{"id":3172,"date":"2020-10-26T07:22:56","date_gmt":"2020-10-26T07:22:56","guid":{"rendered":"http:\/\/caindelhiindia.com\/blog\/?p=3172"},"modified":"2024-05-01T07:20:34","modified_gmt":"2024-05-01T07:20:34","slug":"what-is-systemically-important-non-deposit-taking-nbfcnbfc-nd-si","status":"publish","type":"post","link":"https:\/\/www.caindelhiindia.com\/blog\/what-is-systemically-important-non-deposit-taking-nbfcnbfc-nd-si\/","title":{"rendered":"What is Systemically Important\u00a0Non-Deposit Taking NBFC?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_58 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69d7ebaa48014\" class=\"ez-toc-cssicon-toggle-label\"><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><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69d7ebaa48014\"  aria-label=\"Toggle\" \/><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.caindelhiindia.com\/blog\/what-is-systemically-important-non-deposit-taking-nbfcnbfc-nd-si\/#What_is_Systemically_Important_Non-Deposit_Taking_NBFCNBFC_%E2%80%93_ND_%E2%80%93_SI\" title=\"What is Systemically Important Non-Deposit Taking NBFC(NBFC \u2013 ND \u2013 SI)?\">What is Systemically Important Non-Deposit Taking NBFC(NBFC \u2013 ND \u2013 SI)?<\/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.caindelhiindia.com\/blog\/what-is-systemically-important-non-deposit-taking-nbfcnbfc-nd-si\/#Regulatory_Overview_on_Systemically_Important_Non-Deposit_Taking_NBFCNBFC_%E2%80%93_ND_%E2%80%93_SI\" title=\"Regulatory Overview on Systemically Important Non-Deposit Taking NBFC(NBFC \u2013 ND \u2013 SI)\">Regulatory Overview on Systemically Important Non-Deposit Taking NBFC(NBFC \u2013 ND \u2013 SI)<\/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.caindelhiindia.com\/blog\/what-is-systemically-important-non-deposit-taking-nbfcnbfc-nd-si\/#Capital_Adequacy_Ratio\" title=\"Capital Adequacy Ratio\u00a0\">Capital Adequacy Ratio\u00a0<\/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.caindelhiindia.com\/blog\/what-is-systemically-important-non-deposit-taking-nbfcnbfc-nd-si\/#Single_Group_Exposure_norms\" title=\"Single \/ Group Exposure norms \">Single \/ Group Exposure norms <\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.caindelhiindia.com\/blog\/what-is-systemically-important-non-deposit-taking-nbfcnbfc-nd-si\/#Filing_of_Return\" title=\"Filing of Return\">Filing of Return<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.caindelhiindia.com\/blog\/what-is-systemically-important-non-deposit-taking-nbfcnbfc-nd-si\/#Reporting_of_Asset_Liability_Management_ALM\" title=\"Reporting of Asset Liability Management (ALM)\">Reporting of Asset Liability Management (ALM)<\/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.caindelhiindia.com\/blog\/what-is-systemically-important-non-deposit-taking-nbfcnbfc-nd-si\/#Capital_raising_option_for_capital_adequacy_purposes\" title=\"Capital raising option for capital adequacy purposes\">Capital raising option for capital adequacy purposes<\/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.caindelhiindia.com\/blog\/what-is-systemically-important-non-deposit-taking-nbfcnbfc-nd-si\/#Reporting_of_Ratings_of_NBFCs\" title=\"Reporting of Ratings of NBFCs\">Reporting of Ratings of NBFCs<\/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.caindelhiindia.com\/blog\/what-is-systemically-important-non-deposit-taking-nbfcnbfc-nd-si\/#Criteria_for_Non-Deposit_taking_%E2%80%93_Systematically_important_Status\" title=\"Criteria for Non-Deposit taking \u2013 Systematically important Status\">Criteria for Non-Deposit taking \u2013 Systematically important Status<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.caindelhiindia.com\/blog\/what-is-systemically-important-non-deposit-taking-nbfcnbfc-nd-si\/#Participation_in_Currency_Options_by_Systematically_important_NBFC-ND\" title=\"Participation in Currency Options by Systematically important NBFC-ND\">Participation in Currency Options by Systematically important NBFC-ND<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.caindelhiindia.com\/blog\/what-is-systemically-important-non-deposit-taking-nbfcnbfc-nd-si\/#Frequently_Ask_Question-FAQs\" title=\"Frequently Ask Question-FAQ\u2019s\">Frequently Ask Question-FAQ\u2019s<\/a><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.caindelhiindia.com\/blog\/what-is-systemically-important-non-deposit-taking-nbfcnbfc-nd-si\/#Q_1What_is_the_minimum_asset_size_required_for_systematically_important_Non-Deposit-taking_NBFC\" title=\"Q 1What is the minimum asset size required for systematically important Non-Deposit-taking NBFC?\">Q 1What is the minimum asset size required for systematically important Non-Deposit-taking NBFC?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.caindelhiindia.com\/blog\/what-is-systemically-important-non-deposit-taking-nbfcnbfc-nd-si\/#Q_2_Is_there_any_additional_compliances_required_to_be_done_by_systematically_important_NBFC_%E2%80%93_ND\" title=\"Q 2 Is there any additional compliances required to be done by systematically important NBFC &#8211; ND?\">Q 2 Is there any additional compliances required to be done by systematically important NBFC &#8211; ND?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.caindelhiindia.com\/blog\/what-is-systemically-important-non-deposit-taking-nbfcnbfc-nd-si\/#Q_3_In_case_the_asset_size_of_systematically_important_Non-Deposit_taking_NBFC_falls_below_500_Cr_at_any_time_than_whether_it_is_required_to_comply_with_RBI_Regulation_as_applicable_on_NBFC_%E2%80%93_ND-_SI\" title=\"Q 3 In case the asset size of systematically important Non-Deposit taking NBFC falls below 500 Cr. at any time than whether it is required to comply with RBI Regulation as applicable on NBFC \u2013 ND- SI?\">Q 3 In case the asset size of systematically important Non-Deposit taking NBFC falls below 500 Cr. at any time than whether it is required to comply with RBI Regulation as applicable on NBFC \u2013 ND- SI?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.caindelhiindia.com\/blog\/what-is-systemically-important-non-deposit-taking-nbfcnbfc-nd-si\/#Q_4_Does_NBFC_%E2%80%93_ND_%E2%80%93_SI_required_to_report_on_Asset_Liability_Management\" title=\"Q 4 Does NBFC \u2013 ND \u2013 SI required to report on Asset Liability Management?\">Q 4 Does NBFC \u2013 ND \u2013 SI required to report on Asset Liability Management?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.caindelhiindia.com\/blog\/what-is-systemically-important-non-deposit-taking-nbfcnbfc-nd-si\/#RBI_Notification_related_to_unfair_interest_on_loans_to_NBFC\" title=\"RBI Notification related to unfair interest on loans to NBFC : \">RBI Notification related to unfair interest on loans to NBFC : <\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_is_Systemically_Important_Non-Deposit_Taking_NBFCNBFC_%E2%80%93_ND_%E2%80%93_SI\"><\/span><span style=\"color: #000080;\"><strong>What is Systemically Important Non-Deposit Taking NBFC(NBFC \u2013 ND \u2013 SI)?<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><a href=\"https:\/\/www.caindelhiindia.com\/blog\/wp-content\/uploads\/2020\/10\/nbfc-2.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\" wp-image-3174\" src=\"https:\/\/www.caindelhiindia.com\/blog\/wp-content\/uploads\/2020\/10\/nbfc-2.jpg\" alt=\"www.caindelhiindia.com; NBFC\" width=\"780\" height=\"373\" \/><\/a><\/p>\n<p>Non-Deposit taking NBFCs having an asset size of Rs. 500 Cr and more as per their audited balance sheet of last financial year are considered as a systemically important NBFC \u2013 ND (NBFC-ND-SI).<u>\u00a0<\/u><\/p>\n<p>Other NBFC\u2019s having an asset size of less than 500 Cr. will not come under the purview of Systematically Important Non-Deposit taking NBFC&#8217;s.<\/p>\n<p>Since these NBFC\u2019s are quite important for our economy, so to avoid any kind of fraud or false activity in this sector, the reserve bank of India has introduced some additional compliance requirements on these Kinds of NBFC&#8217;s.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Regulatory_Overview_on_Systemically_Important_Non-Deposit_Taking_NBFCNBFC_%E2%80%93_ND_%E2%80%93_SI\"><\/span><span style=\"color: #000080;\"><strong>Regulatory Overview on Systemically Important Non-Deposit Taking NBFC(NBFC \u2013 ND \u2013 SI)<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><a href=\"https:\/\/www.caindelhiindia.com\/blog\/wp-content\/uploads\/2020\/10\/overview.png\"><img loading=\"lazy\" decoding=\"async\" class=\" wp-image-3173\" src=\"https:\/\/www.caindelhiindia.com\/blog\/wp-content\/uploads\/2020\/10\/overview.png\" alt=\"www.caindelhiindia.com; NBFC\" width=\"629\" height=\"360\" \/><\/a><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Capital_Adequacy_Ratio\"><\/span><span style=\"color: #000080;\"><strong>Capital Adequacy Ratio<\/strong><strong>\u00a0<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Minimum Capital to Risk-weighted Assets Ratio (CRAR) as required to be maintained by NBFC\u2013ND\u2013SI shall be 10%.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Single_Group_Exposure_norms\"><\/span><span style=\"color: #000080;\"><strong>Single \/ Group Exposure norms <\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>RBI has advised NBFCs \u2013 ND \u2013 SI to have a policy w.r.t. exposures to a single or group entity.<\/p>\n<p>Application for appropriate dispensation consistent with the spirit of the exposure limits can be made by Non-deposit-taking NBFC \u2013 SI not accepting public funds.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Filing_of_Return\"><\/span><span style=\"color: #000080;\"><strong>Filing of Return<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Every NBFC-ND-SI is required to submit a statement of capital funds, risk asset ratio, etc. quarterly in Form DNBS \u2013 03.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Reporting_of_Asset_Liability_Management_ALM\"><\/span><span style=\"color: #000080;\"><strong>Reporting of Asset Liability Management (ALM)<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>NBFC-ND-SI are required to file return in <strong>Form DNBS \u2013 4A Monthly <\/strong>concerning ALM Structural Liquidity statement and interest rate sensitivity.<\/p>\n<p>Apart from reporting in Form DNBS \u2013 4A, NBFC-ND-SI are also required to file <strong>Form DNBS \u2013 4B<\/strong> for AML STDL <strong>quarterly<\/strong>.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Capital_raising_option_for_capital_adequacy_purposes\"><\/span><span style=\"color: #000080;\"><strong>Capital raising option for capital adequacy purposes<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>NBFC-ND-SI is allowed to issue Perpetual Debt Instruments (PDI)subject to a certain limit, which will form part of Tier I capital of the company of the previous accounting year.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Reporting_of_Ratings_of_NBFCs\"><\/span><span style=\"color: #000080;\"><strong>Reporting of Ratings of NBFCs<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>In case the NBFC having an asset size of more than Rs. 100 Cr issues any financial product like commercial Paper, Debenture, which requires rating from the rating agencies, the NBFC must obtain the rating from the eligible rating agency and also report the change in the rating of the NBFC to the regional office of the RBI within 15 days of the change in the rating of the product.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Criteria_for_Non-Deposit_taking_%E2%80%93_Systematically_important_Status\"><\/span><span style=\"color: #000080;\"><strong>Criteria for Non-Deposit taking \u2013 Systematically important Status<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Non-deposit taking NBFC, whose asset size crossed the limit of Rs. 500 Cr. must comply with the Compliance requirements as applicable to the Systematically important Non-deposit taking NBFC (NBFC-ND-SI) as and when the asset size increases to Rs. 500 Cr. irrespective of asset size in the last balance sheet of the company.<\/p>\n<p>Further, the asset size of the company may fluctuate due to change in a dynamic environment, and also the asset size of the Systematically important NBFC &#8211; ND may fall below Rs. 500 Cr., in that case, the company must continue to fulfill the compliance requirement of Systematically important NBFC \u2013ND until the submission of the next audited balance with RBI and specific dispensation is received from the Bank in this regard from RBI.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Participation_in_Currency_Options_by_Systematically_important_NBFC-ND\"><\/span><span style=\"color: #000080;\"><strong>Participation in Currency Options by <\/strong><strong>Systematically important NBFC-ND<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Systematically important NBFC-ND are allowed to participate in the designated currency options exchanges recognized by SEBI as clients to hedge their underlying forex exposures. Appropriate disclosures may be made regarding transactions undertaken in the Balance sheet, subject to RBI (Foreign Exchange Department) guidelines in the matter<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Frequently_Ask_Question-FAQs\"><\/span><span style=\"color: #000080;\"><strong>Frequently Ask Question-FAQ\u2019s<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h4><span class=\"ez-toc-section\" id=\"Q_1What_is_the_minimum_asset_size_required_for_systematically_important_Non-Deposit-taking_NBFC\"><\/span><span style=\"color: #000080;\"><strong>Q 1What is the minimum asset size required for systematically important Non-Deposit-taking NBFC?<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><strong>Ans<\/strong>. The minimum Asset size Rs 500 Cr. required for systematically important Non-Deposit taking NBFC. (NBFC-ND-SI)<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Q_2_Is_there_any_additional_compliances_required_to_be_done_by_systematically_important_NBFC_%E2%80%93_ND\"><\/span><span style=\"color: #000080;\"><strong>Q 2 Is there any additional compliances required to be done by systematically important NBFC &#8211; ND?<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><strong>Ans. <\/strong>Yes, they are required to file certain additional returns and information with RBI apart from filing an annual return.<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Q_3_In_case_the_asset_size_of_systematically_important_Non-Deposit_taking_NBFC_falls_below_500_Cr_at_any_time_than_whether_it_is_required_to_comply_with_RBI_Regulation_as_applicable_on_NBFC_%E2%80%93_ND-_SI\"><\/span><span style=\"color: #000080;\"><strong>Q 3 In case the asset size of systematically important Non-Deposit taking NBFC falls below 500 Cr. at any time than whether it is required to comply with RBI Regulation as applicable on NBFC \u2013 ND- SI?<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><strong>Ans. <\/strong>Yes, the systematically important Non-Deposit taking NBFC must comply with the regulatory requirement until the RBI gives the dispensation order to the NBFC.<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Q_4_Does_NBFC_%E2%80%93_ND_%E2%80%93_SI_required_to_report_on_Asset_Liability_Management\"><\/span><span style=\"color: #000080;\"><strong>Q 4 Does NBFC \u2013 ND \u2013 SI required to report on Asset Liability Management?<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><strong>Ans. <\/strong>Yes, NBFC \u2013 ND \u2013 SI is required to make reporting on Asset Liability Management in Form DNBS \u2013 4A and Form DNBS \u2013 4B on a monthly and quarterly basis respectively<strong>.<\/strong><\/p>\n<h3><span class=\"ez-toc-section\" id=\"RBI_Notification_related_to_unfair_interest_on_loans_to_NBFC\"><\/span><span style=\"color: #000080;\"><strong>RBI Notification related to unfair interest on loans to NBFC : <\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The RBI has directed banks, Non-bank financial companies (NBFCs), and other financial organisations to closely review how they charge interest on the loans they distribute. After learning that certain lenders were charging unfair interest on loans, the RBI issued the new directive. As per the notification that the RBI released on April 29, 2024.<\/p>\n<p><strong><span style=\"color: #000080;\">Regards<\/span><\/strong><\/p>\n<p><strong><span style=\"color: #000080;\">India Financial Consultancy Private Limited<\/span><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>What is Systemically Important Non-Deposit Taking NBFC(NBFC \u2013 ND \u2013 SI)? Non-Deposit taking NBFCs having an asset size of Rs. 500 Cr and more as per their audited balance sheet of last financial year are considered as a systemically important NBFC \u2013 ND (NBFC-ND-SI).\u00a0 Other NBFC\u2019s having an asset size of less than 500 Cr. &hellip;<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[20,647,142,753],"tags":[920],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.caindelhiindia.com\/blog\/wp-json\/wp\/v2\/posts\/3172"}],"collection":[{"href":"https:\/\/www.caindelhiindia.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.caindelhiindia.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.caindelhiindia.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.caindelhiindia.com\/blog\/wp-json\/wp\/v2\/comments?post=3172"}],"version-history":[{"count":5,"href":"https:\/\/www.caindelhiindia.com\/blog\/wp-json\/wp\/v2\/posts\/3172\/revisions"}],"predecessor-version":[{"id":7112,"href":"https:\/\/www.caindelhiindia.com\/blog\/wp-json\/wp\/v2\/posts\/3172\/revisions\/7112"}],"wp:attachment":[{"href":"https:\/\/www.caindelhiindia.com\/blog\/wp-json\/wp\/v2\/media?parent=3172"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.caindelhiindia.com\/blog\/wp-json\/wp\/v2\/categories?post=3172"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.caindelhiindia.com\/blog\/wp-json\/wp\/v2\/tags?post=3172"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}