{"id":36085,"date":"2025-07-19T12:30:32","date_gmt":"2025-07-19T12:30:32","guid":{"rendered":"https:\/\/manikarthik.com\/blog\/?p=36085"},"modified":"2025-07-19T12:30:34","modified_gmt":"2025-07-19T12:30:34","slug":"upstox-review","status":"publish","type":"post","link":"https:\/\/manikarthik.com\/blog\/upstox-review\/","title":{"rendered":"Upstox Review: My Honest Take After 4 Years"},"content":{"rendered":"\n<p>Time for the Upstox story. <\/p>\n\n\n\n<p>Been getting lots of questions after my Zerodha, Groww, and Scripbox reviews.<\/p>\n\n\n\n<p>Started testing Upstox in 2020. Right during the pandemic when everyone was trading from home.<\/p>\n\n\n\n<p>My HappyFox colleague said: &#8220;Try Upstox. They have the best tech stack outside of Zerodha.&#8221;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">My Personal Upstox Discovery Journey \ud83d\ude80<\/h2>\n\n\n\n<p>Picture this. April 2020. Lockdown in full swing. I&#8217;m working from our Bengaluru home.<\/p>\n\n\n\n<p>My wife was bored. Kids doing online school. Perfect time to explore new platforms.<\/p>\n\n\n\n<p>Downloaded Upstox Pro that weekend. Within 30 minutes, I was impressed. Clean interface. Fast execution. Solid tech architecture.<\/p>\n\n\n\n<p>But here&#8217;s the thing. I never made it my primary platform. Let me tell you why.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Quick Upstox Snapshot \ud83d\udcca<\/h2>\n\n\n\n<p class=\"has-luminous-vivid-amber-background-color has-background\"><strong>Founded:<\/strong> 2009 as RKSV Securities, rebranded to Upstox<br><strong>Headquarters:<\/strong> Mumbai, India<br><strong>Active Users:<\/strong> 2.87 million (December 2024)<br><strong>Market Position:<\/strong> 4th largest broker in India<br><strong>Valuation:<\/strong> $3.5 billion (last fundraise)<br><strong>Key Investors:<\/strong> Tiger Global, Ratan Tata, Kalaari Capital, GVK Davix<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The Good, The Bad, and My Tech Analysis \u2696\ufe0f<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">What I Genuinely Appreciate \ud83d\udc9a<\/h3>\n\n\n\n<p><strong>Solid Technology Foundation<\/strong> Built on Omnesys NEST OMS and RMS. My SuperMoney backend experience helps me appreciate good architecture. Upstox has it.<\/p>\n\n\n\n<p><strong>Flat \u20b920 Across All Segments<\/strong> Delivery, intraday, F&amp;O. Same fee. Simple pricing model. No confusion like some competitors.<\/p>\n\n\n\n<p><strong>Advanced Trading Tools<\/strong> AmiBroker integration. Python API support. Developer console access. Perfect for techies like us.<\/p>\n\n\n\n<p><strong>Tiger Global Backing<\/strong> Deep pockets. Good tech investments. Platform stability comes from proper funding.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What Concerns Me \ud83d\udfe1<\/h3>\n\n\n\n<p><strong>Declining User Base<\/strong> From 4.9 million to 2.87 million active users. That&#8217;s a 40%+ drop. Red flag for any platform.<\/p>\n\n\n\n<p><strong>Limited Product Range<\/strong> No US stocks. International diversification missing. NRIs need global exposure.<\/p>\n\n\n\n<p><strong>Delivery Charges<\/strong> Most competitors offer free delivery. Upstox charges \u20b920. Small but adds up.<\/p>\n\n\n\n<p><strong>Market Share Decline<\/strong> Losing ground to Groww rapidly. Fourth position not comfortable in this race.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Detailed Feature Analysis \ud83d\udd0d<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Technology Stack Comparison<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Feature<\/th><th>Upstox Pro<\/th><th>Zerodha Kite<\/th><th>Groww<\/th><\/tr><\/thead><tbody><tr><td>Mobile App Rating<\/td><td>4.2+ stars<\/td><td>4.0+ stars<\/td><td>4.5+ stars<\/td><\/tr><tr><td>API Access<\/td><td>Available<\/td><td>\u20b92,000\/month<\/td><td>Not available<\/td><\/tr><tr><td>AmiBroker Integration<\/td><td>\u2705 Native<\/td><td>\u274c<\/td><td>\u274c<\/td><\/tr><tr><td>Real Time Data<\/td><td>Excellent<\/td><td>Excellent<\/td><td>Good<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Cost Structure Analysis \ud83d\udcb0<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Charges<\/th><th>Upstox<\/th><th>Zerodha<\/th><th>Groww<\/th><\/tr><\/thead><tbody><tr><td>Account Opening<\/td><td>\u20b90<\/td><td>\u20b90<\/td><td>\u20b90<\/td><\/tr><tr><td>Demat AMC<\/td><td>\u20b9150\/year<\/td><td>\u20b9300\/year<\/td><td>\u20b90<\/td><\/tr><tr><td>Equity Delivery<\/td><td>\u20b920 flat<\/td><td>\u20b90<\/td><td>\u20b920 or 0.05%<\/td><\/tr><tr><td>Intraday Trading<\/td><td>\u20b920 flat<\/td><td>\u20b920 or 0.03%<\/td><td>\u20b920 flat<\/td><\/tr><tr><td>F&amp;O Trading<\/td><td>\u20b920 flat<\/td><td>\u20b920 flat<\/td><td>\u20b920 flat<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>Data updated as of December 2024<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Market Position Analysis \ud83d\udcc8<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Broker<\/th><th>Active Users (Dec 2024)<\/th><th>Market Share<\/th><th>YoY Growth<\/th><\/tr><\/thead><tbody><tr><td>Groww<\/td><td>1.32 crore<\/td><td>26.3%<\/td><td>+18.5%<\/td><\/tr><tr><td>Zerodha<\/td><td>8.12 million<\/td><td>16.2%<\/td><td>-2.1%<\/td><\/tr><tr><td>Angel One<\/td><td>7.75 million<\/td><td>15.4%<\/td><td>+1.6%<\/td><\/tr><tr><td>Upstox<\/td><td>2.87 million<\/td><td>5.7%<\/td><td>-41%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>Source: NSE data<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Real Family Testing: 4 Years Later \ud83d\udc68\u200d\ud83d\udc69\u200d\ud83d\udc66\u200d\ud83d\udc66<\/h2>\n\n\n\n<p><strong>My Personal Experience:<\/strong> Opened account in April 2020. Used primarily for testing new features. Made 67 trades over 4 years. Platform never disappointed technically.<\/p>\n\n\n\n<p><strong>Wife&#8217;s Experience:<\/strong> Tried it for 2 weeks in 2021. &#8220;Too many features,&#8221; she said. Switched back to Groww. Upstox intimidated her.<\/p>\n\n\n\n<p><strong>Elder Son (Now 19):<\/strong> Used it for college project on algorithmic trading. Loved the Python API. Built automated scanner for momentum stocks.<\/p>\n\n\n\n<p><strong>My Mother (67 years old):<\/strong> Never tried Upstox. After her Zerodha experience, she stuck with familiar platforms. Too many options confuse her.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Performance Analysis: The Hard Numbers \ud83d\udcca<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">My Personal Usage Stats (2020-2024)<\/h3>\n\n\n\n<p><strong>Total Transactions:<\/strong> 67 trades<br><strong>Average Cost per Trade:<\/strong> \u20b920.00 (flat across all segments)<br><strong>API Usage:<\/strong> 6 months for testing backtesting strategies<br><strong>Overall Technical Satisfaction:<\/strong> 8.8\/10<\/p>\n\n\n\n<p><strong>Best Trade via Upstox:<\/strong> TCS options during Q4 results (42% return)<br><strong>Most Learning:<\/strong> Python API integration for portfolio tracking<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Business Performance Assessment<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Metric<\/th><th>FY22<\/th><th>FY23<\/th><th>Growth<\/th><\/tr><\/thead><tbody><tr><td>Revenue<\/td><td>\u20b9766 crore<\/td><td>\u20b91,000 crore<\/td><td>+44%<\/td><\/tr><tr><td>Profit\/Loss<\/td><td>\u20b9445 crore loss<\/td><td>\u20b925 crore profit<\/td><td>Turnaround<\/td><\/tr><tr><td>User Base<\/td><td>4.9 million<\/td><td>2.87 million<\/td><td>-41%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>Source: Company filings and NSE data<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Competitor Deep Dive: The Reality Check \ud83c\udfc6<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Best Platform For Different Users<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>User Type<\/th><th>Recommended Platform<\/th><th>Reason<\/th><\/tr><\/thead><tbody><tr><td>Tech Developers<\/td><td>Upstox<\/td><td>Best API access, AmiBroker integration<\/td><\/tr><tr><td>Absolute Beginners<\/td><td>Groww<\/td><td>Simplest interface<\/td><\/tr><tr><td>Active Traders<\/td><td>Zerodha<\/td><td>Most comprehensive tools<\/td><\/tr><tr><td>Cost Conscious<\/td><td>Angel One<\/td><td>Free delivery, \u20b90 AMC options<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Technology Innovation Scorecard<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Innovation<\/th><th>Upstox<\/th><th>Market Leadership<\/th><th>Impact Score<\/th><\/tr><\/thead><tbody><tr><td>Python API<\/td><td>Excellent<\/td><td>Strong<\/td><td>8.5\/10<\/td><\/tr><tr><td>Mobile Tech<\/td><td>Good<\/td><td>Moderate<\/td><td>7.0\/10<\/td><\/tr><tr><td>User Acquisition<\/td><td>Poor<\/td><td>Declining<\/td><td>4.0\/10<\/td><\/tr><tr><td>Product Innovation<\/td><td>Moderate<\/td><td>Following others<\/td><td>6.0\/10<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Recent Updates and Red Flags \ud83c\udd95<\/h2>\n\n\n\n<p><strong>3-in-1 Account:<\/strong> Partnership with IndusInd Bank. Combines trading, demat, and savings. Convenient but not unique.<\/p>\n\n\n\n<p><strong>Margin Trading Facility:<\/strong> Launched recently. Can buy more stocks with borrowed money. Interest at \u20b920 per day for \u20b940,000 slabs.<\/p>\n\n\n\n<p><strong>US Stocks Promise:<\/strong> Announced plans for international trading. Still waiting. Competitors moved faster.<\/p>\n\n\n\n<p><strong>User Base Decline:<\/strong> Lost 40%+ active users. Most concerning trend. Platform excellent but adoption struggling.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Red Flags and Honest Concerns \ud83d\udea9<\/h2>\n\n\n\n<p><strong>Market Share Erosion:<\/strong> From growth leader to fourth position. Groww and others captured mindshare faster.<\/p>\n\n\n\n<p><strong>Limited Marketing:<\/strong> Unlike Groww&#8217;s aggressive user acquisition, Upstox seems passive. Tiger Global funding not translating to growth.<\/p>\n\n\n\n<p><strong>Feature Parity:<\/strong> Most discount brokers now offer similar pricing. Upstox&#8217;s differentiation unclear.<\/p>\n\n\n\n<p><strong>No Clear USP:<\/strong> Technology excellence doesn&#8217;t guarantee mass adoption. Need simpler value proposition.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Who Should Use Upstox? \ud83c\udfaf<\/h2>\n\n\n\n<p><strong>Perfect For:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Python developers needing robust API access<\/li>\n\n\n\n<li>AmiBroker users wanting native integration<\/li>\n\n\n\n<li>Traders valuing stable technology over marketing hype<\/li>\n\n\n\n<li>Users comfortable with feature rich platforms<\/li>\n<\/ul>\n\n\n\n<p><strong>Not Ideal For:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Complete beginners wanting hand holding<\/li>\n\n\n\n<li>International diversification seekers<\/li>\n\n\n\n<li>Users preferring free delivery trading<\/li>\n\n\n\n<li>Those wanting explosive feature additions<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">My Tech Expert Assessment \ud83d\udcbb<\/h2>\n\n\n\n<p><strong>API Quality:<\/strong> Excellent RESTful architecture. Used it for building custom portfolio trackers. Rate limits reasonable for retail use.<\/p>\n\n\n\n<p><strong>Platform Stability:<\/strong> 99.1% uptime in my 4 years. Better than most competitors. Solid infrastructure investment shows.<\/p>\n\n\n\n<p><strong>Security Implementation:<\/strong> Bank grade encryption. Two factor mandatory. No security issues experienced personally.<\/p>\n\n\n\n<p><strong>Developer Tools:<\/strong> Python SDK well documented. AmiBroker bridge works flawlessly. Good for algo trading experiments.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The Tiger Global Factor: Funding vs Growth \ud83d\udcb0<\/h2>\n\n\n\n<p>Tiger Global invested heavily expecting explosive growth like other portfolio companies. But brokerage is different from SaaS or commerce.<\/p>\n\n\n\n<p>User acquisition needs trust building. Not just performance marketing. Upstox focused on product. Competitors focused on growth.<\/p>\n\n\n\n<p>Result? Better product but smaller user base.<\/p>\n\n\n\n<p>My prediction? Upstox will remain strong in tech savvy segments. But mass market belongs to simpler platforms.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Getting Started: My Recommendation\ud83c\udfaf<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Phase 1: Assessment (Week 1)<\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Define your needs<\/strong> clearly (beginner vs advanced trader)<\/li>\n\n\n\n<li><strong>Compare with primary platform<\/strong> you&#8217;re currently using<\/li>\n\n\n\n<li><strong>Test with small amounts<\/strong> before major commitment<\/li>\n\n\n\n<li><strong>Evaluate API needs<\/strong> if you&#8217;re technically inclined<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\">Phase 2: Gradual Testing (Month 1)<\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Open account<\/strong> using online process (15 minutes)<\/li>\n\n\n\n<li><strong>Fund with \u20b910,000<\/strong> for initial testing<\/li>\n\n\n\n<li><strong>Make 5-10 trades<\/strong> across different segments<\/li>\n\n\n\n<li><strong>Test mobile app<\/strong> and web platform equally<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\">Phase 3: Integration Decision (Month 2)<\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Compare costs<\/strong> with actual usage data<\/li>\n\n\n\n<li><strong>Assess feature gaps<\/strong> vs your primary platform<\/li>\n\n\n\n<li><strong>Decide positioning<\/strong> (primary vs secondary vs specialized use)<\/li>\n\n\n\n<li><strong>Plan portfolio allocation<\/strong> across platforms<\/li>\n<\/ol>\n\n\n\n<p><strong>Pro Tip from 4 Years Experience:<\/strong> Use Upstox as specialized platform for algo trading or API access. Not as primary family investment platform.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Verdict: Should You Choose Upstox? \u2705<\/h2>\n\n\n\n<p><strong>Yes, if:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You&#8217;re technically sophisticated trader<\/li>\n\n\n\n<li>You need robust API for automated strategies<\/li>\n\n\n\n<li>You use AmiBroker for technical analysis<\/li>\n\n\n\n<li>You value product quality over user acquisition marketing<\/li>\n<\/ul>\n\n\n\n<p><strong>No, if:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You&#8217;re starting your investment journey<\/li>\n\n\n\n<li>You want simplest possible interface<\/li>\n\n\n\n<li>You need hand holding and educational content<\/li>\n\n\n\n<li>You prefer platforms with growing user communities<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">My Personal Strategy with Upstox \ud83d\udcad<\/h2>\n\n\n\n<p><strong>Current Usage (2024):<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>5%<\/strong> of total trades through Upstox (specialized F&amp;O strategies)<\/li>\n\n\n\n<li><strong>70%<\/strong> primary investing through Zerodha<\/li>\n\n\n\n<li><strong>20%<\/strong> family SIPs through Groww<\/li>\n\n\n\n<li><strong>5%<\/strong> experimental trades through others<\/li>\n<\/ul>\n\n\n\n<p>This allocation works for my tech background and specific needs.<\/p>\n\n\n\n<p>For most NRI families returning to India? Start with Groww or Zerodha. Add Upstox later if you need advanced features.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Upstox vs The World: My Final Analysis \ud83c\udf0d<\/h2>\n\n\n\n<p>After 4 years of testing Upstox across different scenarios, here&#8217;s my honest conclusion:<\/p>\n\n\n\n<p>Upstox built an excellent product. Their technology is top notch. API access is genuine value addition for developers.<\/p>\n\n\n\n<p>But they lost the marketing and user experience battle. While they focused on features, competitors focused on simplicity and growth.<\/p>\n\n\n\n<p>My wife&#8217;s reaction summarizes the challenge: &#8220;Why so many buttons? Groww just works.&#8221;<\/p>\n\n\n\n<p>She&#8217;s representing 90% of retail investors. Upstox built for the 10%.<\/p>\n\n\n\n<p>Nothing wrong with that positioning. But explains the declining user base.<\/p>\n\n\n\n<p class=\"has-light-green-cyan-background-color has-background\"><strong>Bottom Line:<\/strong> 8.5\/10 for developers and advanced traders. 5.5\/10 for NRI families wanting simple investing.<\/p>\n\n\n\n<p>Choose wisely based on your actual needs. Not fancy features you&#8217;ll never use.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Sources and References \ud83d\udcda<\/h2>\n\n\n\n<p><strong>User Base and Market Data:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.investorgain.com\/active-customers\/upstox\/33\/\" target=\"_blank\" rel=\"noopener\">NSE Active Client Reports &#8211; InvestorGain<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/tradebrains.in\/biggest-stockbrokers-india-with-highest-clients\/\" target=\"_blank\" rel=\"noopener\">Broker Market Share Analysis &#8211; Trade Brains<\/a><\/li>\n<\/ul>\n\n\n\n<p><strong>Financial Performance:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/entrackr.com\/2024\/01\/upstox-claims-rs-1000-cr-revenue-and-rs-25-cr-pat-in-fy23\/\" target=\"_blank\" rel=\"noopener\">Upstox FY23 Results &#8211; Entrackr<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/yourstory.com\/2023\/02\/upstox-growth-concerns-market-volatility-zerodha-groww-tiger-global\" target=\"_blank\" rel=\"noopener\">User Base Decline Analysis &#8211; YourStory<\/a><\/li>\n<\/ul>\n\n\n\n<p><strong>Platform and Pricing Information:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/upstox.com\/\" target=\"_blank\" rel=\"noopener\">Upstox Official Website<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/upstox.com\/calculator\/brokerage-calculator\/\" target=\"_blank\" rel=\"noopener\">Upstox Brokerage Calculator<\/a><\/li>\n<\/ul>\n\n\n\n<p><strong>Comparative Analysis:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.chittorgarh.com\/stockbroker\/upstox\/33\/\" target=\"_blank\" rel=\"noopener\">Upstox vs Competitors &#8211; Chittorgarh<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/comparesharebrokers.com\/review\/upstox\" target=\"_blank\" rel=\"noopener\">Discount Broker Reviews &#8211; CompareShareBrokers<\/a><\/li>\n<\/ul>\n\n\n\n<p><strong>Market Trends:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/inc42.com\/buzz\/growws-active-user-base-jumps-to-1-32-cr-in-december-2024\/\" target=\"_blank\" rel=\"noopener\">December 2024 User Base Data &#8211; Inc42<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.storyboard18.com\/brand-makers\/zerodha-groww-upstox-user-base-declines-in-february-2024-59064.htm\" target=\"_blank\" rel=\"noopener\">Brokerage Industry Analysis &#8211; Storyboard18<\/a><\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p><em>Questions about Upstox or need help choosing the right combination of platforms for your India investment journey? Drop me a line. Always happy to help fellow NRIs navigate these decisions!<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Time for the Upstox story. Been getting lots of questions after my Zerodha, Groww, and Scripbox reviews. Started testing Upstox in 2020. Right during the&#8230;<\/p>\n","protected":false},"author":1,"featured_media":36078,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[33],"tags":[],"class_list":["post-36085","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nri-finance"],"modified_by":"Mani Karthik","menu_order":0,"_links":{"self":[{"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/posts\/36085","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/comments?post=36085"}],"version-history":[{"count":1,"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/posts\/36085\/revisions"}],"predecessor-version":[{"id":36086,"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/posts\/36085\/revisions\/36086"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/media\/36078"}],"wp:attachment":[{"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/media?parent=36085"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/categories?post=36085"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/tags?post=36085"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}