{"id":2648,"date":"2026-09-10T10:51:38","date_gmt":"2026-09-10T10:51:38","guid":{"rendered":"https:\/\/manipalfintech.com\/blog\/?p=2648"},"modified":"2026-09-10T11:15:21","modified_gmt":"2026-09-10T11:15:21","slug":"personal-loan-for-salaried-vs-self-employed-key-differences","status":"publish","type":"post","link":"https:\/\/manipalfintech.com\/blog\/personal-loan-for-salaried-vs-self-employed-key-differences\/","title":{"rendered":"Personal Loan for Salaried vs Self-Employed: Key Differences Explained"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">A personal loan is the most trusted and quickest way to get funds when you need it. However, how you&#8217;re employed &#8211; salaried at a job, running your own business, or freelancing &#8211; makes a real difference to how lenders assess your personal loan application. This guide breaks down the key differences between an instant personal loan for salaried employees and self-employed borrowers, including eligibility, documentation, interest rates, approval timelines, and the practical steps each category can take to secure the best offer.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Why Employment Type Matters for Personal Loans<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">According to the <\/span><a href=\"https:\/\/www.rbi.org.in\/scripts\/BS_PressReleaseDisplay.aspx?prid=63477\" rel=\"nofollow noopener\" target=\"_blank\"><span style=\"font-weight: 400;\">RBI&#8217;s latest Quarterly BSR-1 release for June 2026<\/span><\/a><span style=\"font-weight: 400;\">, personal loans in India registered 12.7% year-on-year growth, with bank credit overall accelerating to 16.5% &#8211; significantly higher than 9.9% a year ago. Personal loans continue to be one of the fastest-growing categories in Indian retail credit. But how easily you can access one &#8211; and at what rate &#8211; depends on how lenders classify your income.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Data from CMIE and LiveMint pegs India&#8217;s salaried workforce at roughly 8.4 crore employees, alongside 1.2 crore freelancers and gig workers and a much larger self-employed and business-owner base. All of them borrow personal loans &#8211; but not on the same terms.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">At the heart of it, lenders price <a href=\"https:\/\/manipalfintech.com\/personal-loan\/\">personal loans<\/a> on one metric: how confident they are that your monthly EMI will hit their account for the full tenure of the loan. Salaried borrowers offer the highest confidence &#8211; a fixed employer transfer, every month, on the same date. Self-employed borrowers and freelancers, no matter how much they earn, have inherent income variability that lenders build risk premiums around.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This one difference influences everything &#8211; your interest rate, your loan amount, your paperwork, and how quickly your money arrives.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">What is an Instant Personal Loan for Salaried Employees?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">A personal loan for salaried employees is designed for individuals earning a fixed monthly salary from a private company, government organisation, or public sector undertaking. Key features:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fixed monthly income makes underwriting straightforward<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Approval typically within few hours; disbursal often same-day<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Documentation is minimal &#8211; mostly your PAN, salary slip, Form 16 and bank statement<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pre-approved offers are common for existing bank customers<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Interest rates typically range between 9.90% and 15% per annum<\/span><\/li>\n<\/ul>\n<div style=\"background:#001f5b;padding:20px 30px;border-radius:8px;display:flex;align-items:center;justify-content:space-between;gap:24px;\">\n<h6 style=\"margin:0;color:#fff;font-size:16px;font-weight:600;line-height:1.5;flex:1;\">\n        Get instant personal loan online with Manipal Fintech at 9.99% per annum interest raates<br \/>\n    <\/h6>\n<p>  <a id=\"applyNewloan\" href=\"https:\/\/manipalfintech.com\/personal-loan\/get-started\" style=\"display:flex;align-items:center;justify-content:center;background:#ffc33e;color:#00509c;text-decoration:none;border-radius:6px;font-size:16px;font-weight:700;height:40px;padding:0 24px;line-height:0px;white-space:nowrap;flex-shrink:0;\"><br \/>\n    Apply Now<br \/>\n<\/a>\n<\/div>\n<h2><span style=\"font-weight: 400;\">What is an Instant Personal Loan for Self-Employed Borrowers and Freelancers?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Self-employed borrowers include business owners, consultants, freelancers, professionals (doctors, CAs, lawyers) and gig workers. Their income is real and often substantial, but it comes from clients, business activity, or contracts rather than a monthly salary credit. Key features:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">For a personal loan for a self-employed applicant, income is assessed through Income Tax Returns (ITRs), bank statements, and business documents<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Approval typically takes 3 to 7 working days due to manual verification<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Documentation is heavier &#8211; ITRs of 2-3 years, audited financials, GST registration<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Personal loans for self-employed borrowers have Interest rates that typically range between 12.5% and 20% per annum<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Loan amounts may be slightly lower relative to declared income<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The one point worth stating clearly: a self-employed borrower earning \u20b91 lakh a month in actual cash flow is not automatically at a disadvantage &#8211; but they need to make sure their paperwork reflects that income properly.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Key Differences at a Glance<\/span><\/h2>\n<table>\n<tbody>\n<tr>\n<td><b>Parameter<\/b><\/td>\n<td><b>Salaried<\/b><\/td>\n<td><b>Self-Employed \/ Freelancer<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Income source<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Fixed monthly salary<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Variable business or client income<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Minimum income<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b915,000 per month (20,000 or 25,000 for a few lenders)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b93 lakh per year net income<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Documentation<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Salary slips, Form 16, bank statement<\/span><\/td>\n<td><span style=\"font-weight: 400;\">ITRs (2-3 years), audited financials, GST, bank statements<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Business\/job vintage<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6 to 24 months at current employer<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2 to 3 years of established business<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Interest rate<\/span><\/td>\n<td><span style=\"font-weight: 400;\">10.5% to 15% p.a.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">12.5% to 20% p.a.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Loan amount<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Higher, based on stable salary<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Slightly lower, based on ITR income<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Tenure options<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Up to 7 years<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Typically up to 5 years<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Approval timeline<\/span><\/td>\n<td><span style=\"font-weight: 400;\">24 to 48 hours<\/span><\/td>\n<td><span style=\"font-weight: 400;\">3 to 7 working days<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Minimum CIBIL<\/span><\/td>\n<td><span style=\"font-weight: 400;\">700+ (750+ for best rates)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">700+ (750+ for best rates)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Collateral<\/span><\/td>\n<td><span style=\"font-weight: 400;\">None<\/span><\/td>\n<td><span style=\"font-weight: 400;\">None<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span style=\"font-weight: 400;\">The 2-4% Interest Rate Gap &#8211; What It Actually Costs You<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Everyone talks about the interest rate gap between salaried and self-employed borrowers. It&#8217;s worth putting it in real numbers.<\/span><\/p>\n<p><b>Scenario:<\/b><span style=\"font-weight: 400;\"> \u20b95 lakh personal loan, 3-year tenure.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">For a salaried borrower at 11% p.a.:<\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">EMI: \u20b916,369<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Total repayment: \u20b95,89,300<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Total interest paid: <\/span><b>\u20b989,300<\/b><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">For a self-employed borrower at 14% p.a.:<\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">EMI: \u20b917,088<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Total repayment: \u20b96,15,168<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Total interest paid: <\/span><b>\u20b91,15,168<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The self-employed borrower pays \u20b925,868 more in interest for the same loan, over the same tenure.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Scale that up. On a \u20b910 lakh personal loan over 5 years, the same 3% rate difference adds up to over \u20b985,000 in extra interest &#8211; nearly enough to buy a decent bike.<\/span><\/p>\n<p><b>Pro Tip:<\/b><span style=\"font-weight: 400;\"> Even a 1% rate reduction on a \u20b95 lakh loan over 3 years saves you around \u20b99,000. If you&#8217;re comparing offers, focus on the total interest payable &#8211; not just the EMI. Two loans with the same monthly EMI can have very different lifetime costs.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">How Loan Amount Eligibility Actually Differs (FOIR Explained)<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Lenders use the Fixed Obligation to Income Ratio (FOIR) to calculate how much loan you qualify for. Generally, total EMIs (existing + new) should not exceed 50-55% of your monthly income for salaried applicants.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For self-employed borrowers, the calculation is stricter.<\/span><\/p>\n<p><b>Salaried applicant<\/b><span style=\"font-weight: 400;\"> earning \u20b950,000\/month, no existing EMIs:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Available EMI capacity (50% FOIR): \u20b925,000<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Supports a loan of roughly \u20b98-9 lakh at 12% over 3 years<\/span><\/li>\n<\/ul>\n<p><b>Self-employed applicant<\/b><span style=\"font-weight: 400;\"> with \u20b950,000 average monthly income (ITR-based):<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lenders often apply a 20% income buffer for variability \u2192 effective income considered as \u20b940,000<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Applied FOIR is often tighter &#8211; 40% instead of 50%<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Available EMI capacity: \u20b916,000<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Supports a loan of roughly \u20b95-5.5 lakh at 14% over 3 years<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Same income on paper &#8211; very different loan amounts sanctioned.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Self-employed borrowers can qualify for 30-40% smaller loans than salaried peers with the same declared income, purely because of how the eligibility math is structured. This is worth knowing before you apply &#8211; it prevents disappointment when the sanctioned amount comes in lower than expected.<\/span><\/p>\n<h2><b>How ITR Filing Can Influence Loan Eligibility For Self-Employed &amp; Freelancers<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">For self-employed professionals and freelancers, Income Tax Returns (ITRs) are an important part of demonstrating income and repayment capacity.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Many self-employed individuals use legitimate tax-planning provisions, including deductions, presumptive taxation under Section 44AD and eligible business expenses, to manage their taxable income efficiently. However, when applying for a personal loan, the income reflected in the ITR can play an important role in determining eligibility.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For example, a business owner may have \u20b915 lakh in annual business cash flow but report \u20b96 lakh as net taxable income after applicable deductions. Since lenders typically consider documented income as part of their assessment, the eligible loan amount may be based on the \u20b96 lakh income reflected in the ITR rather than the higher business cash flow.<\/span><\/p>\n<h3><b>Planning Ahead for Your Loan<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">If you anticipate applying for a personal loan in the next 6\u201312 months, discussing your borrowing plans with your CA can help you plan your finances accordingly. Maintaining accurate, consistent and well-documented income records can help present a clear picture of your financial capacity when you apply.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The objective is to ensure that your financial documentation accurately reflects your income profile and supports your borrowing requirements.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Common Challenges Self-Employed Borrowers Face (and How to Solve Them)<\/span><\/h2>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Challenge:<\/b><span style=\"font-weight: 400;\"> Irregular income documentation<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><b>Solution:<\/b><span style=\"font-weight: 400;\"> Maintain separate business and personal bank accounts. File ITRs consistently, even for years when income is lower. A clean paper trail is worth more than a strong single year of earnings.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Challenge:<\/b><span style=\"font-weight: 400;\"> Higher interest rates<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><b>Solution:<\/b><span style=\"font-weight: 400;\"> Apply through multi-lender platforms where NBFCs specialising in self-employed profiles compete for your business. Some NBFCs offer significantly better rates than banks for self-employed applicants.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Challenge:<\/b><span style=\"font-weight: 400;\"> Longer approval times<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><b>Solution:<\/b><span style=\"font-weight: 400;\"> Prepare all documents in advance &#8211; ITRs, audited financials, GST certificate, bank statements. Applications with complete documentation get approved 2-3 days faster.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Challenge:<\/b><span style=\"font-weight: 400;\"> Loan amount haircut<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><b>Solution:<\/b><span style=\"font-weight: 400;\"> Add a co-applicant with a strong income profile &#8211; spouse, parent, or sibling. This can substantially increase the sanctioned loan amount.<\/span><\/li>\n<\/ol>\n<h3><b>What Salaried Borrowers Should Still Watch Out For<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Being salaried doesn&#8217;t automatically give you the best deal. Two mistakes to avoid:<\/span><\/p>\n<ol>\n<li style=\"list-style-type: none;\">\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Compare available loan offers<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Your existing bank can be a convenient option, but it is worth comparing offers from 2\u20133 lenders to evaluate the interest rate, fees, tenure and overall cost. A small difference in the interest rate can make a meaningful difference to the total repayment over the loan tenure.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Choose a loan amount that suits your requirement<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Your eligible loan amount may be higher than what you actually need. Choosing an amount aligned with your financial requirement can help keep your EMI and overall interest cost manageable. Consider your current needs, monthly budget and repayment capacity when deciding the loan amount.<\/span><\/li>\n<\/ol>\n<\/li>\n<\/ol>\n<h3><b>Key Takeaways<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Salaried borrowers gets <a href=\"https:\/\/manipalfintech.com\/blog\/everything-you-need-to-know-about-online-personal-loan\/\">perosnal loan benefits<\/a> like faster processing, simpler documentation and competitive interest rates, while self-employed borrowers may have additional documentation requirements and timelines as lenders assess their broader income profile.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Interest rates can vary by borrower profile, lender and loan terms. Even a 2\u20134% difference can have a meaningful impact on the total interest payable over the loan tenure.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">FOIR calculations help lenders assess repayment capacity. For self-employed borrowers, lenders may consider income variations while determining the eligible loan amount.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Self-employed borrowers can strengthen their loan applications by maintaining accurate ITRs, separate business bank accounts, up-to-date GST filings and well-organised financial records.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Salaried borrowers can benefit from comparing offers across 2\u20133 lenders and choosing a loan amount that aligns with their actual financial requirement.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Regardless of your employment profile, maintaining a healthy CIBIL score, keeping documents ready and comparing suitable loan offers can help you make a well-informed borrowing decision.<\/span><\/li>\n<\/ul>\n<div class=\"blog-apply-now\" style=\"background-color: #001f5b; padding: 20px; border-radius: 8px;\">\n<h6>\n<p style=\"text-align: center; color: white;\">\n            Whether you&#8217;re salaried or self-employed, compare personalised loan offers and apply for a personal loan on Manipal Fintech today.\n        <\/p>\n<p style=\"text-align: center; color: white;\">\n            Enquire Now on<br \/>\n            <u><a style=\"color: gold;\" href=\"https:\/\/manipalfintech.com\/\">www.manipalfintech.com<\/a><\/u>,<br \/>\n            or call at<br \/>\n            <u><a style=\"color: gold;\" href=\"tel:18003098440\">18003098440<\/a><\/u>\n        <\/p>\n<\/h6>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>A personal loan is the most trusted and quickest way to get funds when you need it. However, how you&#8217;re employed &#8211; salaried at a job, running your&hellip;<\/p>\n","protected":false},"author":2,"featured_media":2654,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[298,296,91,297],"class_list":["post-2648","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-instant-personal-loan","tag-online-personal-loan","tag-personal-loan","tag-personal-loan-for-self-employed"],"_links":{"self":[{"href":"https:\/\/manipalfintech.com\/blog\/wp-json\/wp\/v2\/posts\/2648","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/manipalfintech.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/manipalfintech.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/manipalfintech.com\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/manipalfintech.com\/blog\/wp-json\/wp\/v2\/comments?post=2648"}],"version-history":[{"count":6,"href":"https:\/\/manipalfintech.com\/blog\/wp-json\/wp\/v2\/posts\/2648\/revisions"}],"predecessor-version":[{"id":2664,"href":"https:\/\/manipalfintech.com\/blog\/wp-json\/wp\/v2\/posts\/2648\/revisions\/2664"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/manipalfintech.com\/blog\/wp-json\/wp\/v2\/media\/2654"}],"wp:attachment":[{"href":"https:\/\/manipalfintech.com\/blog\/wp-json\/wp\/v2\/media?parent=2648"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/manipalfintech.com\/blog\/wp-json\/wp\/v2\/categories?post=2648"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/manipalfintech.com\/blog\/wp-json\/wp\/v2\/tags?post=2648"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}