{"id":12025,"date":"2026-04-22T17:29:05","date_gmt":"2026-04-22T17:29:05","guid":{"rendered":"https:\/\/srv1603485.hstgr.cloud\/negotiate-lower-interest-rates-india\/"},"modified":"2026-10-21T07:45:26","modified_gmt":"2026-10-21T07:45:26","slug":"negotiate-lower-interest-rates-india","status":"publish","type":"post","link":"https:\/\/accelaronix.in\/blogs\/negotiate-lower-interest-rates-india\/","title":{"rendered":"Tips to Get Your Lender to Cut Your Loan Interest"},"content":{"rendered":"<p>You can negotiate lower interest rates by asking your lender for a rate review with a strong credit record, a written competing offer and a clear number in mind. It does not always work, and no lender has to agree. But a short, prepared conversation costs nothing, and the same preparation also helps if you decide to refinance or move your balance elsewhere.<\/p>\n<p>This guide covers the practical steps for loans and credit cards: what to prepare, what to say, which route to choose and what to watch for in the fine print.<\/p>\n<h2 id='can-you-negotiate-lower-interest-rates-on-loans-and-cards-in-india'>Can You Negotiate Lower Interest Rates on Loans and Cards in India?<\/h2>\n<p>Yes, you can ask, and sometimes lenders agree. Whether they do depends on your repayment record, your credit score, the type of loan, whether your rate is fixed or linked to a benchmark, and what other lenders are offering you at that moment. A lender is not obliged to cut your rate, so treat the conversation as a request backed by evidence, not a demand.<\/p>\n<p>Negotiation works best in three situations. The first is when you have a clean repayment record on the loan you already hold. The second is when your credit profile has improved since you took the loan. The third is when you hold a written offer from another lender at a lower rate. Each one gives the lender a business reason to keep you.<\/p>\n<h2 id='what-should-you-prepare-before-you-call-your-lender'>What Should You Prepare Before You Call Your Lender?<\/h2>\n<p>Preparation decides most of the outcome. A lender hears many requests for a lower rate, and the ones that get a serious hearing usually arrive with documents attached. Spend an evening on the following before you pick up the phone.<\/p>\n<ol>\n<li>Pull your latest loan or card statement. Write down the outstanding amount, the current interest rate, the remaining tenure and any fees charged so far.<\/li>\n<li>Download your credit report and score. The credit bureaus, such as <a href=\"https:\/\/www.cibil.com\" target=\"_blank\" rel=\"noopener\">TransUnion CIBIL<\/a>, explain how scores are calculated and let you access your report. Read the report line by line and look for errors, closed accounts shown as open or payments wrongly marked late.<\/li>\n<li>Collect proof of income. Recent salary slips, bank statements or an ITR copy show that your ability to repay is stable or better than when the loan began.<\/li>\n<li>Gather two or three written offers from other lenders for the same type of loan. A screenshot of an advertised rate is weaker than a sanction letter or an email with the rate, fee and tenure.<\/li>\n<li>Read your loan agreement for the interest rate type, the benchmark it is linked to if any, and the charges for part payment or closing the loan early.<\/li>\n<li>Write down your target rate and the lowest improvement you would accept, so you can decide quickly during the call.<\/li>\n<\/ol>\n<p>If you cannot find the agreement, ask the lender for a copy. For digital loans, the <a href=\"https:\/\/www.rbi.org.in\/Scripts\/NotificationUseraspx?Id=12848&Mode=0\" target=\"_blank\" rel=\"noopener\">Reserve Bank of India Digital Lending Directions<\/a> provide for a key fact statement that sets out the cost of the loan, and for a cooling off period after the loan is taken. Ask for the key fact statement when comparing offers, because it lets you put two loans side by side on the same footing.<\/p>\n<h2 id='how-does-your-credit-score-affect-your-bargaining-power'>How Does Your Credit Score Affect Your Bargaining Power?<\/h2>\n<p>Your credit score is a number built from your credit report, and it is the first thing most lenders look at when they decide what rate to offer. A higher score suggests lower risk to the lender, which is why it supports a request for a lower rate. A weak or falling score has the opposite effect.<\/p>\n<p>Scoring models differ between bureaus, and each bureau publishes its own method. If you want to see how reports are built and why two bureaus can show different numbers, read <a href=\"https:\/\/www.billcut.com\/blogs\/how-credit-bureaus-work-in-india\/\" target=\"_blank\" rel=\"noopener\">how credit bureaus work in India<\/a>.<\/p>\n<p>A few habits tend to help your profile over a few months. They do not guarantee a higher score, and the effect varies by person.<\/p>\n<ul>\n<li>Pay every EMI and card bill on or before the due date.<\/li>\n<li>Keep the share of your card limit that you use as low as you comfortably can.<\/li>\n<li>Avoid applying to several lenders in quick succession, because each application can leave an enquiry on your report.<\/li>\n<li>Have errors on your report corrected through the bureau and the lender that reported them.<\/li>\n<\/ul>\n<h2 id='what-are-your-options-to-negotiate-lower-interest-rates'>What Are Your Options to Negotiate Lower Interest Rates?<\/h2>\n<p>You have five main routes. They differ in what you ask for, what it can cost you and how much effort it takes. The table below compares them by outcome, not only by the headline rate, because a lower rate can still cost more overall if fees are high or the tenure is much longer.<\/p>\n<table>\n<thead>\n<tr><th>Route<\/th><th>What you ask for<\/th><th>Possible cost<\/th><th>Main risk or limit<\/th><\/tr>\n<\/thead>\n<tbody>\n<tr><td>Ask your current lender for a rate review<\/td><td>A lower rate or lower spread on the same loan<\/td><td>Often little or none, depending on the lender<\/td><td>The lender may refuse, and a rejection has no effect on your loan<\/td><\/tr>\n<tr><td>Balance transfer to another lender<\/td><td>A new loan or card that pays off the old balance<\/td><td>Processing fee, and possibly a closing charge on the old loan<\/td><td>Fees can cancel the saving if the balance is small or the remaining tenure is short<\/td><\/tr>\n<tr><td>Refinance with a new loan<\/td><td>A fresh loan at a lower rate to replace the old one<\/td><td>Processing fee, documentation and a new credit enquiry<\/td><td>A longer tenure can lower the EMI but raise total interest<\/td><\/tr>\n<tr><td>Reset to a lower spread on a benchmark linked loan<\/td><td>A lower margin over the benchmark in your agreement<\/td><td>May carry a conversion fee<\/td><td>Not every loan is benchmark linked, and rules on resets differ by loan type<\/td><\/tr>\n<tr><td>Convert card dues into a structured loan<\/td><td>A fixed repayment plan with a lower rate than the card<\/td><td>Fees and interest on the new plan<\/td><td>Approval and rate depend on your profile, and the plan still has to be repaid in full<\/td><\/tr>\n<\/tbody>\n<\/table>\n<p>Start with the cheapest route, which is asking your current lender. Move to the next route only if that fails or if an outside offer is clearly better after fees.<\/p>\n<h2 id='how-do-you-use-competing-offers-to-negotiate'>How Do You Use Competing Offers to Negotiate?<\/h2>\n<p>A competing offer is a written quote from another lender for the same type of loan, with the rate, fees and tenure stated. It shows your current lender what it could lose.<\/p>\n<p>Use it in a calm, factual way. Share the rate and the main terms, say you would prefer to stay if the lender can match or come close, and ask what it can do. Do not exaggerate or invent an offer, because the lender can ask to see it.<\/p>\n<p>Compare offers on cost, not just rate. Add the processing fee, any insurance bundled into the loan and any charge for closing your existing loan. Then compare the total you would pay, not only the monthly figure. If you need a refresher on how loan costs are built up, the <a href=\"https:\/\/www.rbi.org.in\/financialeducation\/Home.aspx\" target=\"_blank\" rel=\"noopener\">Reserve Bank of India financial education pages<\/a> are a plain language starting point.<\/p>\n<h2 id='what-is-a-repo-linked-rate-and-can-you-ask-for-a-reset'>What Is a Repo Linked Rate and Can You Ask for a Reset?<\/h2>\n<p>A repo linked rate is an interest rate that moves with a benchmark, which is often connected to the repo rate, the rate at which the central bank lends short term money to banks. If your loan is benchmark linked, your interest rate changes when the benchmark changes, and the lender adds a fixed margin on top, called the spread.<\/p>\n<p>For you, the two parts matter differently. You cannot negotiate the benchmark, but the spread may be open to discussion. If your credit profile has improved since you took the loan, you can ask whether the spread can be reduced. Your sanction letter or loan agreement will say which benchmark applies and how often the rate is reset.<\/p>\n<p>Many older loans and most credit cards are not set up this way. Credit card rates are typically a fixed monthly percentage set by the issuer, so there is no benchmark to ask about. Rules on benchmark linked pricing differ by loan type and change over time, so read the official notices before you rely on any claim about them. The Reserve Bank of India lists its circulars and notifications on its <a href=\"https:\/\/www.rbi.org.in\/Scripts\/NotificationUseraspx\" target=\"_blank\" rel=\"noopener\">notifications index<\/a>.<\/p>\n<h2 id='what-should-you-say-to-the-lender'>What Should You Say to the Lender?<\/h2>\n<p>Keep the request short, specific and polite. A call centre agent may not have the authority to change your rate, so ask early for the person or team that handles rate reviews, such as a relationship manager or the retention team. Then use a script like the one below and adjust it to your situation.<\/p>\n<table>\n<thead>\n<tr><th>Step<\/th><th>What you can say<\/th><\/tr>\n<\/thead>\n<tbody>\n<tr><td>Open<\/td><td>I have been repaying this loan on time since I took it, and I would like to request a review of my interest rate.<\/td><\/tr>\n<tr><td>Give the evidence<\/td><td>My repayment record is clean, my credit score has improved, and I have a written offer from another lender at a lower rate.<\/td><\/tr>\n<tr><td>State the ask<\/td><td>Can you reduce my rate to a level close to that offer, with no new processing fee?<\/td><\/tr>\n<tr><td>Ask about costs<\/td><td>If I move to a new lender instead, what would you charge me to close this loan?<\/td><\/tr>\n<tr><td>Close<\/td><td>Please send the revised rate and repayment schedule in writing, and tell me when it takes effect.<\/td><\/tr>\n<\/tbody>\n<\/table>\n<p>Whatever the answer, ask for it in writing and record the date, the name of the person and any reference number. If the lender says no, ask what would change the answer, such as a higher score or a longer repayment record, and put a reminder in your calendar to ask again.<\/p>\n<h2 id='what-does-a-lower-rate-really-save-you-a-worked-example'>What Does a Lower Rate Really Save You? A Worked Example<\/h2>\n<p>Here is a simple illustration. The numbers are assumptions chosen for easy arithmetic, not real offers and not a promise of what you will be offered. It uses the outstanding balance and ignores the fall in principal as you repay, so the real saving would be smaller.<\/p>\n<table>\n<thead>\n<tr><th>Item<\/th><th>Assumption or working<\/th><th>Amount<\/th><\/tr>\n<\/thead>\n<tbody>\n<tr><td>Outstanding balance<\/td><td>Illustrative<\/td><td>Rs 5,00,000<\/td><\/tr>\n<tr><td>Current rate<\/td><td>Illustrative, per year<\/td><td>15 percent<\/td><\/tr>\n<tr><td>Offered rate elsewhere<\/td><td>Illustrative, per year<\/td><td>13.5 percent<\/td><\/tr>\n<tr><td>Rate difference<\/td><td>15 minus 13.5<\/td><td>1.5 percentage points<\/td><\/tr>\n<tr><td>Interest saved in one year<\/td><td>1.5 percent of Rs 5,00,000<\/td><td>Rs 7,500<\/td><\/tr>\n<tr><td>One time processing fee<\/td><td>Illustrative, 0.5 percent of Rs 5,00,000<\/td><td>Rs 2,500<\/td><\/tr>\n<tr><td>Net saving in year one<\/td><td>Rs 7,500 minus Rs 2,500<\/td><td>Rs 5,000<\/td><\/tr>\n<\/tbody>\n<\/table>\n<p>The saving after fees is Rs 5,000 in the first year under these assumptions. If the lender also charged Rs 5,000 to close the old loan, the first year would show no gain at all. This is why the total cost of switching matters as much as the rate difference.<\/p>\n<p>If your debt is mostly on credit cards, a rate review with the issuer may not move far, because card interest is usually fixed by the issuer. Another route is to convert card dues into a structured repayment plan with a lender that offers one. Seeing the full cost before you sign is the key step, and BillCut can show you what that conversion looks like for your balance.<\/p>\n<p><strong>Next step:<\/strong> If card interest is what is hurting most, you can see how a structured, lower interest repayment plan could work for your outstanding balance at <a href=\"https:\/\/www.billcut.com\/\" target=\"_blank\" rel=\"noopener\">BillCut<\/a>. Approval and rates depend on your profile.<\/p>\n<h2 id='what-should-you-watch-for-in-fees-penalties-and-fine-print'>What Should You Watch For in Fees, Penalties and Fine Print?<\/h2>\n<p>A lower rate is only useful if the rest of the loan is fair. Before you accept a new rate or move your loan, read the following items in writing.<\/p>\n<ul>\n<li>Processing fee on the new loan and any charge for closing the old one.<\/li>\n<li>Whether the lower rate is fixed for the full tenure, or is a starting rate that resets later.<\/li>\n<li>Insurance or other products bundled into the loan, and whether they are optional.<\/li>\n<li>The charge for part payment and early closing, as stated in your loan agreement.<\/li>\n<li>Late payment charges. Under the Reserve Bank of India rule on <a href=\"https:\/\/rbi.org.in\/Scripts\/NotificationUseraspx?Id=12527&Mode=0\" target=\"_blank\" rel=\"noopener\">penal charges in loan accounts<\/a>, a penalty must be a flat penal charge and cannot be compounded into interest, so ask your lender to show how any penalty on your account is calculated.<\/li>\n<\/ul>\n<p>For credit cards, your monthly statement is the document that shows your interest, fees and minimum due. The <a href=\"https:\/\/www.rbi.org.in\/Scripts\/BS_ViewMasDirections.aspx?id=12300\" target=\"_blank\" rel=\"noopener\">Reserve Bank of India Master Direction on credit and debit cards<\/a> covers card billing, statements and grievance rules, so read the relevant part if you dispute a charge.<\/p>\n<h2 id='which-lenders-might-offer-a-better-rate'>Which Lenders Might Offer a Better Rate?<\/h2>\n<p>If you are looking beyond banks and NBFCs, understand the model first. Peer to peer platforms connect borrowers with individual lenders, and the risks differ from a bank loan, which is covered in the guide to <a href=\"https:\/\/www.billcut.com\/blogs\/what-is-p2p-lending-is-it-safe-in-india\/\" target=\"_blank\" rel=\"noopener\">whether P2P lending is safe in India<\/a>. Small buy now pay later balances are a separate case, and the article on <a href=\"https:\/\/www.billcut.com\/blogs\/bnpl-buy-now-pay-later-india\/\" target=\"_blank\" rel=\"noopener\">buy now pay later in India<\/a> explains how those work.<\/p>\n<p>Whichever lender you consider, you can look up whether it is a registered entity on the <a href=\"https:\/\/sachet.rbi.org.in\" target=\"_blank\" rel=\"noopener\">Reserve Bank of India Sachet portal<\/a>. Very low rates from an unregistered source can come with hidden charges and aggressive recovery.<\/p>\n<h2 id='how-does-billcut-fit-into-lowering-your-interest-costs'>How Does BillCut Fit Into Lowering Your Interest Costs?<\/h2>\n<p>BillCut is a debt refinancing platform, and it sells the category of solution described in the table above: converting high interest credit card debt into a structured repayment plan with lower interest EMIs. That means BillCut has a commercial interest in this topic, and you should weigh it alongside the free options in this guide.<\/p>\n<p>The problem BillCut addresses is specific. A credit card issuer may not agree to cut a card rate, and a rate review with the issuer may go nowhere. In that case, moving the outstanding card balance into an EMI based plan can give you a fixed monthly amount and an end date, which a revolving card balance does not.<\/p>\n<p>It also comes with limits. The interest rate you are offered depends on your profile and on the lenders involved, approval is not guaranteed, and the plan has fees and a repayment schedule you must meet. A longer plan can lower your monthly outgo while increasing the total you pay. So the useful comparison is the same one used throughout this article: total cost and time to clear the debt, against what you pay today, with every fee included.<\/p>\n<h2 id='who-should-and-should-not-try-to-negotiate-lower-interest-rates'>Who Should and Should Not Try to Negotiate Lower Interest Rates?<\/h2>\n<p>The table below summarises who is likely to benefit from each approach and who may be better served by a different step.<\/p>\n<table>\n<thead>\n<tr><th>Your situation<\/th><th>Suggested approach<\/th><\/tr>\n<\/thead>\n<tbody>\n<tr><td>Steady repayments, improved score, a written offer in hand<\/td><td>Ask your lender for a rate review and use the offer as support<\/td><\/tr>\n<tr><td>Large balance with years of tenure left<\/td><td>Compare a transfer or refinance after counting all fees<\/td><\/tr>\n<tr><td>Costly credit card balances you cannot clear in a few months<\/td><td>Ask the issuer first, then compare a structured repayment plan<\/td><\/tr>\n<tr><td>Recent missed payments or a falling score<\/td><td>Bring payments up to date and rebuild your record before asking<\/td><\/tr>\n<tr><td>Small balance close to being repaid<\/td><td>Switching fees may exceed the saving, so keep repaying<\/td><\/tr>\n<tr><td>Unable to meet current EMIs<\/td><td>Speak to the lender about restructuring and seek free counselling before taking a new loan<\/td><\/tr>\n<\/tbody>\n<\/table>\n<p>Do not hide facts when you negotiate. If your income has fallen or you have other loans, say so when asked, and do not take a new loan to repay an old one before you understand how the new one is priced.<\/p>\n<h2 id='what-if-the-lender-refuses-or-treats-you-unfairly'>What If the Lender Refuses or Treats You Unfairly?<\/h2>\n<p>A refusal to lower your rate is not a complaint matter, because the lender is entitled to say no. But if you believe the lender has charged you in a way that does not match your agreement, has not explained a charge or has not responded, you can raise a formal complaint.<\/p>\n<p>Start with the lender\u2019s own grievance process and keep a record of every message. If you do not get a satisfactory answer, regulated lenders follow the Reserve Bank of India <a href=\"https:\/\/www.rbi.org.in\/Common-man\/English\/Scripts\/Notification.aspx?Id=1572\" target=\"_blank\" rel=\"noopener\">Fair Practices Code<\/a> on how they treat borrowers, and the central bank runs a route for escalation. You can read about the <a href=\"https:\/\/www.rbi.org.in\/scripts\/FS_Overview.aspx?fn=2745\" target=\"_blank\" rel=\"noopener\">RBI Ombudsman scheme<\/a> and file a complaint against a regulated bank or NBFC on the <a href=\"https:\/\/cms.rbi.org.in\" target=\"_blank\" rel=\"noopener\">RBI Complaint Management System<\/a>.<\/p>\n<h2 id='frequently-asked-questions'>Frequently Asked Questions<\/h2>\n<!--FAQ_SECTION-->\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<ol class=\"rank-math-list \">\n<li id=\"faq-question-1791545637150\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Can I negotiate the interest rate on a personal loan?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Yes, you can ask your lender for a rate review, and it may agree if your repayment record is clean and you hold a written offer from another lender. The lender is not obliged to agree.<\/p>\n\n<\/div>\n<\/li>\n<li id=\"faq-question-1791545637151\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">How does my credit score affect my interest rate negotiation?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>A higher score suggests lower risk and supports your request, while a weak or falling score usually weakens it. Each bureau publishes its own scoring method, so scores can differ between bureaus.<\/p>\n\n<\/div>\n<\/li>\n<li id=\"faq-question-1791545637152\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Can I negotiate the interest rate on a credit card?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>You can ask the issuer, but card rates are usually set by the issuer as a fixed monthly percentage, so a reduction is less common than on a loan. Other options include moving the balance to a structured repayment plan.<\/p>\n\n<\/div>\n<\/li>\n<li id=\"faq-question-1791545637153\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Is a balance transfer worth it for a lower rate?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>It can be, if the saving over the remaining tenure is larger than the processing fee and any charge for closing the old loan. On a small balance or a short remaining tenure, fees can cancel the saving.<\/p>\n\n<\/div>\n<\/li>\n<li id=\"faq-question-1791545637154\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">What documents should I take to a rate negotiation?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Take your latest loan or card statement, your credit report, recent income proof and any written offers from other lenders. Your loan agreement helps you quote the exact terms you want to change.<\/p>\n\n<\/div>\n<\/li>\n<li id=\"faq-question-1791545637155\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">How often can I ask for a rate review?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>There is no single rule, because it depends on your loan agreement and the lender\u2019s policy. Many borrowers ask again after a few months of on time payments or after a visible improvement in their score.<\/p>\n\n<\/div>\n<\/li>\n<li id=\"faq-question-1791545637156\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Will asking for a lower rate hurt my credit score?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>A conversation with your current lender does not usually involve a new credit application. Applying to other lenders for offers can leave enquiries on your report, so limit the number of applications.<\/p>\n\n<\/div>\n<\/li>\n<li id=\"faq-question-1791545637157\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">What is the difference between refinancing and negotiating?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Negotiating asks your current lender to change the rate on your existing loan. Refinancing replaces the loan with a new one, often from another lender, and may carry a new processing fee.<\/p>\n\n<\/div>\n<\/li>\n<li id=\"faq-question-1791545637158\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">What if my lender refuses to lower my rate?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Ask what would change the answer, such as a higher score or a longer repayment record, and ask again later. If you believe a charge on your account is wrong, you can escalate through the lender and then the Reserve Bank of India complaint route.<\/p>\n\n<\/div>\n<\/li>\n<\/ol>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>A practical guide on negotiating lower interest rates with banks in India, offering actionable tips to reduce EMI, prepare documentation, and approach lenders strategically.<\/p>\n","protected":false},"author":2,"featured_media":1008,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","rank_math_title":"How to Negotiate Lower Loan Interest Rate With Your Bank","rank_math_description":"Learn how to negotiate a lower loan interest rate with your bank, what lenders consider and how a strong CIBIL score and repayment record can help you.","rank_math_focus_keyword":"how to negotiate lower loan interest rate","rank_math_primary_category":0},"categories":[394],"tags":[121],"class_list":["post-12025","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ai-in-personal-finance","tag-people-involved-in-discussion"],"_links":{"self":[{"href":"https:\/\/accelaronix.in\/blogs\/wp-json\/wp\/v2\/posts\/12025","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/accelaronix.in\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/accelaronix.in\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/accelaronix.in\/blogs\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/accelaronix.in\/blogs\/wp-json\/wp\/v2\/comments?post=12025"}],"version-history":[{"count":3,"href":"https:\/\/accelaronix.in\/blogs\/wp-json\/wp\/v2\/posts\/12025\/revisions"}],"predecessor-version":[{"id":16385,"href":"https:\/\/accelaronix.in\/blogs\/wp-json\/wp\/v2\/posts\/12025\/revisions\/16385"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/accelaronix.in\/blogs\/wp-json\/wp\/v2\/media\/1008"}],"wp:attachment":[{"href":"https:\/\/accelaronix.in\/blogs\/wp-json\/wp\/v2\/media?parent=12025"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/accelaronix.in\/blogs\/wp-json\/wp\/v2\/categories?post=12025"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/accelaronix.in\/blogs\/wp-json\/wp\/v2\/tags?post=12025"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}