{"id":36704,"date":"2025-11-03T06:49:19","date_gmt":"2025-11-03T06:49:19","guid":{"rendered":"https:\/\/manikarthik.com\/blog\/?p=36704"},"modified":"2025-11-03T06:49:30","modified_gmt":"2025-11-03T06:49:30","slug":"fi-money-vs-niyo-global","status":"publish","type":"post","link":"https:\/\/manikarthik.com\/blog\/fi-money-vs-niyo-global\/","title":{"rendered":"Fi Money vs Niyo Global \u2013 Which Card Should NRIs Actually Use?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Here&#8217;s something nobody told me when I moved back to India in 2017.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You need different cards for different purposes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">One card for India. One card for when you visit the US.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">I learned this after paying \u20b98,400 in forex markup fees during my first trip back to California.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That was painful.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Fi Money and Niyo Global keep showing up in my inbox. People ask which one to get.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The answer? It depends on where you spend money.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Let me explain.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The Core Difference Nobody Talks About<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Fi Money is a neo bank for living in India.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Niyo Global is a travel card for spending abroad.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">They&#8217;re not competitors. They solve different problems.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Think of it like comparing a pressure cooker to a toaster. Both cook food. Different foods.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Feature<\/th><th>Fi Money<\/th><th>Niyo Global<\/th><\/tr><\/thead><tbody><tr><td>Primary Use<\/td><td>Daily banking in India<\/td><td>International travel\/forex<\/td><\/tr><tr><td>Partner Bank<\/td><td>Federal Bank<\/td><td>Yes Bank (SBM for new)<\/td><\/tr><tr><td>Account Type<\/td><td>Savings Account<\/td><td>Forex Account<\/td><\/tr><tr><td>Target User<\/td><td>Residents<\/td><td>Travelers\/NRIs<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">When I first saw both apps, I thought they were similar.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">They&#8217;re not.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Here&#8217;s what this really means:<\/strong> If you&#8217;re living in India full time, Fi Money makes sense. If you travel internationally even twice a year, you need Niyo Global.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">My Real World Testing<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">I used both cards during a three month period.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Month one in India. Month two traveling to the US. Month three back in India.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The results surprised me.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Using Fi Money in India<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Daily transactions were smooth.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Grocery shopping. Bill payments. UPI transfers. Everything worked.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">I earned Fi Coins on spending. Set up automated savings for my next US trip.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The app showed me I was spending \u20b912,400 monthly on food. That number made me uncomfortable.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We started cooking more.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Similar to how <a href=\"https:\/\/manikarthik.com\/blog\/fi-money-vs-jupiter-which-neo-bank-gives-better-rewards\/\">Jupiter and Fi Money<\/a> both help track spending, but Fi does it with more depth.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Using Niyo Global in the US<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">This is where Niyo shined.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Landed in San Francisco. Needed to buy groceries at Whole Foods.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Used my Niyo Global card. Transaction went through. Zero markup fees.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The same purchase with my regular Indian debit card? Would have cost me 3.5% extra.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">On a $200 grocery run, that&#8217;s $7 wasted.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Multiply that across two weeks. Meals. Gas. Shopping.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Niyo saved me approximately $180 over two weeks.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That&#8217;s \u20b915,000 saved just on forex markups.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\ud83d\udca1Tip: If you&#8217;re <a href=\"https:\/\/manikarthik.com\/blog\/visiting-usa-in-2025\/\">visiting the USA in 2025<\/a>, get Niyo Global at least two weeks before your trip. Card delivery takes time.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The Forex Factor<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Here&#8217;s where most people lose money without realizing it.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Standard bank cards charge 3% to 3.5% forex markup.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Some <a href=\"https:\/\/manikarthik.com\/blog\/premium-credit-cards-in-india\/\">premium credit cards<\/a> charge even more.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Niyo Global charges zero forex markup.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Let me break down a real scenario.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Expense<\/th><th>Amount (USD)<\/th><th>Regular Card Cost<\/th><th>Niyo Global Cost<\/th><th>Savings<\/th><\/tr><\/thead><tbody><tr><td>Hotel<\/td><td>$600<\/td><td>\u20b952,380<\/td><td>\u20b950,760<\/td><td>\u20b91,620<\/td><\/tr><tr><td>Meals<\/td><td>$400<\/td><td>\u20b934,920<\/td><td>\u20b933,840<\/td><td>\u20b91,080<\/td><\/tr><tr><td>Shopping<\/td><td>$500<\/td><td>\u20b943,650<\/td><td>\u20b942,300<\/td><td>\u20b91,350<\/td><\/tr><tr><td><strong>Total<\/strong><\/td><td><strong>$1,500<\/strong><\/td><td><strong>\u20b9130,950<\/strong><\/td><td><strong>\u20b9126,900<\/strong><\/td><td><strong>\u20b94,050<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Calculations based on \u20b984\/USD exchange rate with 3.5% markup for regular cards.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That&#8217;s \u20b94,050 saved on just $1,500 spending.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Over a two week US trip where you spend $3,000 to $5,000? You&#8217;re saving \u20b98,000 to \u20b914,000.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That&#8217;s a domestic flight ticket saved.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">When I calculated this for my family&#8217;s summer trip, my wife immediately asked why we didn&#8217;t have this card earlier.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Good question.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Daily Banking Features<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Fi Money wins here easily.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Feature<\/th><th>Fi Money<\/th><th>Niyo Global<\/th><\/tr><\/thead><tbody><tr><td>UPI Payments<\/td><td>Yes<\/td><td>Limited<\/td><\/tr><tr><td>Bill Payments<\/td><td>Yes<\/td><td>No<\/td><\/tr><tr><td>Automated Savings<\/td><td>Yes<\/td><td>No<\/td><\/tr><tr><td>Spending Analytics<\/td><td>Detailed<\/td><td>Basic<\/td><\/tr><tr><td>Interest on Balance<\/td><td>7.00%*<\/td><td>4.00%*<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">*Rates as of November 2025<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Fi Money is designed for everyday life in India.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You can pay your electricity bill. Set up <a href=\"https:\/\/manikarthik.com\/blog\/set-up-sips-and-mutual-funds\/\">SIP investments<\/a>. Track your spending by category.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Niyo Global is designed for one thing. Spending money abroad without bleeding forex charges.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It does that one thing extremely well.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Everything else? Basic at best.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">&#8220;I tried using Niyo for daily expenses in India. Terrible experience. Then I used it in Dubai. Best card I&#8217;ve ever used.&#8221; \u2013 Feedback from BackToIndia community member<\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\">The NRI Angle<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">This is where it gets interesting for <a href=\"https:\/\/manikarthik.com\/blog\/returning-to-india\/\">returning NRIs<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you&#8217;re moving back to India but visiting the US regularly, you need both.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Fi Money for your life in India. Niyo Global for trips back home.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">When I moved back in 2017, I kept my US bank account active. Used that card for US trips.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Big mistake.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">US banks started charging foreign transaction fees because I was using an Indian address.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Then they threatened to close my account for not maintaining minimum balance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Niyo Global would have solved this. But it didn&#8217;t exist then.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you&#8217;re still maintaining <a href=\"https:\/\/manikarthik.com\/blog\/manage-investments-in-the-usa-after-returning\/\">US investments after returning to India<\/a>, Niyo helps with the occasional US spending without keeping a US bank account.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Quick Recap:<\/strong> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2705 Moving back to India? Get Fi Money for daily banking <br>\u2705 Visiting US twice a year? Add Niyo Global <br>\u2705 Want to <a href=\"https:\/\/manikarthik.com\/blog\/how-to-close-a-capital-one-account\/\">close your US accounts<\/a>? Niyo makes it easier<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Account Opening Process<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Fi Money took me 15 minutes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Video KYC. PAN card. Aadhaar. Done.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Account activated in 24 hours.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Niyo Global took longer.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Had to upload passport. Proof of travel helped speed it up.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Card arrived in 7 days.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you&#8217;re planning a US trip, apply for Niyo at least 3 weeks in advance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Similar to how you&#8217;d plan for <a href=\"https:\/\/manikarthik.com\/blog\/send-money-to-india-from-usa\/\">sending money from USA to India<\/a>, timing matters with forex cards too.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Hidden Costs and Catches<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Fi Money has no hidden costs I&#8217;ve found.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Zero balance account. No annual fees. No charges for basic banking.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Niyo Global has a few things to watch.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The card itself is free. But ATM withdrawals abroad have limits.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">First transaction at international ATMs is free. After that, there&#8217;s a small fee.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Also, you need to load money before traveling.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Can&#8217;t just swipe and pay from your regular account. You preload the Niyo account with INR. They convert to USD (or other currency) when you spend.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This is actually good. Helps control spending.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">My son used it during his college trip to New York. I loaded $500. He couldn&#8217;t overspend even if he wanted to.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Parenting win.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Which One Should You Get?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Get Fi Money if:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You live in India full time<\/li>\n\n\n\n<li>You want better savings features than traditional banks<\/li>\n\n\n\n<li>You&#8217;re tired of your <a href=\"https:\/\/manikarthik.com\/blog\/best-indian-banks-for-returning-nris\/\">regular bank&#8217;s interface<\/a><\/li>\n\n\n\n<li>You want to optimize daily spending<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Get Niyo Global if:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You travel internationally even once a year<\/li>\n\n\n\n<li>You&#8217;re an NRI visiting India regularly<\/li>\n\n\n\n<li>You send your parents to the US and want to give them a safe spending card<\/li>\n\n\n\n<li>You&#8217;re tired of forex markup fees<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Get both if:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You&#8217;re a returning NRI who travels frequently<\/li>\n\n\n\n<li>You want to optimize both domestic and international spending<\/li>\n\n\n\n<li>You believe in having backup options<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">I have both.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Fi Money for everything in India. Niyo Global loaded and ready for my next US trip.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Is this overkill? Maybe.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Do I care? No.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The amount I save on one international trip pays for the effort of managing two apps.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Real Talk About Safety<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Both are safe.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Fi Money is backed by Federal Bank. Your deposits are insured up to \u20b95 lakhs by DICGC.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Niyo Global partners with Yes Bank and SBM Bank. Same insurance applies.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The apps are just interfaces. Your money sits with licensed banks.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If either app shuts down tomorrow, your money is safe with the partner bank.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This is similar to how <a href=\"https:\/\/manikarthik.com\/blog\/nre-account\/\">NRE and NRO accounts<\/a> work. Bank holds money. App provides access.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">My Current Setup<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Here&#8217;s exactly what I use and why.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/manikarthik.com\/blog\/hdfc-nri-services-review\/\">HDFC Bank<\/a> for salary and serious banking. Home loan. Fixed deposits. The works.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Fi Money for daily expenses. UPI payments. Small automated savings goals.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Niyo Global loaded with $1,000 for emergency US spending. My wife has one too.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/manikarthik.com\/blog\/hdfc-infinia-card-review\/\">HDFC Infinia<\/a> for big purchases where rewards matter.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Four different financial products. Each serving a specific purpose.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">When my friends ask why I need so many, I ask them why they have different shoes for different occasions.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Same logic.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The Bottom Line<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Fi Money is not competing with Niyo Global.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">They serve different needs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Comparing them is like comparing <a href=\"https:\/\/manikarthik.com\/blog\/mutual-funds-or-stocks-to-invest-as-an-nri-returnee\/\">mutual funds and stocks<\/a>. Both help you invest. Different strategies.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Fi Money optimizes your life in India.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Niyo Global optimizes your spending abroad.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Get the one that matches your life.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Or get both and optimize everything.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That&#8217;s what I did.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Still confused? Ask in the <a href=\"https:\/\/backtoindia.com\/groups\" target=\"_blank\" rel=\"noopener\">BackToIndia community<\/a>. Someone there has probably tested every possible combination.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Sources and References<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">All information verified as of November 2025:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Fi Money official website: <a href=\"https:\/\/www.fi.money\/\" target=\"_blank\" rel=\"noopener\">www.fi.money<\/a><\/li>\n\n\n\n<li>Niyo Global official website: <a href=\"https:\/\/www.goniyo.com\/\" target=\"_blank\" rel=\"noopener\">www.goniyo.com<\/a><\/li>\n\n\n\n<li>Federal Bank partner disclosure: <a href=\"https:\/\/www.federalbank.co.in\/\" target=\"_blank\" rel=\"noopener\">www.federalbank.co.in<\/a><\/li>\n\n\n\n<li>Yes Bank forex services: <a href=\"https:\/\/www.yesbank.in\/\" target=\"_blank\" rel=\"noopener\">www.yesbank.in<\/a><\/li>\n\n\n\n<li>RBI guidelines on prepaid forex cards: <a href=\"https:\/\/www.rbi.org.in\/\" target=\"_blank\" rel=\"noopener\">www.rbi.org.in<\/a><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Forex rates and features subject to change. Verify current details before applying.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">TLDR Version<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Fi Money:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Purpose: Daily banking in India<\/li>\n\n\n\n<li>Best for: Residents who want smart savings and spending tracking<\/li>\n\n\n\n<li>Forex: Not designed for international use<\/li>\n\n\n\n<li>Cost: Free, zero balance account<\/li>\n\n\n\n<li>Interest: 7.00% on savings*<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Niyo Global:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Purpose: International travel and forex<\/li>\n\n\n\n<li>Best for: Anyone who travels abroad even once a year<\/li>\n\n\n\n<li>Forex: Zero markup on international spending<\/li>\n\n\n\n<li>Cost: Free card, load before travel<\/li>\n\n\n\n<li>Interest: 4.00% on loaded balance*<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>My verdict:<\/strong> Not competitors. Different use cases. Get Fi for India life. Get Niyo for international travel. Or get both and stop worrying about forex fees forever.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>What I actually use:<\/strong> Both. Plus traditional bank. Plus premium credit card. Because financial optimization is not about minimalism. It&#8217;s about having the right tool for each job.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">*Rates as of November 2025<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Here&#8217;s something nobody told me when I moved back to India in 2017. You need different cards for different purposes. One card for India. One&#8230;<\/p>\n","protected":false},"author":1,"featured_media":36646,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[33],"tags":[],"class_list":["post-36704","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\/36704","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=36704"}],"version-history":[{"count":1,"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/posts\/36704\/revisions"}],"predecessor-version":[{"id":36705,"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/posts\/36704\/revisions\/36705"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/media\/36646"}],"wp:attachment":[{"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/media?parent=36704"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/categories?post=36704"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/tags?post=36704"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}