{"id":47170,"date":"2024-12-16T20:58:43","date_gmt":"2024-12-16T15:28:43","guid":{"rendered":"https:\/\/www.tatacapital.com\/blog\/?p=47170"},"modified":"2026-01-16T13:22:23","modified_gmt":"2026-01-16T07:52:23","slug":"annual-value-of-house-property","status":"publish","type":"post","link":"https:\/\/www.tatacapital.com\/blog\/loan-for-home\/annual-value-of-house-property\/","title":{"rendered":"What is the annual value of house property?"},"content":{"rendered":"\n<p><\/p>\n\n\n\n<p>The annual value of a house property means the notional or actual income generated from a property within a year, whether rented out or left vacant. Even if a house is self-occupied or vacant, a notional value is assigned for the tax calculation according to your country\u2019s laws.<\/p>\n\n\n\n<p>The annual value is typically the higher of:<\/p>\n\n\n\n<ul>\n<li>The actual rent received or receivable if the property is rented out.<\/li>\n\n\n\n<li>The reasonable expected rent reflects what the property could earn based on market conditions.<\/li>\n<\/ul>\n\n\n\n<p>This concept ensures property owners are taxed relatively, whether earning rental income or using the property themselves.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Factors determining the annual value of property<\/h2>\n\n\n\n<p>To define the annual value accurately, you must be aware of the factors determining it:<\/p>\n\n\n\n<ul>\n<li><strong>Municipal valuation:<\/strong> The value assessed by local authorities for levying property tax provides a base for estimating expected rent.<\/li>\n\n\n\n<li><strong>Fair market rent:<\/strong> The rent a similar property can fetch in the same locality helps determine a reasonable annual value.<\/li>\n\n\n\n<li><strong>Standard rent (Rent Control Act):<\/strong> For rent-controlled properties, the annual value cannot exceed the standard rent prescribed.<\/li>\n\n\n\n<li><strong>Actual rent received or receivable:<\/strong> If the property is let out, the actual rent earned is a key factor.<\/li>\n\n\n\n<li><strong>Property usage and occupancy:<\/strong> Whether the property is self-occupied, let out, vacant, or deemed let out affects its annual value.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">How is the annual value calculated?<\/h2>\n\n\n\n<p>Here\u2019s how to calculate the annual value of your property:<\/p>\n\n\n\n<ol>\n<li><strong>Gross Annual Value (GAV):<\/strong><\/li>\n<\/ol>\n\n\n\n<p>This is the starting point. It\u2019s determined by comparing:<\/p>\n\n\n\n<ul>\n<li>The rent you receive or could receive.<\/li>\n\n\n\n<li>The fair market value of the property.<\/li>\n\n\n\n<li>The standard rent, if rent control laws apply.<\/li>\n<\/ul>\n\n\n\n<p>The highest of these values becomes the Gross Annual Value.<\/p>\n\n\n\n<ol start=\"2\">\n<li><strong>Municipal taxes paid:<\/strong><\/li>\n<\/ol>\n\n\n\n<p>If you have paid municipal taxes, such as property taxes, you can subtract that from the Gross Annual Value (GAV) to arrive at the Net Annual Value (NAV).<\/p>\n\n\n\n<p><strong>Special scenarios<\/strong><\/p>\n\n\n\n<ol>\n<li><strong>Self-occupied properties:<\/strong><\/li>\n<\/ol>\n\n\n\n<p>If you live in the property, its annual value is considered zero. However, you can\u2019t claim deductions for municipal taxes in this case.<\/p>\n\n\n\n<ol start=\"2\">\n<li><strong>Vacant properties:<\/strong><\/li>\n<\/ol>\n\n\n\n<p>If the property still lies vacant after you try to let it out, the annual value is based on the rent you could reasonably have earned.<\/p>\n\n\n\n<ol start=\"3\">\n<li><strong>Deemed let-out properties:<\/strong><\/li>\n<\/ol>\n\n\n\n<p>If you have more than one self-occupied house, only one is considered self-occupied. The rest are treated as let out, and their annual value is calculated according to market conditions.<\/p>\n\n\n\n<ol start=\"4\">\n<li><strong>Partially let-out properties:<\/strong><\/li>\n<\/ol>\n\n\n\n<p>If you rent out a property for part of the year and use it yourself for the rest, the annual value of the property is calculated based on the rent received during the rental period.<\/p>\n\n\n\n<ol start=\"5\">\n<li><strong>Let-out property:<\/strong><\/li>\n<\/ol>\n\n\n\n<p>If you have let out a property, the annual value is calculated as the higher of expected rent and the actual rent received or receivable during the financial year.&nbsp;<\/p>\n\n\n\n<p><strong>Also Read-<\/strong>\u00a0 <a href=\"https:\/\/www.tatacapital.com\/blog\/loan-for-home\/why-is-buying-a-house-considered-a-good-investment\/\">Is buying a house a good investment for long-term value?<\/a>\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><br>Tax deductions you can claim<\/h2>\n\n\n\n<p>After calculating the annual value, you can claim deductions so that your taxable income is reduced:<\/p>\n\n\n\n<ol>\n<li><strong>Standard deduction:<\/strong><\/li>\n<\/ol>\n\n\n\n<p>A flat deduction of 30% on the Net Annual Value is allowed to cover maintenance costs, regardless of your actual expenses.<\/p>\n\n\n\n<ol start=\"2\">\n<li><strong>Interest on home loan:<\/strong><\/li>\n<\/ol>\n\n\n\n<ul>\n<li>For self-occupied properties, homeowners are eligible for a deduction of up to Rs. 2 lakhs on the interest paid for a <a href=\"https:\/\/www.tatacapital.com\/home-loan.html\">home loan<\/a>.<\/li>\n\n\n\n<li>For let-out properties, there\u2019s no upper limit on the interest deduction.<\/li>\n<\/ul>\n\n\n\n<ol start=\"3\">\n<li><strong>Municipal taxes paid:<\/strong><\/li>\n<\/ol>\n\n\n\n<p>These are fully deductible from the Gross Annual Value.<\/p>\n\n\n\n<ol start=\"4\">\n<li><strong>Pre-construction interest:<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Interest paid during the pre-construction period is allowed as a deduction in five equal annual installments. However, you are eligible for the deduction after the construction is completed or the property is acquired.<\/p>\n\n\n\n<ol start=\"5\">\n<li><strong>Additional interest deduction<\/strong><\/li>\n<\/ol>\n\n\n\n<ul>\n<li>Section 80E provides an additional deduction of up to Rs. 50,000 on <a href=\"https:\/\/www.tatacapital.com\/home-loan\/rates-and-charges.html\">home loan interest<\/a> for first-time homebuyers, if they secured the loan between 1 April 2016 and 31 March 2017.<\/li>\n\n\n\n<li>You can claim an additional interest deduction of Rs. 1.5 lakh under Section 80EEA for eligible affordable housing loans if you borrowed the loan between 1 April 2019 and 1 April 2022.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ol start=\"6\">\n<li><strong>Principal repayment of a home loan<\/strong><\/li>\n<\/ol>\n\n\n\n<p>The principal component of a home loan repaid during the year is eligible for deduction under Section 80C, up to the overall limit of Rs. 1.5 lakh.<\/p>\n\n\n\n<p><strong>Also Read-<\/strong>\u00a0 <a href=\"https:\/\/www.tatacapital.com\/blog\/loan-for-home\/loan-for-buying-plot-heres-all-you-need-to-know\/\">Loan for Buying Plot: Here\u2019s All You Need to Know!<br><br><\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Why does the annual value matter?<\/h2>\n\n\n\n<p>Understanding what is the annual value of a house property is vital for several reasons:<\/p>\n\n\n\n<ol>\n<li><strong>Tax planning:<\/strong><\/li>\n<\/ol>\n\n\n\n<p>It helps you figure out your tax liability and take advantage of deductions. A clear understanding of the annual value of property allows you to optimize tax outgo and avoid surprises at the time of filing returns.<\/p>\n\n\n\n<ol start=\"2\">\n<li><strong>Rental income assessment:<\/strong><\/li>\n<\/ol>\n\n\n\n<p>If you\u2019re renting out your property, knowing the annual rental value of the house property ensures you set a competitive rent that aligns with the market. It also helps you estimate your taxable rental income and assess whether the rent received is reasonable.<\/p>\n\n\n\n<ol start=\"3\">\n<li><strong>Compliance:<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Properly calculating the annual value keeps you on the right side of tax laws and reduces the risk of penalties. It ensures that income from house property is correctly reported on your tax return.<\/p>\n\n\n\n<ol start=\"4\">\n<li><strong>Investment decisions:<\/strong><\/li>\n<\/ol>\n\n\n\n<p>If you\u2019re considering buying or <a href=\"https:\/\/www.tatacapital.com\/loan-against-property.html\">lending against property<\/a>, knowing its potential annual value can guide your decisions. You can compare different property investment options more effectively.&nbsp;<\/p>\n\n\n\n<ol start=\"5\">\n<li><strong>Property tax calculation:&nbsp;<\/strong><\/li>\n<\/ol>\n\n\n\n<p>The annual value of a property helps local authorities estimate property taxes. Thus, if you know this value, you can understand how much you\u2019re expected to pay.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Common mistakes to avoid<\/h2>\n\n\n\n<p>Even though the concept sounds straightforward, mistakes can happen:<\/p>\n\n\n\n<ol>\n<li><strong>Overlooking vacancies:<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Forgetting to account for periods when the property is vacant can result in an inflated annual value.<\/p>\n\n\n\n<ol start=\"2\">\n<li><strong>Claiming incorrect deductions:<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Deducting expenses not allowed under tax laws, like personal repairs, can lead to disputes.<\/p>\n\n\n\n<ol start=\"3\">\n<li><strong>Misclassifying properties:<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Treating a deemed let-out property as self-occupied could attract penalties.<\/p>\n\n\n\n<ol start=\"4\">\n<li><strong>Underreporting rent:<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Declaring less rent than you received might invite scrutiny.<\/p>\n\n\n\n<ol start=\"5\">\n<li><strong>Treating the second property as self-occupied:<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Only one property is eligible to be treated as self-occupied with zero value.&nbsp;<\/p>\n\n\n\n<ol start=\"6\">\n<li><strong>Not going through municipal valuation:<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Review property tax records for transparency and correctness.&nbsp;<\/p>\n\n\n\n<p><strong>Also Read- <\/strong><a href=\"https:\/\/www.tatacapital.com\/blog\/loan-for-home\/to-buy-or-to-rent-the-eternal-dilemma\/\">Renting vs buying a house in India: Pros and cons<br><br><\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Documents required for a loan against property<\/h2>\n\n\n\n<p>When applying for a loan, it\u2019s essential to have all the <a href=\"https:\/\/www.tatacapital.com\/loan-against-property\/documents-required.html\">loan against property documents required<\/a> ready to ensure a seamless process. These generally include:<\/p>\n\n\n\n<ul>\n<li><strong>Identity proof:<\/strong> Aadhaar card, PAN card, passport, or voter ID.<\/li>\n\n\n\n<li><strong>Address proof:<\/strong> Utility bills, passport, or driving license.<\/li>\n\n\n\n<li><strong>Income proof:<\/strong> Salary slips, IT returns, or bank statements.<\/li>\n\n\n\n<li><strong>Property documents:<\/strong> Sale deed, property tax receipts, and encumbrance certificate.<\/li>\n\n\n\n<li><strong>Other documents:<\/strong> Loan application form and recent passport-size photographs.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Conclusion<\/h2>\n\n\n\n<p>Answering the question \u201cWhat is the annual value of house property?\u201d is essential for managing your taxes and financial planning. By understanding how it\u2019s calculated and the deductions you can claim, you can optimize your finances and stay tax-compliant. Whether you own one home or several, being informed helps you make better decisions.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The annual value of a house property means the notional or actual income generated from a property within a year, whether rented out or left vacant. Even if a house is self-occupied or vacant, a notional value is assigned for the tax calculation according to your country\u2019s laws. The annual value is typically the higher [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":47175,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[25],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Annual value of house property: Complete guide | Tata Capital<\/title>\n<meta name=\"description\" content=\"Learn how to calculate the annual value of house property, understand taxation rules, and avoid common filing mistakes. Get a clear and simple guide with Tata Capital.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Annual value of house property: Complete guide | Tata Capital\" \/>\n<meta property=\"og:description\" content=\"Learn how to calculate the annual value of house property, understand taxation rules, and avoid common filing mistakes. Get a clear and simple guide with Tata Capital.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.tatacapital.com\/blog\/loan-for-home\/annual-value-of-house-property\/\" \/>\n<meta property=\"og:site_name\" content=\"TATA Capital Blog\" \/>\n<meta property=\"article:published_time\" content=\"2024-12-16T15:28:43+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-01-16T07:52:23+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.tatacapital.com\/blog\/wp-content\/uploads\/2024\/12\/Annual-Value-of-House-Property_shutterstock_2034692849-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1920\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Tata Capital\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Tata Capital\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.tatacapital.com\/blog\/loan-for-home\/annual-value-of-house-property\/\",\"url\":\"https:\/\/www.tatacapital.com\/blog\/loan-for-home\/annual-value-of-house-property\/\",\"name\":\"Annual value of house property: Complete guide | Tata Capital\",\"isPartOf\":{\"@id\":\"https:\/\/www.tatacapital.com\/blog\/#website\"},\"datePublished\":\"2024-12-16T15:28:43+00:00\",\"dateModified\":\"2026-01-16T07:52:23+00:00\",\"author\":{\"@id\":\"https:\/\/www.tatacapital.com\/blog\/#\/schema\/person\/9cabfdd77865b3773bb08afb0169c58d\"},\"description\":\"Learn how to calculate the annual value of house property, understand taxation rules, and avoid common filing mistakes. Get a clear and simple guide with Tata Capital.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.tatacapital.com\/blog\/loan-for-home\/annual-value-of-house-property\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.tatacapital.com\/blog\/loan-for-home\/annual-value-of-house-property\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.tatacapital.com\/blog\/loan-for-home\/annual-value-of-house-property\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.tatacapital.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"What is the annual value of house property?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.tatacapital.com\/blog\/#website\",\"url\":\"https:\/\/www.tatacapital.com\/blog\/\",\"name\":\"TATA Capital Blog\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.tatacapital.com\/blog\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.tatacapital.com\/blog\/#\/schema\/person\/9cabfdd77865b3773bb08afb0169c58d\",\"name\":\"Tata Capital\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.tatacapital.com\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/e6d1af28ad6acd84628462f05f415cf2?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/e6d1af28ad6acd84628462f05f415cf2?s=96&d=mm&r=g\",\"caption\":\"Tata Capital\"},\"url\":\"https:\/\/www.tatacapital.com\/blog\/author\/tata-capital\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Annual value of house property: Complete guide | Tata Capital","description":"Learn how to calculate the annual value of house property, understand taxation rules, and avoid common filing mistakes. Get a clear and simple guide with Tata Capital.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"og_locale":"en_US","og_type":"article","og_title":"Annual value of house property: Complete guide | Tata Capital","og_description":"Learn how to calculate the annual value of house property, understand taxation rules, and avoid common filing mistakes. Get a clear and simple guide with Tata Capital.","og_url":"https:\/\/www.tatacapital.com\/blog\/loan-for-home\/annual-value-of-house-property\/","og_site_name":"TATA Capital Blog","article_published_time":"2024-12-16T15:28:43+00:00","article_modified_time":"2026-01-16T07:52:23+00:00","og_image":[{"width":2560,"height":1920,"url":"https:\/\/www.tatacapital.com\/blog\/wp-content\/uploads\/2024\/12\/Annual-Value-of-House-Property_shutterstock_2034692849-scaled.jpg","type":"image\/jpeg"}],"author":"Tata Capital","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Tata Capital","Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.tatacapital.com\/blog\/loan-for-home\/annual-value-of-house-property\/","url":"https:\/\/www.tatacapital.com\/blog\/loan-for-home\/annual-value-of-house-property\/","name":"Annual value of house property: Complete guide | Tata Capital","isPartOf":{"@id":"https:\/\/www.tatacapital.com\/blog\/#website"},"datePublished":"2024-12-16T15:28:43+00:00","dateModified":"2026-01-16T07:52:23+00:00","author":{"@id":"https:\/\/www.tatacapital.com\/blog\/#\/schema\/person\/9cabfdd77865b3773bb08afb0169c58d"},"description":"Learn how to calculate the annual value of house property, understand taxation rules, and avoid common filing mistakes. Get a clear and simple guide with Tata Capital.","breadcrumb":{"@id":"https:\/\/www.tatacapital.com\/blog\/loan-for-home\/annual-value-of-house-property\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.tatacapital.com\/blog\/loan-for-home\/annual-value-of-house-property\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.tatacapital.com\/blog\/loan-for-home\/annual-value-of-house-property\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.tatacapital.com\/blog\/"},{"@type":"ListItem","position":2,"name":"What is the annual value of house property?"}]},{"@type":"WebSite","@id":"https:\/\/www.tatacapital.com\/blog\/#website","url":"https:\/\/www.tatacapital.com\/blog\/","name":"TATA Capital Blog","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.tatacapital.com\/blog\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/www.tatacapital.com\/blog\/#\/schema\/person\/9cabfdd77865b3773bb08afb0169c58d","name":"Tata Capital","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.tatacapital.com\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/e6d1af28ad6acd84628462f05f415cf2?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/e6d1af28ad6acd84628462f05f415cf2?s=96&d=mm&r=g","caption":"Tata Capital"},"url":"https:\/\/www.tatacapital.com\/blog\/author\/tata-capital\/"}]}},"featured_image_url":"https:\/\/www.tatacapital.com\/blog\/wp-content\/uploads\/2024\/12\/Annual-Value-of-House-Property_shutterstock_2034692849-scaled.jpg","_links":{"self":[{"href":"https:\/\/www.tatacapital.com\/blog\/wp-json\/wp\/v2\/posts\/47170"}],"collection":[{"href":"https:\/\/www.tatacapital.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.tatacapital.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.tatacapital.com\/blog\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/www.tatacapital.com\/blog\/wp-json\/wp\/v2\/comments?post=47170"}],"version-history":[{"count":3,"href":"https:\/\/www.tatacapital.com\/blog\/wp-json\/wp\/v2\/posts\/47170\/revisions"}],"predecessor-version":[{"id":52628,"href":"https:\/\/www.tatacapital.com\/blog\/wp-json\/wp\/v2\/posts\/47170\/revisions\/52628"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.tatacapital.com\/blog\/wp-json\/wp\/v2\/media\/47175"}],"wp:attachment":[{"href":"https:\/\/www.tatacapital.com\/blog\/wp-json\/wp\/v2\/media?parent=47170"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.tatacapital.com\/blog\/wp-json\/wp\/v2\/categories?post=47170"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.tatacapital.com\/blog\/wp-json\/wp\/v2\/tags?post=47170"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}