{"id":961,"date":"2013-03-01T01:58:36","date_gmt":"2013-03-01T01:58:36","guid":{"rendered":"http:\/\/manikarthik.com\/news\/?p=961"},"modified":"2024-12-03T05:21:03","modified_gmt":"2024-12-03T05:21:03","slug":"personal-loans-for-nris","status":"publish","type":"post","link":"https:\/\/manikarthik.com\/blog\/personal-loans-for-nris\/","title":{"rendered":"Personal Loans for NRIs: The Complete Guide \ud83d\udcb0"},"content":{"rendered":"\n<p>Mani here. Thinking of taking a loan as an NRI?<\/p>\n\n\n\n<p>Picture this: Seattle, 2014.<\/p>\n\n\n\n<p>Me, staring at my laptop at 2 AM, desperately trying to arrange funds for dad&#8217;s medical emergency.<\/p>\n\n\n\n<p>My US credit score? Excellent.<\/p>\n\n\n\n<p>Indian banks&#8217; response? &#8220;Sir, NRI personal loans are\u2026 complicated.&#8221;<\/p>\n\n\n\n<p>If you&#8217;ve ever tried getting a personal loan as an <a href=\"https:\/\/manikarthik.com\/blog\/\"  data-wpil-monitor-id=\"454\">NRI<\/a>, you know that feeling!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Quick Takeaways \u26a1<\/h2>\n\n\n\n[su_note note_color=&#8221;#f8dffe&#8221; text_color=&#8221;#000000&#8243; radius=&#8221;10&#8243;]\n\n\n\n<p>\u2705 Yes, NRIs can get personal loans in India<br>\u2705 Rates typically higher than resident Indians (sorry!)<br>\u2705 Documentation is\u2026 intense<br>\u2705 Some banks offer complete digital process<br>\u2705 Collateral might make things easier<\/p>\n\n\n\n[\/su_note]\n\n\n\n<h2 class=\"wp-block-heading\">NRI Loan Interest Rates\ud83d\udcca<\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Bank<\/th><th>Interest Rate<\/th><th>Max Amount<\/th><th>Processing Fee<\/th><\/tr><\/thead><tbody><tr><td>HDFC<\/td><td>10.75% &#8211; 16%<\/td><td>\u20b940 Lakhs<\/td><td>1-2%<\/td><\/tr><tr><td><a class=\"wpil_keyword_link\" href=\"https:\/\/www.icicibank.com\/nri-banking\" title=\"ICICI\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"41\" target=\"_blank\" rel=\"noopener\">ICICI<\/a><\/td><td>10.50% &#8211; 15%<\/td><td>\u20b950 Lakhs<\/td><td>1-2.5%<\/td><\/tr><tr><td><a class=\"wpil_keyword_link\" href=\"https:\/\/sbi.co.in\/web\/nri\" title=\"SBI\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"155\" target=\"_blank\" rel=\"noopener\">SBI<\/a><\/td><td>11.15% &#8211; 14%<\/td><td>\u20b920 Lakhs<\/td><td>1-1.5%<\/td><\/tr><tr><td>Axis<\/td><td>10.99% &#8211; 16%<\/td><td>\u20b940 Lakhs<\/td><td>1-2%<\/td><\/tr><tr><td>Federal<\/td><td>10.25% &#8211; 15%<\/td><td>\u20b930 Lakhs<\/td><td>1-2%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Who Can Apply? \ud83e\udd14<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Age: 25-60 years<\/li>\n\n\n\n<li>Income: Minimum $25,000\/year<\/li>\n\n\n\n<li>Work Experience: 2+ years abroad<\/li>\n\n\n\n<li>Visa Status: Valid work visa\/PR<\/li>\n\n\n\n<li>Credit Score: Both US &amp; India matter!<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">The Documentation Marathon \ud83d\udcd1<\/h2>\n\n\n\n<p>Remember when you thought H1B paperwork was bad? Hold my chai! \ud83d\ude05<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Essential Documents for an NRI Loan Application<\/h3>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"442\" height=\"654\" sizes=\"auto, (max-width: 442px) 100vw, 442px\" src=\"https:\/\/manikarthik.com\/blog\/wp-content\/uploads\/Essential-Documents-for-an-NRI-Loan-Application.png\" loading=\"lazy\" alt=\"Essential Documents for an NRI Loan Application\" class=\"wp-image-34909\" title=\"\"><\/figure>\n<\/div>\n\n\n<p><strong>Identity &amp; Status Proof:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Passport (with valid visa pages)<\/li>\n\n\n\n<li>Green Card\/Work Permit<\/li>\n\n\n\n<li>Local ID (Driver&#8217;s license)<\/li>\n\n\n\n<li>PAN Card (mandatory)<\/li>\n\n\n\n<li>Visa status proof<\/li>\n\n\n\n<li>OCI\/PIO card (if applicable)<\/li>\n<\/ul>\n\n\n\n<p><strong>Income Proof:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Last 3 months&#8217; pay stubs<\/li>\n\n\n\n<li>2 years&#8217; tax returns (US)<\/li>\n\n\n\n<li>Bank statements (US &amp; India)<\/li>\n\n\n\n<li>Employment letter<\/li>\n\n\n\n<li>Form 16 (if any Indian income)<\/li>\n<\/ul>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"406\" height=\"538\" sizes=\"auto, (max-width: 406px) 100vw, 406px\" src=\"https:\/\/manikarthik.com\/blog\/wp-content\/uploads\/Essential-Documents-for-an-NRI-Loan-Application-Income-Proof.png\" loading=\"lazy\" alt=\"Essential Documents for an NRI Loan Application Income Proof\" class=\"wp-image-34910\" title=\"\"><\/figure>\n<\/div>\n\n\n<p><strong>Pro Tip: Get your employment letter notarized BEFORE you start the process. <\/strong><\/p>\n\n\n\n<p>Trust me, trying to get it later is like explaining cryptocurrency to your grandmother!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Application Process \ud83d\udd04<\/h2>\n\n\n\n<p>Here&#8217;s a step by step process of NRI Loan Application at Indian banks.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Step 1: Initial Application<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Online application<\/li>\n\n\n\n<li>Basic document upload<\/li>\n\n\n\n<li>Initial eligibility check<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Step 2: Document Verification<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Physical\/digital copies submission<\/li>\n\n\n\n<li>Video KYC (yes, comb your hair!)<\/li>\n\n\n\n<li>Bank verification calls<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Step 3: Credit Assessment<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Income verification<\/li>\n\n\n\n<li>Credit score check<\/li>\n\n\n\n<li>Debt-to-income ratio analysis<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Step 4: Loan Approval &amp; Disbursement<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Offer letter<\/li>\n\n\n\n<li>Agreement signing<\/li>\n\n\n\n<li>Fund transfer to NRE\/NRO account<\/li>\n<\/ul>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"523\" height=\"636\" sizes=\"auto, (max-width: 523px) 100vw, 523px\" src=\"https:\/\/manikarthik.com\/blog\/wp-content\/uploads\/NRI-Loan-Application-Process.png\" loading=\"lazy\" alt=\"NRI Loan Application Process\" class=\"wp-image-34911\" title=\"\"><\/figure>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\">The Real Talk: Success Tips \ud83d\udca1<\/h2>\n\n\n\n<p>Let me tell you about the time I almost got rejected for a \u20b915 lakh loan despite a six-figure salary in the US.<\/p>\n\n\n\n<p>&#8220;Sir, your income is good but&#8230;&#8221; the banker started.<\/p>\n\n\n\n<p>Turns out, it&#8217;s not just about having a good income &#8211; it&#8217;s about presenting it right. <\/p>\n\n\n\n<p>After helping dozens of NRIs secure loans, here&#8217;s what I&#8217;ve learned really matters:<\/p>\n\n\n\n<p>Here are the steps to successfully get an NRI loan.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. Choose Your Bank Wisely<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong><a class=\"wpil_keyword_link\" href=\"https:\/\/www.hdfcbank.com\/nri-banking\" title=\"HDFC Bank\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"22\" target=\"_blank\" rel=\"noopener\">HDFC Bank<\/a>:<\/strong> Best digital process<\/li>\n\n\n\n<li><strong>ICICI Bank:<\/strong> Fastest approval<\/li>\n\n\n\n<li><strong>SBI:<\/strong> Lower rates (but slower process)<\/li>\n\n\n\n<li><strong><a class=\"wpil_keyword_link\" href=\"https:\/\/www.axisbank.com\/nri\" title=\"Axis Bank\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"87\" target=\"_blank\" rel=\"noopener\">Axis Bank<\/a>:<\/strong> Good for existing customers<\/li>\n\n\n\n<li><strong><a class=\"wpil_keyword_link\" href=\"https:\/\/www.federalbank.co.in\/nri-banking\" title=\"Federal Bank\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"127\" target=\"_blank\" rel=\"noopener\">Federal Bank<\/a>:<\/strong> Competitive rates<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">2. Income Requirements<\/h3>\n\n\n\n<p>Here&#8217;s what banks typically want:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Income (USD)<\/th><th>Max Loan Amount<\/th><\/tr><\/thead><tbody><tr><td>$25,000<\/td><td>\u20b910 Lakhs<\/td><\/tr><tr><td>$50,000<\/td><td>\u20b925 Lakhs<\/td><\/tr><tr><td>$75,000+<\/td><td>\u20b940-50 Lakhs<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">3. Credit Score Magic<\/h3>\n\n\n\n<p>You need:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>US Credit Score: 700+<\/li>\n\n\n\n<li>Indian Credit Score: 750+ (if available)<\/li>\n<\/ul>\n\n\n\n<p><strong>Pro Tip: Check your CIBIL score before applying. I once had a score drop because of an old Airtel bill from 2005! \ud83e\udd26\u200d\u2642\ufe0f<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Common Pitfalls (Learn From My Mistakes!) \u26a0\ufe0f<\/h2>\n\n\n\n<p>2016: I got approved for a \u20b920 lakh personal loan. Great news, right? <\/p>\n\n\n\n<p>Two months later, the dollar dropped from \u20b974 to \u20b968. My EMI, which was comfortable at \u20b974, suddenly became a burden.<\/p>\n\n\n\n<p>That&#8217;s just one of the many mistakes I&#8217;ve made (and seen other NRIs make). <\/p>\n\n\n\n<p>Here&#8217;s what you need to watch out for:<\/p>\n\n\n\n<p><strong>Exchange Rate Trap<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>EMIs in INR<\/li>\n\n\n\n<li>Income in USD<\/li>\n\n\n\n<li>Plan for fluctuations!<\/li>\n<\/ul>\n\n\n\n<p><strong>Documentation Delays<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Keep docs ready<\/li>\n\n\n\n<li>Notarize in advance<\/li>\n\n\n\n<li>Digital copies handy<\/li>\n<\/ul>\n\n\n\n<p><strong>Hidden Charges<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Processing fees<\/li>\n\n\n\n<li>Forex charges<\/li>\n\n\n\n<li>Prepayment penalties<\/li>\n\n\n\n<li>Insurance premiums<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Success Stories \ud83c\udf1f<\/h2>\n\n\n\n<p>&#8220;Mani, I need a loan for dad&#8217;s surgery, but I&#8217;m in Boston and the hospitals need money in 48 hours!&#8221;<\/p>\n\n\n\n<p>This message from Rajesh, a software engineer in Boston, reminded me of my own emergency loan story. <\/p>\n\n\n\n<p>Here&#8217;s how different NRIs managed to secure loans despite challenging situations:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Case Study 1: Medical Emergency<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Loan Amount: \u20b920 Lakhs<\/li>\n\n\n\n<li>Bank: HDFC<\/li>\n\n\n\n<li>Time Taken: 5 days<\/li>\n\n\n\n<li>Key Factor: All documents ready<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Case Study 2: Home Renovation<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Loan Amount: \u20b935 Lakhs<\/li>\n\n\n\n<li>Bank: ICICI<\/li>\n\n\n\n<li>Time Taken: 7 days<\/li>\n\n\n\n<li>Key Factor: Existing NRE account<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Pro Tips From My Experience \ud83c\udfaf<\/h2>\n\n\n\n<p>2015: There I was, on a video call with an HDFC relationship manager, trying to negotiate my loan rate.<\/p>\n\n\n\n<p>&#8220;Sir, this is our standard rate for NRIs,&#8221; she said.<\/p>\n\n\n\n<p>Me: &#8220;But I&#8217;ve been your customer for 10 years!&#8221;<br>Her: &#8220;Sir, in India\u2026&#8221;<br>Me: &#8220;I know, I know\u2026 let me tell you about my credit score\u2026&#8221;<\/p>\n\n\n\n<p>Two hours and three escalations later, I got a 0.5% reduction. Not much, but in the world of personal loans, every bit counts!<\/p>\n\n\n\n<p>That experience taught me something crucial &#8211; timing and relationships matter more than we think. <\/p>\n\n\n\n<p>Let me share what I&#8217;ve learned over years of dealing with Indian banks (and trust me, I&#8217;ve dealt with ALL of them! \ud83d\ude05)<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Best Time to Apply<\/h3>\n\n\n\n<p>Remember how we time our India trips around festivals and wedding seasons? Loan applications need similar planning.<\/p>\n\n\n\n<p>Here&#8217;s what most NRIs don&#8217;t know &#8211; banks have quarterly targets. <\/p>\n\n\n\n<p>I learned this from a friendly manager during my third loan application (yes, I&#8217;m persistent!).<\/p>\n\n\n\n[su_note note_color=&#8221;#f8dffe&#8221; text_color=&#8221;#000000&#8243; radius=&#8221;10&#8243;]\n\n\n\n<p>Apply during:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>December end (banks desperate to meet yearly targets)<\/li>\n\n\n\n<li>March end (financial year closing)<\/li>\n\n\n\n<li>Festival seasons (Diwali\/Dussehra special rates)<\/li>\n<\/ul>\n\n\n\n[\/su_note]\n\n\n\n<p>My biggest win? <\/p>\n\n\n\n<p>Got a 1% lower rate just because I applied during their year-end campaign!<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Rate Negotiation Secrets<\/h3>\n\n\n\n<p>2017: I walked into an ICICI branch in Mumbai during my vacation.<br>Manager: &#8220;Sir, rate is fixed for NRIs.&#8221;<br>Me: <em>Pulls out competitor&#8217;s offer letter<\/em><br>Manager: &#8220;Let me check with my senior\u2026&#8221;<\/p>\n\n\n\n<p>See what happened there? \ud83d\ude09<\/p>\n\n\n\n<p>Here&#8217;s what works:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Get quotes from multiple banks (they hate competing offers!)<\/li>\n\n\n\n<li>Use your NRE account relationship (longer the better)<\/li>\n\n\n\n<li>Highlight your US credit score (they love stability)<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">EMI Planning<\/h3>\n\n\n\n<p>This one&#8217;s personal &#8211; learned it the hard way when the rupee dropped 10% in 2018, and my &#8220;comfortable&#8221; EMI suddenly wasn&#8217;t so comfortable.<\/p>\n\n\n\n<p>Think of it like planning your Netflix and Spotify subscriptions, but with bigger numbers and more at stake!<\/p>\n\n\n\n[su_note note_color=&#8221;#f8dffe&#8221; text_color=&#8221;#000000&#8243; radius=&#8221;10&#8243;]\n\n\n\n<p>Pro tip: Set up your EMI payment like this:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Keep 3 months&#8217; EMI as buffer in your NRE account<\/li>\n\n\n\n<li>Add 10% extra for exchange rate fluctuations<\/li>\n\n\n\n<li>Set up auto-debit (trust me, you&#8217;ll forget dates with time zones!)<\/li>\n<\/ul>\n\n\n\n[\/su_note]\n\n\n\n<p>You know what&#8217;s funny? My relationship manager now uses my EMI planning template for other NRI customers. <\/p>\n\n\n\n<p>Sometimes the best solutions come from painful experiences!<\/p>\n\n\n\n<p>Remember folks &#8211; personal loans aren&#8217;t just about <a href=\"https:\/\/manikarthik.com\/blog\/nri-interest-rates\/\" data-wpil-monitor-id=\"284\">interest rates<\/a> and paperwork. It&#8217;s about timing, relationships, and yes, a bit of good old Indian jugaad (the legal kind, of course! \ud83d\ude05).<\/p>\n\n\n\n<p><strong>P.S. &#8211; That 0.5% reduction I mentioned earlier? Saved me \u20b91.2 lakhs over the loan tenure. Sometimes, being annoying pays off! \ud83c\udfaf<\/strong><\/p>\n\n\n\n<p><strong>Best Time to Apply:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>During India visits<\/li>\n\n\n\n<li>Festival seasons (better rates)<\/li>\n\n\n\n<li>When dollar is strong<\/li>\n<\/ul>\n\n\n\n<p><strong>Rate Negotiation:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Use existing relationships<\/li>\n\n\n\n<li>Compare multiple banks<\/li>\n\n\n\n<li>Leverage your NRI status<\/li>\n<\/ul>\n\n\n\n<p><strong>EMI Planning:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Buffer for exchange rates<\/li>\n\n\n\n<li>Auto-debit from NRE account<\/li>\n\n\n\n<li>Prepayment options<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">What About Alternatives? \ud83e\udd14<\/h2>\n\n\n\n<p><strong>Secured Loans<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Against Fixed Deposits<\/li>\n\n\n\n<li>Against Property<\/li>\n\n\n\n<li>Better rates, easier approval<\/li>\n<\/ul>\n\n\n\n<p><strong><a href=\"https:\/\/manikarthik.com\/blog\/credit-cards-for-nris\/\" data-wpil-monitor-id=\"238\">Credit Cards<\/a><\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>NRI credit cards<\/li>\n\n\n\n<li>International cards<\/li>\n\n\n\n<li>Emergency options<\/li>\n<\/ul>\n\n\n\n<p><strong>Family Arrangements<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Local guarantor<\/li>\n\n\n\n<li>Joint applications<\/li>\n\n\n\n<li>Property collateral<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Need Help? Next Steps \ud83d\ude80<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Document Checklist<\/strong><br>Download my comprehensive checklist [here]<\/li>\n\n\n\n<li><strong>Bank Comparison Tool<\/strong><br>Use my rate comparison calculator [here]<\/li>\n\n\n\n<li><strong>Personal Consultation<\/strong><br>Book a slot [here] for personalized guidance<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">The Bottom Line<\/h2>\n\n\n\n<p>Getting a personal loan as an NRI isn&#8217;t impossible &#8211; it just needs more planning than a Sundar Pichai town hall! \ud83d\ude09<\/p>\n\n\n\n<p>Remember:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Start early<\/li>\n\n\n\n<li>Keep documents ready<\/li>\n\n\n\n<li>Compare multiple banks<\/li>\n\n\n\n<li>Plan for forex fluctuations<\/li>\n\n\n\n<li>Read the fine print<\/li>\n<\/ul>\n\n\n\n<p>Questions? Drop them below!<\/p>\n\n\n\n<p>And hey, if you want regular updates on NRI banking and loans, join my newsletter where I share:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Rate changes<\/li>\n\n\n\n<li>Policy updates<\/li>\n\n\n\n<li>Success stories<\/li>\n\n\n\n<li>And yes, my own loan application disasters!<\/li>\n<\/ul>\n\n\n\n<p>Happy Borrowing!<br>Mani<\/p>\n\n\n\n<p><strong>P.S. &#8211; Want to know how I managed that 2 AM medical emergency loan? Join my newsletter for the full story!<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Mani here. Thinking of taking a loan as an NRI? Picture this: Seattle, 2014. Me, staring at my laptop at 2 AM, desperately trying to&#8230;<\/p>\n","protected":false},"author":1,"featured_media":34912,"comment_status":"open","ping_status":"open","sticky":true,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[33],"tags":[],"class_list":["post-961","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\/961","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=961"}],"version-history":[{"count":14,"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/posts\/961\/revisions"}],"predecessor-version":[{"id":35504,"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/posts\/961\/revisions\/35504"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/media\/34912"}],"wp:attachment":[{"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/media?parent=961"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/categories?post=961"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/tags?post=961"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}