{"id":13504,"date":"2026-04-22T17:43:43","date_gmt":"2026-04-22T17:43:43","guid":{"rendered":"https:\/\/srv1603485.hstgr.cloud\/small-loans-split-micro-emis\/"},"modified":"2026-10-26T06:26:29","modified_gmt":"2026-10-26T06:26:29","slug":"small-loans-split-micro-emis","status":"publish","type":"post","link":"https:\/\/accelaronix.in\/blogs\/small-loans-split-micro-emis\/","title":{"rendered":"Small Loans Being Split into Micro-EMIs"},"content":{"rendered":"<p>Micro-EMIs are small loan repayments collected weekly or daily instead of as one monthly EMI. They make a loan feel lighter, but the total you repay is often similar or higher, and the deductions can pile up quickly. Before you accept one, work out the total repayment and the outflow over 30 days.<\/p>\n<h2 id='what-are-micro-emis-and-why-are-lenders-splitting-small-loans-this-way'>What are micro-EMIs and why are lenders splitting small loans this way?<\/h2>\n<p>A micro-EMI is a loan instalment that is much smaller and much more frequent than a monthly EMI. Instead of paying Rs 2,200 once a month, you might pay Rs 550 every week or Rs 110 every day. The amount borrowed does not change. Only the rhythm of repayment does.<\/p>\n<p>Lenders offer micro-EMIs for three practical reasons, and only one of them is about you.<\/p>\n<ul>\n<li><strong>Your income may not arrive monthly.<\/strong> Gig workers, shop owners and delivery partners are often paid daily or weekly, so a monthly due date can feel out of step with the money in your account.<\/li>\n<li><strong>Small amounts feel easier to commit to.<\/strong> A Rs 110 daily deduction feels less threatening than a Rs 3,300 monthly bill, even when the rupee amount is the same.<\/li>\n<li><strong>The lender carries less risk per missed payment.<\/strong> If you miss one small instalment, the amount overdue is limited, and collection is simpler for the lender.<\/li>\n<\/ul>\n<p>The first reason can genuinely help you. The second and third mostly help the lender, so it is worth separating convenience from cost before you borrow.<\/p>\n<h2 id='how-do-micro-emis-work-in-practice'>How do micro-EMIs work in practice?<\/h2>\n<p>With a micro-EMI loan, the full amount is paid out up front and the repayments are collected automatically in small pieces. Most are collected through an auto-debit from your bank account or wallet, using a UPI mandate, an eNACH mandate or a wallet deduction. The National Payments Corporation of India runs the <a href=\"https:\/\/www.npci.org.in\" target=\"_blank\" rel=\"noopener\">UPI and eNACH payment rails<\/a> that many of these mandates use.<\/p>\n<p>Three features shape how a micro-EMI behaves.<\/p>\n<ul>\n<li><strong>Frequency replaces size.<\/strong> A month of repayment becomes four weekly debits or about 30 daily debits.<\/li>\n<li><strong>Collection is automatic.<\/strong> You do not make a conscious payment each time, so the total cost is easy to lose sight of.<\/li>\n<li><strong>Tenures are often short.<\/strong> Once you repay, many apps quickly offer another loan, which can turn one-off borrowing into a repeat habit.<\/li>\n<\/ul>\n<p>Short tenures are not a flaw in themselves. They mean you carry the debt for less time. They also mean each rupee of instalment is larger relative to the loan, which matters if your income dips.<\/p>\n<h2 id='why-do-micro-emis-feel-cheaper-than-they-are'>Why do micro-EMIs feel cheaper than they are?<\/h2>\n<p>Micro-EMIs feel cheaper because a small number is easy to accept and a total is easy to forget. A deduction of Rs 110 looks trivial on a phone screen. The same loan, Rs 6,600 repaid over 60 days, is a much larger commitment when you see it as one figure.<\/p>\n<p>Three habits make this gap wider.<\/p>\n<ul>\n<li><strong>Auto-debit removes the reminder.<\/strong> With a monthly EMI you usually notice the money leaving. With a daily debit you may stop noticing at all.<\/li>\n<li><strong>Small amounts invite repeat borrowing.<\/strong> When one loan ends, the app may offer the next, and each offer is framed around the small instalment rather than the total.<\/li>\n<li><strong>Frequency hides magnitude.<\/strong> Thirty small deductions add up to the same sum as one large one, but they do not feel the same.<\/li>\n<\/ul>\n<p>None of this means micro-EMIs are a trap. It means the number to focus on is the total repayment, and the number to compare is your 30 day outflow.<\/p>\n<h2 id='are-micro-emis-cheaper-than-a-monthly-emi'>Are micro-EMIs cheaper than a monthly EMI?<\/h2>\n<p>No, not by default. Splitting an instalment changes how often you pay, not how much the loan costs. The table below uses one illustrative loan of Rs 6,000 with an assumed total repayment of Rs 6,600, repaid in three different ways. These figures are made up to show the arithmetic and are not a quote from any lender.<\/p>\n<table>\n<thead>\n<tr>\n<th>Repayment style<\/th>\n<th>Instalment<\/th>\n<th>Number of instalments<\/th>\n<th>Total repaid<\/th>\n<th>Time to debt free<\/th>\n<th>Outflow in 30 days<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Monthly EMI<\/td>\n<td>Rs 2,200<\/td>\n<td>3<\/td>\n<td>Rs 6,600<\/td>\n<td>3 months<\/td>\n<td>Rs 2,200<\/td>\n<\/tr>\n<tr>\n<td>Weekly micro-EMI<\/td>\n<td>Rs 550<\/td>\n<td>12<\/td>\n<td>Rs 6,600<\/td>\n<td>12 weeks<\/td>\n<td>Rs 2,200 over 4 weeks<\/td>\n<\/tr>\n<tr>\n<td>Daily micro-EMI<\/td>\n<td>Rs 110<\/td>\n<td>60<\/td>\n<td>Rs 6,600<\/td>\n<td>60 days<\/td>\n<td>Rs 3,300<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The arithmetic: 3 x Rs 2,200 = Rs 6,600, 12 x Rs 550 = Rs 6,600 and 60 x Rs 110 = Rs 6,600. In every row you repay Rs 600 more than you borrowed.<\/p>\n<p>The daily plan looks the lightest at Rs 110, yet it takes the most cash out of your account each month, Rs 3,300 against Rs 2,200. That is because the loan is repaid in two months instead of three.<\/p>\n<h3>Does a shorter repayment period make the cost higher?<\/h3>\n<p>It can, when measured per rupee actually borrowed. In the monthly plan you owe roughly Rs 6,000, then Rs 4,000, then Rs 2,000 across the three months, which is about Rs 12,000 of borrowing months. In the daily plan the balance falls by about Rs 100 a day, so you carry an average of roughly Rs 3,000 for two months, about Rs 6,000 of borrowing months.<\/p>\n<p>The same Rs 600 charge works out to roughly 5 percent of the monthly plan\u2019s borrowing months (Rs 600 divided by Rs 12,000) and roughly 10 percent of the daily plan\u2019s (Rs 600 divided by Rs 6,000). This is a simplified illustration that ignores how a real lender splits each instalment between principal and charges. Its point is that a short tenure with the same rupee fee can be the more expensive loan.<\/p>\n<p>For a fuller breakdown of fees on small loans, see our guide to the <a href=\"https:\/\/www.billcut.com\/blogs\/real-cost-of-small-loans-india\/\" target=\"_blank\" rel=\"noopener\">real cost of small loans in India<\/a>.<\/p>\n<h3>What happens when you stack several micro-EMI loans?<\/h3>\n<p>Stacking is where micro-EMIs do the most damage. Each deduction is small, so the next loan feels harmless. The table assumes a monthly income of Rs 15,000 and daily deductions of Rs 110 per loan, both illustrative.<\/p>\n<table>\n<thead>\n<tr>\n<th>Active micro-EMI loans<\/th>\n<th>Daily deduction<\/th>\n<th>Outflow in 30 days<\/th>\n<th>Share of Rs 15,000 income<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>1 loan<\/td>\n<td>Rs 110<\/td>\n<td>Rs 3,300<\/td>\n<td>22 percent<\/td>\n<\/tr>\n<tr>\n<td>2 loans<\/td>\n<td>Rs 220<\/td>\n<td>Rs 6,600<\/td>\n<td>44 percent<\/td>\n<\/tr>\n<tr>\n<td>3 loans<\/td>\n<td>Rs 330<\/td>\n<td>Rs 9,900<\/td>\n<td>66 percent<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Three loans of Rs 6,000 each would take Rs 9,900 out of your account in a 30 day stretch, before rent, food or bills. The same pattern is described in our article on <a href=\"https:\/\/www.billcut.com\/blogs\/borrowers-multiple-small-loans\/\" target=\"_blank\" rel=\"noopener\">why borrowers end up with multiple small loans<\/a>.<\/p>\n<h3>What does a low-income week do to a daily plan?<\/h3>\n<p>A daily plan leaves little room for a weak week. Suppose, illustratively, that you usually earn about Rs 3,500 a week but one week brings in only Rs 1,500. With three loans at Rs 110 a day each, your deductions for that week are 7 x Rs 330 = Rs 2,310. That is Rs 810 more than the Rs 1,500 you earned (Rs 2,310 minus Rs 1,500).<\/p>\n<p>Some of that gap would have to come from savings or from somewhere else, such as another loan. A monthly EMI would have given you until the due date to catch up. This is the practical cost of fast repayment cycles: they leave less time to recover from a bad week.<\/p>\n<p>If the deductions are already feeling heavy, you can talk through your options with BillCut. It starts with a look at your existing debts, with no obligation to proceed. <a href=\"https:\/\/www.billcut.com\/?src=blogs_13504\" target=\"_blank\" rel=\"noopener\">See what BillCut can do for your debt<\/a>.<\/p>\n<h2 id='what-happens-if-you-miss-a-micro-emi-payment'>What happens if you miss a micro-EMI payment?<\/h2>\n<p>Missing a micro-EMI can cost you sooner than missing a monthly EMI, because the due dates come so often. A daily plan has about 30 due dates in a month, so a few low-balance days can produce several late charges in a short stretch. The exact charge depends on your loan agreement, so read that section before you sign.<\/p>\n<p>For loans from regulated lenders, the Reserve Bank of India has set a rule on penalties. A lender may levy a flat penal charge on a missed payment, and it cannot add that charge to your interest and then charge interest on it again. The rule is set out in the Reserve Bank of India\u2019s <a href=\"https:\/\/rbi.org.in\/Scripts\/NotificationUseraspx?Id=12527&Mode=0\" target=\"_blank\" rel=\"noopener\">direction on penal charges in loan accounts<\/a>.<\/p>\n<p>A missed payment can also reach your credit record. Payment history is one of the inputs to a credit score, as <a href=\"https:\/\/www.cibil.com\" target=\"_blank\" rel=\"noopener\">TransUnion CIBIL explains<\/a>, so repeated missed micro-EMIs may lower your score if the lender reports to credit bureaus. Whether a particular app reports is something its loan terms should state.<\/p>\n<h2 id='what-should-a-micro-emi-loan-tell-you-before-you-accept-it'>What should a micro-EMI loan tell you before you accept it?<\/h2>\n<p>A regulated digital lender should show you the full cost of the loan before you commit. Under the Reserve Bank of India\u2019s <a href=\"https:\/\/www.rbi.org.in\/Scripts\/NotificationUseraspx?Id=12848&Mode=0\" target=\"_blank\" rel=\"noopener\">Digital Lending Directions, 2025<\/a>, borrowers are entitled to a key fact statement that sets out the terms in one place, and to a cooling off period after taking the loan. The same directions require the loan to be paid out directly to your bank account.<\/p>\n<p>Use that statement to answer the questions in this table before you tap accept.<\/p>\n<table>\n<thead>\n<tr>\n<th>Question to answer<\/th>\n<th>Why it matters for a micro-EMI<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>What is the total amount I will repay?<\/td>\n<td>The instalment alone hides the cost. Multiply it by the number of instalments.<\/td>\n<\/tr>\n<tr>\n<td>How many instalments, and how often?<\/td>\n<td>Daily or weekly debits change your 30 day outflow, as the tables above show.<\/td>\n<\/tr>\n<tr>\n<td>What are the processing and other charges?<\/td>\n<td>Fees charged up front or on every renewal add to the Rs 600 cost in the example.<\/td>\n<\/tr>\n<tr>\n<td>What is the penal charge for a missed instalment?<\/td>\n<td>It may apply per missed instalment, and there can be many in a month.<\/td>\n<\/tr>\n<tr>\n<td>How do I stop or change the auto-debit?<\/td>\n<td>You should know how the mandate works before money starts leaving your account.<\/td>\n<\/tr>\n<tr>\n<td>Is the money paid straight to my bank account?<\/td>\n<td>Direct disbursement is part of the current digital lending rules.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>If a lender cannot or will not show these numbers, that tells you something useful. You can also look up whether a lender is registered on the Reserve Bank of India\u2019s <a href=\"https:\/\/sachet.rbi.org.in\" target=\"_blank\" rel=\"noopener\">Sachet portal<\/a>, which is also where you can report illegal lending.<\/p>\n<h2 id='who-should-and-should-not-use-micro-emis'>Who should and should not use micro-EMIs?<\/h2>\n<p>Micro-EMIs suit some borrowers well and others poorly. The deciding factor is usually how your income arrives and how many loans you already carry.<\/p>\n<table>\n<thead>\n<tr>\n<th>Micro-EMIs may suit you if<\/th>\n<th>Micro-EMIs may not suit you if<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Your income arrives daily or weekly and a monthly due date is awkward.<\/td>\n<td>You have a steady monthly salary and can pay a monthly EMI on salary day.<\/td>\n<\/tr>\n<tr>\n<td>You need a small amount for an essential expense and plan to repay it quickly.<\/td>\n<td>You are borrowing to cover everyday spending that will recur next month.<\/td>\n<\/tr>\n<tr>\n<td>You have read the total repayment amount and it fits your budget.<\/td>\n<td>You already have one or more loans with daily or weekly deductions.<\/td>\n<\/tr>\n<tr>\n<td>Your account balance reliably covers each deduction.<\/td>\n<td>Your income swings sharply from week to week.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>If you are on a monthly salary, a plain monthly EMI usually gives you the same total with fewer due dates. If your income is irregular, a micro-EMI can reduce the strain of a large monthly payment, but only for a loan you can afford in full. Our piece on <a href=\"https:\/\/www.billcut.com\/blogs\/split-payments-emis-india\/\" target=\"_blank\" rel=\"noopener\">split payments and EMIs in India<\/a> covers the wider trade-offs.<\/p>\n<h2 id='how-can-you-keep-micro-emis-under-control'>How can you keep micro-EMIs under control?<\/h2>\n<p>Treat every micro-EMI as a monthly number. Convert each deduction into a 30 day total, add all your loans together and compare the sum with what you earn. If the total is more than you can carry in your weakest income week, the loan is too large for you right now.<\/p>\n<ol>\n<li>Write down the total repayment for each loan, not only the instalment.<\/li>\n<li>Multiply each daily deduction by 30 and each weekly one by 4 to get a monthly figure.<\/li>\n<li>Add the figures and compare the sum with your income in a low week.<\/li>\n<li>Keep enough in the linked account to cover each debit, so a failed debit does not trigger a charge.<\/li>\n<li>Pause new borrowing while your income is unstable.<\/li>\n<\/ol>\n<p>When a loan has not gone as planned, you have routes to complain. You can file a complaint against a regulated lender through the Reserve Bank of India\u2019s <a href=\"https:\/\/cms.rbi.org.in\" target=\"_blank\" rel=\"noopener\">Complaint Management System<\/a>, and the Reserve Bank\u2019s <a href=\"https:\/\/www.rbi.org.in\/scripts\/FS_Overview.aspx?fn=2745\" target=\"_blank\" rel=\"noopener\">ombudsman and consumer protection overview<\/a> explains the escalation route. Our article on <a href=\"https:\/\/www.billcut.com\/blogs\/why-small-loans-lead-to-big-problems\/\" target=\"_blank\" rel=\"noopener\">why small loans lead to big problems<\/a> explains how small debts grow when they are left alone.<\/p>\n<h2 id='how-can-billcut-help-if-small-debts-are-adding-up'>How can BillCut help if small debts are adding up?<\/h2>\n<p>BillCut is a balance transfer and debt reduction platform, which means it is a provider in the debt refinancing category discussed in this article. It does not offer micro-EMI loans. BillCut works on a different part of the problem: high interest credit card debt that has been growing alongside smaller loans.<\/p>\n<p>If you carry credit card balances at high interest rates, BillCut helps you convert that debt into structured, lower interest EMIs. That can bring several payment dates down to one clear schedule, which is easier to plan around than a growing set of daily and weekly deductions.<\/p>\n<p>There are limits you should know about. Refinancing does not erase what you owe, the rate and terms you are offered depend on your profile, and it does not replace the need to stop borrowing from new apps while you repay. Micro-EMI loans themselves would still need to be repaid under their own terms. BillCut can be a fit if a large part of your pressure comes from credit card debt, and it is worth comparing the full cost of any offer against what you pay today before you decide.<\/p>\n<h2 id='frequently-asked-questions'>Frequently Asked Questions<\/h2>\n<p><!--FAQ_SECTION--><\/p>\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<ol class=\"rank-math-list \">\n<li id=\"faq-question-1792992766484\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">What are micro-EMIs?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Micro-EMIs are small, frequent loan repayments, usually weekly or daily, in place of one larger monthly EMI. The loan amount is paid out up front and the instalments are collected automatically.<\/p>\n\n<\/div>\n<\/li>\n<li id=\"faq-question-1792992766485\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Are micro-EMIs cheaper than regular EMIs?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Not by default. The total repayment is often similar or higher, because splitting the instalments changes how often you pay and not what the loan costs. Always compare the total repayment amount across options.<\/p>\n\n<\/div>\n<\/li>\n<li id=\"faq-question-1792992766486\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Who benefits most from micro-EMIs?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Borrowers whose income arrives daily or weekly, such as gig workers and shop owners, can find a micro-EMI easier to match to their cash flow. It works best for a small essential expense that you can repay in full.<\/p>\n\n<\/div>\n<\/li>\n<li id=\"faq-question-1792992766487\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Can micro-EMIs lead to over-borrowing?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Yes. Because each deduction feels small, it is easy to take several loans at once, and the combined daily or weekly outflow can take a large share of your income.<\/p>\n\n<\/div>\n<\/li>\n<li id=\"faq-question-1792992766488\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Should a salaried person choose micro-EMIs?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Usually a monthly EMI on salary day gives the same total with fewer due dates. A micro-EMI makes sense only if it fits your cash flow and you have read the total repayment.<\/p>\n\n<\/div>\n<\/li>\n<li id=\"faq-question-1792992766489\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">How do I turn a daily micro-EMI into a monthly figure?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Multiply the daily deduction by 30. For example, Rs 110 a day is Rs 3,300 over 30 days, and a weekly Rs 550 is roughly Rs 2,200 over four weeks.<\/p>\n\n<\/div>\n<\/li>\n<li id=\"faq-question-1792992766490\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Can a lender add penalties on top of interest if I miss a micro-EMI?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>For loans from regulated lenders, the Reserve Bank of India allows a flat penal charge on a missed payment but does not allow it to be added to interest and charged on again. Your loan agreement states the actual charge.<\/p>\n\n<\/div>\n<\/li>\n<li id=\"faq-question-1792992766491\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">What is a key fact statement in digital lending?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>It is a document that sets out the key terms and total cost of a digital loan in one place before you accept it. The Reserve Bank of India\u2019s Digital Lending Directions, 2025 cover it.<\/p>\n\n<\/div>\n<\/li>\n<li id=\"faq-question-1792992766492\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Where can I complain about a lender that collects micro-EMIs unfairly?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>For regulated lenders you can use the Reserve Bank of India\u2019s Complaint Management System. You can also report illegal lending through the Sachet portal.<\/p>\n\n<\/div>\n<\/li>\n<li id=\"faq-question-1792992766493\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Do missed micro-EMIs affect my credit score?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>They can, if the lender reports repayment data to credit bureaus, since payment history is one input to a credit score. Frequent due dates mean more chances for a missed payment to occur.<\/p>\n\n<\/div>\n<\/li>\n<\/ol>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Micro-EMIs are changing how small loans are repaid, making credit feel lighter\u2014but not always cheaper or safer.<\/p>\n","protected":false},"author":2,"featured_media":1010,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","rank_math_title":"Small Loans Being Split into Micro-EMIs | Billcut","rank_math_description":"Micro-EMIs are changing how small loans are repaid, making credit feel lighter\u2014but not always cheaper or safer.","rank_math_focus_keyword":"micro-EMIs","rank_math_primary_category":0},"categories":[157],"tags":[2696],"class_list":["post-13504","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-digital-lending-credit","tag-small-loans-split-into-micro-emis-india"],"_links":{"self":[{"href":"https:\/\/accelaronix.in\/blogs\/wp-json\/wp\/v2\/posts\/13504","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=13504"}],"version-history":[{"count":3,"href":"https:\/\/accelaronix.in\/blogs\/wp-json\/wp\/v2\/posts\/13504\/revisions"}],"predecessor-version":[{"id":17043,"href":"https:\/\/accelaronix.in\/blogs\/wp-json\/wp\/v2\/posts\/13504\/revisions\/17043"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/accelaronix.in\/blogs\/wp-json\/wp\/v2\/media\/1010"}],"wp:attachment":[{"href":"https:\/\/accelaronix.in\/blogs\/wp-json\/wp\/v2\/media?parent=13504"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/accelaronix.in\/blogs\/wp-json\/wp\/v2\/categories?post=13504"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/accelaronix.in\/blogs\/wp-json\/wp\/v2\/tags?post=13504"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}