T07:48:19","slug":"mutual-funds-types-important-factors","status":"publish","type":"post","link":"https:\/\/rta.saginfotech.com\/blog\/mutual-funds-types-important-factors\/","title":{"rendered":"Mutual Funds: Types and Factors Playing an Important Role"},"content":{"rendered":"\n

Mutual Funds<\/strong> refers to the corpus of money amassed by various investors who desire to save their money and earn high via their investment. The accumulated money is then invested in different asset categories like debt funds, liquid assets etc.<\/p>\n\n\n\n

Each\nshareholder, therefore, participates proportionally in the gains or\nlosses of the fund. The profits earned and losses incurred over a\nperiod of time have to be shared in a similar fashion among the\ninvestors in consonance with their proportion of contribution in the\ncorpus.<\/p>\n\n\n\n

Mutual Funds are registered with SEBI (Securities and Exchange Board of India)<\/strong> that regulates security markets before the collection of the funds from the investors.<\/strong><\/a><\/p>\n\n\n\n

Investing in a Mutual Funds is not a big task, in fact, it is as simple as online trading of stocks<\/strong> or bonds and investors can sell out their shares whenever they wish to.<\/p>\n\n\n\n

Types of Mutual Funds in India<\/strong><\/h2>\n\n\n\n

A wide range of mutual funds in India is classified on the basis of investment objective, asset class, and structure. <\/p>\n\n\n\n

Let\u2019s have a look at different types of mutual funds:<\/strong><\/p>\n\n\n\n

\"Types<\/figure>\n\n\n\n

Types of Mutual Funds Based on the Basis of Asset Class:<\/strong><\/h3>\n\n\n\n

Equity Funds –<\/strong><\/h4>\n\n\n\n

Equity\nfunds are mutual funds which invest principally in equity stocks or\nshares of the company. Equity funds are highly risky but at the same\ntime, they have a tendency to manifest higher returns in the long\nterm. They are also known as stock funds.<\/p>\n\n\n\n

Debt Funds –<\/strong><\/h4>\n\n\n\n

Debt\nfunds are mutual funds which usually invest in the debts such as\ngovernment securities, government bonds, corporate bonds and fixed\nincome assets etc. Debt funds are likely to more stable.Because of\ntheir ability to provide fixed returns, they are referred to as a\nsafe investment tool.<\/p>\n\n\n\n

Money Market Funds –<\/strong><\/h4>\n\n\n\n

A\nmoney market refers to the mutual funds that are invested in liquid\ninstruments or short-term investments like CPs, T-Bills etc. These\nmutual funds are highly liquid and one can invest money in money\nmarket funds for a duration of a day or two even. They are safe\ninvestment choice with instant yet moderate return on the investment,\na perfect selection for investors with abundant funds.<\/p>\n\n\n\n

Hybrid or Balanced Funds –<\/strong><\/h4>\n\n\n\n

A Balanced or hybrid fund is a blend of equity and debt funds which offers a one-stop investment mix by investing an equal amount in equity and debt funds to maintain a perfect balance between risk levels and returns in the investment, fair enough for maximum diversification and assured return.<\/p>\n\n\n\n

Recommended: <\/em><\/strong>Registrar and Transfer Agents (RTA) Benefits To Mutual Fund House<\/em><\/strong><\/a><\/p><\/blockquote>\n\n\n\n

Sector Funds –<\/strong><\/h4>\n\n\n\n

Mutual\nfunds which invest in a particular sector or division of the market\nare known to be sector-specific funds. For instance, health care\ncompanies like Pfizer, United-Healthcare, Cigna Corp, Abbott\nLaboratories etc invest in health sector mutual fund, such as\nVanguard Health Care (VGHCX) or T. Rowe Price Health Sciences\n(PRHSX), for broad exposure to the healthcare industry.<\/p>\n\n\n\n

Returns\nand risks on an investment are completely based on the performance of\nthat specific sector. As the portfolio of such mutual funds\nencompasses investment in a specific type of sector, they offer\nlesser diversification and are prone to high risks.<\/p>\n\n\n\n

Index Funds –<\/strong><\/h4>\n\n\n\n

The index fund is a kind of investment which is made to match the working of a financial market index, such as the Standard & Poor’s 500 Index (S&P 500). These funds are investment tools that represent specific index on the exchange with the purpose to track the returns and the movement of the index, viz. purchasing shares from the BSE Sensex.<\/strong> Benefits include broader exposure to the market, less operating cost and low portfolio turnover.<\/p>\n\n\n\n

Tax-Saving Funds –<\/strong><\/h4>\n\n\n\n

These\nfunds make investment majorly in the equity shares. Tax-saving funds\nmake an investor eligible to claim tax deductions under the Income\nTax Act. The risk factor involved in these funds is usually high but\nat the same time it accompanies higher returns if the funds perform\nwell.<\/p>\n\n\n\n

Funds of Funds –<\/strong><\/h4>\n\n\n\n

A\nfund of funds (FOF) \u2013 also known as a multi-manager investment \u2013\nis a mutual fund scheme that invests in other schemes of mutual funds\nand the returns are based on the overall performance of the target\nfunds.<\/p>\n\n\n\n

Types of Mutual Funds Based on Structure:<\/strong><\/h3>\n\n\n\n

Open-Ended Funds –<\/strong><\/h4>\n\n\n\n

Open-Ended Funds are investment tools which deal with units that are purchased or redeemed throughout the year. Such purchases or redemptions are done at the ongoing Net Asset Value (NAV).<\/strong> These funds offer high liquidity to the investors which interprets that an investor may exit anytime and they get money at the current NAV, which is published by the mutual fund houses daily, that’s is why it is highly preferable as well.<\/p>\n\n\n\n

Close-Ended Funds –<\/strong><\/h4>\n\n\n\n

Close-Ended\nmutual funds investment tools deal with units that are purchasable\nonly at the initial period. The units are redeemable only on a\nspecific maturity date which means investors can neither enter nor\nexit from the scheme till the term of the scheme ends. To maintain\nliquidity, these schemes are listed on the stock exchange for trading\npurposes.<\/p>\n\n\n\n

Mutual Funds Classified on the Based of Investment Objective –<\/strong><\/h3>\n\n\n\n

Growth Funds –<\/strong><\/h4>\n\n\n\n

A\ngrowth fund is an assorted portfolio of equity stocks of companies\nexpected to grow revenue as its primary motive is to provide capital\nappreciation. These funds are risky but yet ideal for investors who\nprefer long-term investments.<\/p>\n\n\n\n

Income Funds –<\/strong><\/h4>\n\n\n\n

Income\nFunds are investment instrument via which money gets invested in\nfixed income instruments such as high dividend generating stocks,\ngovernment securities, certificate of deposits, corporate bonds,\nmoney market Instruments and debentures. It mainly focuses on\ngenerating a steady income for the investors and serving them with\nmaximum capital protection.<\/p>\n\n\n\n

Liquid Funds –<\/strong><\/h4>\n\n\n\n

Liquid\nfunds are simply debt mutual funds that invest your money in very\nshort-term market instruments like CPs, T-Bills, government\nsecurities etc. The primary focus is to provide liquidity to\ninvestors. These schemes have a short maturity period, holds least\nrisk factor and moderate returns on investment, perfect option for\ninvestors who prefer short-term investments.<\/p>\n\n\n\n

Different Mutual Funds on the Basis of Mutual Fund Investment Goals:<\/strong><\/h3>\n\n\n\n

Mutual fund manager sets goals for different mutual fund investments. Every mutual fund has its own primary and other goals. <\/p>\n\n\n\n

So, on the basis of these different objectives, mutual funds are divided into 5 categories, which are as follows:<\/p>\n\n\n\n

1. Aggressive Growth Funds –<\/strong><\/h4>\n\n\n\n

Aggressive growth is a mutual fund investment tool that seeks huge capital profits from aggressive growth stocks (Stocks of companies with the ability to grow at a faster pace as compared to the overall stock market). <\/p>\n\n\n\n

Aggressive growth funds have higher chances of sudden growth and so the risk factor involved is also very high. Investing in these funds is an ideal option for the investors who are willing to invest their money for a time period of five years and their investment objective is to fetch high returns in the long run.<\/p>\n\n\n\n

The\ninvestors whose objective revolve around conserving capital and can\u2019t\nafford to lose the value of their investment , should not invest in\naggressive growth funds as the funds with instant price appreciation\nability lose their value promptly during the recession in the\neconomy.<\/p>\n\n\n\n

2. Growth Funds –<\/strong><\/h4>\n\n\n\n

A mutual fund that invests in growth stocks (an emerging company) to fetch maximum capital appreciation is a growth mutual fund. The fund manager would opt for a growth stock, which uses the growth for yielding profits and not for paying the dividends. Usually holding onto growth funds proves profitable for the investor(s). The option is ideal for long -term investors<\/strong> who wish to earn huge profits.<\/p>\n\n\n\n

3. Balanced Funds –<\/strong><\/h4>\n\n\n\n

A balanced fund is a blend of the income and growth funds with a mixture of goals to achieve. Balanced funds are best for investors who desire a fusion of safety, income, and modest capital appreciation. The stability range of ‘Balanced funds’ lies between low to moderate, however, its potential for growth and current income is moderate.<\/p>\n\n\n\n

4. Income Funds –<\/strong><\/h4>\n\n\n\n

Income\nfunds ensure a steady income for investors by investing in high\ndividend generating stocks, government securities, certificate of\ndeposits, corporate bonds, money market Instruments and debentures.\nThese funds are perfect for the investors who are retired, as they\nwill have a regular supply of dividends. It is a stable investment\ntool with moderate risk factor because the changes in the rate of\ninterest and inflation affect the prices of income share funds and\nbonds also.<\/p>\n\n\n\n

5. Money Market Mutual Funds –<\/strong><\/h4>\n\n\n\n

A\nmoney market fund is a mutual fund that invests solely in highly\nliquid instruments like cash, cash equivalent securities, and high\ncredit rating debt-based securities coupled with a short-term\nmaturity i.e. less than 13 months. As a result, it offers higher\nliquidity at a very low-risk factor which further enables investors\nto alter and reformulate their investments strategies.<\/p>\n\n\n\n

How\nto Make a Fund Selection?<\/strong><\/h2>\n\n\n\n

Factors like financial goals, risk-bearing capacity, time period and capital affect the investment decisions so for the right selection of mutual fund investment<\/strong> instrument, a thorough evaluation of your fiscal goals, time frame and risk threshold should be done. In this way, you can select the most preferable option for you.<\/p>\n\n\n\n

The following tips will help you formulate your investment strategies:<\/strong><\/p>\n\n\n\n

Diversification – An Important key<\/strong><\/h4>\n\n\n\n

If you put all the eggs in one basket, the risk factor elevates while if you diversify your capital in different mutual fund investment tools<\/strong>, the risk involved is stabilized because the risk in a fund which is not yielding great returns, tends to be nullified against other investment instruments.<\/p>\n\n\n\n

Inflation – A Considerable Factor<\/strong><\/h4>\n\n\n\n

One needs to keep the inflation factor also in his\/her mind while choosing for a mutual fund to invest in. If the inflation rate is lower then the rate of return then it seems a good idea for the investment but if an inflation rate tends to spread its wings wider in the coming future, you will end up with losses. <\/p>\n\n\n\n

For example,<\/strong> if the rate of return is 8% but the inflation rate is 9 %, you will have a 1% loss with such an investment.<\/p>\n\n\n\n

Patience\n– One of the key<\/strong><\/h4>\n\n\n\n

Patience is one of the keys to harvesting good returns<\/strong> in the unpredictable & volatile market of mutual funds. One should keep patience and should not withdraw instantly if the funds fall short of its value. Collapsing funds can perform great later. So one should be patient to analyse the situation thoroughly and to let their funds recover itself. A Person with patience can opt for long-term investment.<\/p>\n\n\n\n

Age – A Role Player<\/strong><\/h4>\n\n\n\n

Age plays an important role while formulating an investment strategy as young investors have ample time to invest in long term investment tools which can yield them high returns over a period of time while people at retiring edge should go for short-term and safe investments like money market fund or bonds.<\/strong><\/p>\n\n\n\n

Risk Threshold – A Major Determinant<\/strong><\/h4>\n\n\n\n

Risk\nThreshold is the limit of risk an investor is willing to bear with\nhis\/her invested money. If your risk tolerance is low then you must\ninvest in liquid funds or ultra short-duration funds while if it is\nhigh you can choose arbitrage funds, small-cap funds etc.<\/p>\n\n\n\n

Time Horizon – An Inevitable Element<\/strong><\/h4>\n\n\n\n

Time horizon means the time period for which you wish to keep your money invested in a mutual fund. It can be either as short as a day or as long as more than 5 years. Different fund categories work best for different time horizons. For instance, one must go for Equity funds<\/strong> if the time horizon exceeds 5 years. In the same way, if the time horizon is between one day to three months then liquid funds are the best choice.<\/p>\n\n\n\n

Mutual\nFunds Benefits – Most obvious<\/strong><\/h4>\n\n\n\n

The\npurpose of investing in mutual funds vary from person to\nperson.Mutual funds serve ample benefits such as professional\nmanagement, diversification, affordability, liquidity, tax deduction\netc. A smart person chooses that mutual fund instrument which offers\nmaximum benefits as per his\/her priorities.<\/p>\n","protected":false},"excerpt":{"rendered":"

Mutual Funds refers to the corpus of money amassed by various investors who desire to save their money and earn high via their investment. The accumulated money is then invested in different asset categories like debt funds, liquid assets etc. Each shareholder, therefore, participates proportionally in the gains or losses of the fund. The profits […]<\/p>\n","protected":false},"author":1,"featured_media":565,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"yoast_head":"\nMutual Funds:Types and Factors Playing an Important Role | SAG RTA<\/title>\n<meta name=\"description\" content=\"Mutual Funds refers to the corpus of money amassed by various investors. Know the different types of mutual funds in India and fund investment\/selection strategies.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/rta.saginfotech.com\/blog\/mutual-funds-types-important-factors\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Mutual Funds:Types and Factors Playing an Important Role | SAG RTA\" \/>\n<meta property=\"og:description\" content=\"Mutual Funds refers to the corpus of money amassed by various investors. Know the different types of mutual funds in India and fund investment\/selection strategies.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/rta.saginfotech.com\/blog\/mutual-funds-types-important-factors\/\" \/>\n<meta property=\"og:site_name\" content=\"SAG RTA Official Blog\" \/>\n<meta property=\"article:published_time\" content=\"2019-04-29T13:23:10+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2019-09-24T07:48:19+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/rta.saginfotech.com\/blog\/wp-content\/uploads\/2019\/04\/mutual-funds-types.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"630\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"10 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/rta.saginfotech.com\/blog\/mutual-funds-types-important-factors\/\",\"url\":\"https:\/\/rta.saginfotech.com\/blog\/mutual-funds-types-important-factors\/\",\"name\":\"Mutual Funds:Types and Factors Playing an Important Role | SAG RTA\",\"isPartOf\":{\"@id\":\"https:\/\/rta.saginfotech.com\/blog\/#website\"},\"datePublished\":\"2019-04-29T13:23:10+00:00\",\"dateModified\":\"2019-09-24T07:48:19+00:00\",\"author\":{\"@id\":\"https:\/\/rta.saginfotech.com\/blog\/#\/schema\/person\/0ac740b488e0d7ce1c1324eaade753d4\"},\"description\":\"Mutual Funds refers to the corpus of money amassed by various investors. Know the different types of mutual funds in India and fund investment\/selection strategies.\",\"breadcrumb\":{\"@id\":\"https:\/\/rta.saginfotech.com\/blog\/mutual-funds-types-important-factors\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/rta.saginfotech.com\/blog\/mutual-funds-types-important-factors\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/rta.saginfotech.com\/blog\/mutual-funds-types-important-factors\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/rta.saginfotech.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Mutual Funds: Types and Factors Playing an Important Role\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/rta.saginfotech.com\/blog\/#website\",\"url\":\"https:\/\/rta.saginfotech.com\/blog\/\",\"name\":\"SAG RTA Official Blog\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/rta.saginfotech.com\/blog\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/rta.saginfotech.com\/blog\/#\/schema\/person\/0ac740b488e0d7ce1c1324eaade753d4\",\"name\":\"admin\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/rta.saginfotech.com\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/f070fa2b3c2de00869036e55a69871b1?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/f070fa2b3c2de00869036e55a69871b1?s=96&d=mm&r=g\",\"caption\":\"admin\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Mutual Funds:Types and Factors Playing an Important Role | SAG RTA","description":"Mutual Funds refers to the corpus of money amassed by various investors. Know the different types of mutual funds in India and fund investment\/selection strategies.","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:\/\/rta.saginfotech.com\/blog\/mutual-funds-types-important-factors\/","og_locale":"en_US","og_type":"article","og_title":"Mutual Funds:Types and Factors Playing an Important Role | SAG RTA","og_description":"Mutual Funds refers to the corpus of money amassed by various investors. Know the different types of mutual funds in India and fund investment\/selection strategies.","og_url":"https:\/\/rta.saginfotech.com\/blog\/mutual-funds-types-important-factors\/","og_site_name":"SAG RTA Official Blog","article_published_time":"2019-04-29T13:23:10+00:00","article_modified_time":"2019-09-24T07:48:19+00:00","og_image":[{"width":1200,"height":630,"url":"https:\/\/rta.saginfotech.com\/blog\/wp-content\/uploads\/2019\/04\/mutual-funds-types.jpg","type":"image\/jpeg"}],"author":"admin","twitter_card":"summary_large_image","twitter_misc":{"Written by":"admin","Est. reading time":"10 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/rta.saginfotech.com\/blog\/mutual-funds-types-important-factors\/","url":"https:\/\/rta.saginfotech.com\/blog\/mutual-funds-types-important-factors\/","name":"Mutual Funds:Types and Factors Playing an Important Role | SAG RTA","isPartOf":{"@id":"https:\/\/rta.saginfotech.com\/blog\/#website"},"datePublished":"2019-04-29T13:23:10+00:00","dateModified":"2019-09-24T07:48:19+00:00","author":{"@id":"https:\/\/rta.saginfotech.com\/blog\/#\/schema\/person\/0ac740b488e0d7ce1c1324eaade753d4"},"description":"Mutual Funds refers to the corpus of money amassed by various investors. Know the different types of mutual funds in India and fund investment\/selection strategies.","breadcrumb":{"@id":"https:\/\/rta.saginfotech.com\/blog\/mutual-funds-types-important-factors\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/rta.saginfotech.com\/blog\/mutual-funds-types-important-factors\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/rta.saginfotech.com\/blog\/mutual-funds-types-important-factors\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/rta.saginfotech.com\/blog\/"},{"@type":"ListItem","position":2,"name":"Mutual Funds: Types and Factors Playing an Important Role"}]},{"@type":"WebSite","@id":"https:\/\/rta.saginfotech.com\/blog\/#website","url":"https:\/\/rta.saginfotech.com\/blog\/","name":"SAG RTA Official Blog","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/rta.saginfotech.com\/blog\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/rta.saginfotech.com\/blog\/#\/schema\/person\/0ac740b488e0d7ce1c1324eaade753d4","name":"admin","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/rta.saginfotech.com\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/f070fa2b3c2de00869036e55a69871b1?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/f070fa2b3c2de00869036e55a69871b1?s=96&d=mm&r=g","caption":"admin"}}]}},"_links":{"self":[{"href":"https:\/\/rta.saginfotech.com\/blog\/wp-json\/wp\/v2\/posts\/532"}],"collection":[{"href":"https:\/\/rta.saginfotech.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/rta.saginfotech.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/rta.saginfotech.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/rta.saginfotech.com\/blog\/wp-json\/wp\/v2\/comments?post=532"}],"version-history":[{"count":6,"href":"https:\/\/rta.saginfotech.com\/blog\/wp-json\/wp\/v2\/posts\/532\/revisions"}],"predecessor-version":[{"id":569,"href":"https:\/\/rta.saginfotech.com\/blog\/wp-json\/wp\/v2\/posts\/532\/revisions\/569"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rta.saginfotech.com\/blog\/wp-json\/wp\/v2\/media\/565"}],"wp:attachment":[{"href":"https:\/\/rta.saginfotech.com\/blog\/wp-json\/wp\/v2\/media?parent=532"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rta.saginfotech.com\/blog\/wp-json\/wp\/v2\/categories?post=532"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rta.saginfotech.com\/blog\/wp-json\/wp\/v2\/tags?post=532"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}