{"id":11074,"date":"2025-11-03T06:50:18","date_gmt":"2025-11-03T06:50:18","guid":{"rendered":"https:\/\/www.legalserviceindia.com\/Legal-Articles\/?p=11074"},"modified":"2025-11-03T06:56:21","modified_gmt":"2025-11-03T06:56:21","slug":"unregulated-risks-how-unsecured-loans-undermine-financial-institutions","status":"publish","type":"post","link":"https:\/\/www.legalserviceindia.com\/Legal-Articles\/unregulated-risks-how-unsecured-loans-undermine-financial-institutions\/","title":{"rendered":"Unregulated Risks: How Unsecured Loans Undermine Financial Institutions?"},"content":{"rendered":"<h2 id=\"introduction\"><span class=\"ez-toc-section\" id=\"Introduction\"><\/span>Introduction<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Unsecured loans include personal loans, credit card loans, education loans, business loans and so on. These are basically those loans where credit facilities are provided without requiring any physical collateral from the borrower. It contradicts the traditional concept of secured loans, which are guaranteed by some specific assets like real estate or automobile and provide protection from loss to lender in events where borrower defaults on their payment.<\/p><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_83 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #0c0c0c;color:#0c0c0c\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #0c0c0c;color:#0c0c0c\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.legalserviceindia.com\/Legal-Articles\/unregulated-risks-how-unsecured-loans-undermine-financial-institutions\/#Introduction\" >Introduction<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.legalserviceindia.com\/Legal-Articles\/unregulated-risks-how-unsecured-loans-undermine-financial-institutions\/#Benefits_of_Unsecured_Loans\" >Benefits of Unsecured Loans<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.legalserviceindia.com\/Legal-Articles\/unregulated-risks-how-unsecured-loans-undermine-financial-institutions\/#Drawbacks_of_Unsecured_Loans\" >Drawbacks of Unsecured Loans<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.legalserviceindia.com\/Legal-Articles\/unregulated-risks-how-unsecured-loans-undermine-financial-institutions\/#Preference_for_Unsecured_Loans\" >Preference for Unsecured Loans<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.legalserviceindia.com\/Legal-Articles\/unregulated-risks-how-unsecured-loans-undermine-financial-institutions\/#Unsecured_Loan_Trends_in_India\" >Unsecured Loan Trends in India<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.legalserviceindia.com\/Legal-Articles\/unregulated-risks-how-unsecured-loans-undermine-financial-institutions\/#Why_Unsecured_Lending_Poses_Concerns\" >Why Unsecured Lending Poses Concerns?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.legalserviceindia.com\/Legal-Articles\/unregulated-risks-how-unsecured-loans-undermine-financial-institutions\/#Role_Of_CIBIL\" >Role Of CIBIL<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.legalserviceindia.com\/Legal-Articles\/unregulated-risks-how-unsecured-loans-undermine-financial-institutions\/#CIBIL_Score_Range\" >CIBIL Score Range<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.legalserviceindia.com\/Legal-Articles\/unregulated-risks-how-unsecured-loans-undermine-financial-institutions\/#Other_Evaluation_Factors_For_Unsecured_Loans\" >Other Evaluation Factors For Unsecured Loans<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.legalserviceindia.com\/Legal-Articles\/unregulated-risks-how-unsecured-loans-undermine-financial-institutions\/#Legal_Actions_In_Case_Of_Default\" >Legal Actions In Case Of Default<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.legalserviceindia.com\/Legal-Articles\/unregulated-risks-how-unsecured-loans-undermine-financial-institutions\/#Remedies_Available_for_BanksNBFCs\" >Remedies Available for Banks\/NBFCs<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.legalserviceindia.com\/Legal-Articles\/unregulated-risks-how-unsecured-loans-undermine-financial-institutions\/#Direct_Recovery_Actions\" >Direct Recovery Actions<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.legalserviceindia.com\/Legal-Articles\/unregulated-risks-how-unsecured-loans-undermine-financial-institutions\/#Provisioning_and_Write-offs\" >Provisioning and Write-offs<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.legalserviceindia.com\/Legal-Articles\/unregulated-risks-how-unsecured-loans-undermine-financial-institutions\/#Dispute_Resolution_Tribunals_DRTs\" >Dispute Resolution Tribunals (DRTs)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.legalserviceindia.com\/Legal-Articles\/unregulated-risks-how-unsecured-loans-undermine-financial-institutions\/#Lien\" >Lien<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.legalserviceindia.com\/Legal-Articles\/unregulated-risks-how-unsecured-loans-undermine-financial-institutions\/#One-Time_Settlement_OTS\" >One-Time Settlement (OTS)<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/www.legalserviceindia.com\/Legal-Articles\/unregulated-risks-how-unsecured-loans-undermine-financial-institutions\/#Concluding_Remark_%E2%80%94_A_Way_Forward\" >Concluding Remark \u2014 A Way Forward<\/a><\/li><\/ul><\/nav><\/div>\n\n<h3 id=\"benefits-of-unsecured-loans\"><span class=\"ez-toc-section\" id=\"Benefits_of_Unsecured_Loans\"><\/span>Benefits of Unsecured Loans<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>From the borrower&#8217;s perspective, unsecured loans present many perks, such as:<\/p>\n<ul>\n<li>Quicker approval process of loan<\/li>\n<li>Elimination of collateral<\/li>\n<\/ul>\n<h3 id=\"drawbacks-of-unsecured-loans\"><span class=\"ez-toc-section\" id=\"Drawbacks_of_Unsecured_Loans\"><\/span>Drawbacks of Unsecured Loans<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>But there is a catch, these loans typically carry higher interest rates and often have shorter repayment terms compared to secured loans.<\/p>\n<h3 id=\"preference-for-unsecured-loans\"><span class=\"ez-toc-section\" id=\"Preference_for_Unsecured_Loans\"><\/span>Preference for Unsecured Loans<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Generally, individuals who lack tangible asset for collateral, prefer to avail the facility of unsecure loans.<\/p>\n<h3 id=\"unsecured-loan-trends-india\"><span class=\"ez-toc-section\" id=\"Unsecured_Loan_Trends_in_India\"><\/span>Unsecured Loan Trends in India<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>In India unsecured loans accounted for 25.3% of total loan given by Commercial Banks (CBs) in year 2024 from about 18% in year 2016. As the trend of rising unsecured loan borrowings continues, it is evident that increasing incomes and growing consumption affect borrowing whilst aggressive fintech models demand almost no documentation and verification from borrowers. These gaps expose borrowers to the risk of being exploited by fraudsters.<\/p>\n<table>\n<thead>\n<tr>\n<th>Year<\/th>\n<th>Share of Unsecured Loans (Commercial Banks)<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>2016<\/td>\n<td>18%<\/td>\n<\/tr>\n<tr>\n<td>2024<\/td>\n<td>25.3%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2 id=\"why-unsecured-lending-poses-concerns\"><span class=\"ez-toc-section\" id=\"Why_Unsecured_Lending_Poses_Concerns\"><\/span>Why Unsecured Lending Poses Concerns?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Banks and financial institutions only evaluate limited factors before approval of unsecured loans. Since these loans lack collateral\/securities, banks are heavily relied on creditworthiness of borrowers. This creditworthiness is determined by Credit Information Bureau India Limited. CIBIL (CIBIL) was founded in the year 2000 on recommendations of RBI Siddiqui Committee whose main objective to formalise reporting of credit in India. In year 2017 TransUnion (a U.S based credit bureau) acquired 92.1% stake in CIBIL and rebranding it as TransUnion CIBIL as we know today.<\/p>\n<h3 id=\"role-of-cibil\"><span class=\"ez-toc-section\" id=\"Role_Of_CIBIL\"><\/span>Role Of CIBIL<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The main function is to maintain and credit records of individuals and businesses, and provide Credit Information Reports (CIR) to lenders for assessment of risk. CIR contains CIBIL Score, which is basically a 3-digit number ranging from 300 to 900 which reflects creditworthiness of borrowers, where a score above 700 is generally considered as good credit score whereas a score below 500 indicates higher risk for creditors and which ultimately leads to rejections of loan applications.<\/p>\n<h3 id=\"cibil-score-range\"><span class=\"ez-toc-section\" id=\"CIBIL_Score_Range\"><\/span>CIBIL Score Range<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<table border=\"1\" cellspacing=\"0\" cellpadding=\"6\">\n<tbody>\n<tr>\n<th>Score Range<\/th>\n<th>Interpretation<\/th>\n<\/tr>\n<tr>\n<td>300\u2013500<\/td>\n<td>High risk for creditors, loan likely to be rejected<\/td>\n<\/tr>\n<tr>\n<td>500\u2013700<\/td>\n<td>Moderate creditworthiness<\/td>\n<\/tr>\n<tr>\n<td>700\u2013900<\/td>\n<td>Generally considered good credit score<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>According to new RBI guidelines credit information companies like TransUnion CIBIL are mandated to update credit data of borrowers every 15 days. However, sometimes due to wrong reporting by Banks\/NBFCs, CIBIL Score may show outdated or erroneous data. There is also a lack of transparency in scoring CIBIL Score because CIBIL\u2019s exact scoring formula is undisclosed, making it difficult for borrowers to strategically improve their scores, which creates a sense of anxiety and distrust in the financial system.<\/p>\n<h3 id=\"additional-factors\"><span class=\"ez-toc-section\" id=\"Other_Evaluation_Factors_For_Unsecured_Loans\"><\/span>Other Evaluation Factors For Unsecured Loans<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Banks\/NBFCs evaluate other factors as well before giving unsecured loans, which can provide some information about current financial condition of borrower but gives not guarantee regarding their creditworthiness.<\/p>\n<ul>\n<li>For salaried workers banks\/NBFCs may ask for their salary slip (a document that details of an employee\u2019s earning and deductions) of last 3 months.<\/li>\n<li>Creditors generally prefer giving loans to those applicants engaged in working for MNCs, government jobs, or any established corporates due to their perceived job stability.<\/li>\n<li>For self-employed borrowers Banks\/NBFCs can ask for their latest income tax report (which shows taxable income for the given fiscal year) and account statement of borrower.<\/li>\n<li>For example, SMFG India Credit (a renowned NBFC) gives loans to those businesses who are at least three years old.<\/li>\n<\/ul>\n<h3 id=\"legal-actions-default\"><span class=\"ez-toc-section\" id=\"Legal_Actions_In_Case_Of_Default\"><\/span>Legal Actions In Case Of Default<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>In cases where a borrower defaults their payment banks\/NBFCs may try to initiate criminal proceedings against borrowers if there is evidence of fraudulent intent or willful default under Section 318 of The Bhartiya Nyaya Sanhita (BNS), which deal with cheating and, under Section 316 of The Bhartiya Nyaya Sanhita, which deals with criminal breach of trust. According to a Supreme Court\u2019s (SC) judgement in Lalit Chaturvedi &amp; Ors. Vs State of Uttar Pradesh, it was explicitly held that criminal complaint cannot be filed in civil cases, and matters related to loan defaults falls within the ambit of civil cases.<\/p>\n<p>Therefore, resorting to litigation would only escalate the situation and cause undue strain on resources for both parties. Also, the duration of these proceedings generally range from few months to several years and these are the reasons why banks and NBFCs refrain from initiating criminal proceedings against borrowers.<\/p>\n<h2 id=\"remedies-available-for-banks-nbfcs\"><span class=\"ez-toc-section\" id=\"Remedies_Available_for_BanksNBFCs\"><\/span>Remedies Available for Banks\/NBFCs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>When a borrower defaults on an unsecured loan, banks and Non-Banking Financial Companies (NBFCs) in India have several provisions, which are primarily focused on recovery efforts and mitigating bank losses. These remedies are as follows:<\/p>\n<h3 id=\"direct-recovery-actions\"><span class=\"ez-toc-section\" id=\"Direct_Recovery_Actions\"><\/span>Direct Recovery Actions<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li>The initial step for a bank or NBFC is to issue a notice of default to the borrower once EMIs are not repaid beyond a stipulated timeline.<\/li>\n<li>They can also send recovery agents to reclaim the unpaid amount, but these agents must adhere to Reserve Bank of India\u2019s (RBI) Fair Practice Code, which strictly prohibits them from calling outside 7 AM to 7 PM and must respect borrower\u2019s privacy.<\/li>\n<li>Lenders can also report late or missing payments to credit reporting companies, which can cause harm to borrower\u2019s credit score.<\/li>\n<\/ul>\n<h3 id=\"provisioning-and-write-offs\"><span class=\"ez-toc-section\" id=\"Provisioning_and_Write-offs\"><\/span>Provisioning and Write-offs<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>All banks are required to make some provisions for potential credit loss. In India, there is a sharp increase in trend of write-offs within private sector banks, particularly for unsecured loans.<\/p>\n<table border=\"1\" cellpadding=\"6\">\n<tbody>\n<tr>\n<th>Bank<\/th>\n<th>Financial Year<\/th>\n<th>Amount Written Off<\/th>\n<\/tr>\n<tr>\n<td>State Bank of India (SBI)<\/td>\n<td>2023-2024<\/td>\n<td>Rs. 16,161 crore<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>These write-offs are considered as the actual losses incurred by a bank.<\/p>\n<h3 id=\"drts\"><span class=\"ez-toc-section\" id=\"Dispute_Resolution_Tribunals_DRTs\"><\/span>Dispute Resolution Tribunals (DRTs)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Established under The Recovery of Debts and Bankruptcy Act, 1993 (RDBA Act), is a quasi-judicial body that deals with recovery of debts owed to banks, financial institutions, asset-reconstruction companies and other notified lenders.<\/p>\n<ul>\n<li>DRT handles those cases where the outstanding amount is 20 lakh or more.<\/li>\n<li>After hearing both sides, the Tribunal will issue a Recovery Certificate (RC) which states the exact amount due to lender (principal + interest + costs).<\/li>\n<li>Any party not satisfied by the DRT\u2019s order can appeal to the Debt Recovery Appellate Tribunal (DRAT) within 30 days of order passed by DRT.<\/li>\n<\/ul>\n<h3 id=\"lien\"><span class=\"ez-toc-section\" id=\"Lien\"><\/span>Lien<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li>A lien is a legal right of lenders over borrower assets if borrower fails to repay the debt.<\/li>\n<li>The bank can enforce lien to recover the owed amount after giving reasonable notice.<\/li>\n<li>The bank has a general lien on all money and securities of customer\u2019s accounts.<\/li>\n<li>Accounts under lien are frozen for withdrawals but deposits are allowed.<\/li>\n<\/ul>\n<h3 id=\"one-time-settlement\"><span class=\"ez-toc-section\" id=\"One-Time_Settlement_OTS\"><\/span>One-Time Settlement (OTS)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li>Offered where a borrower demonstrates genuine financial distress (e.g., job loss, business loss, medical emergencies).<\/li>\n<li>The borrower must prove no intention of fraud and that default arose due to unforeseen difficulty.<\/li>\n<li>OTS adversely affects credit score \u2014 loan status changes to \u201cSettled\u201d and remains for up to 5 years.<\/li>\n<li>Borrower may later upgrade \u201cSettled\u201d to \u201cClosed\u201d only by paying the waived amount in full.<\/li>\n<\/ul>\n<h2 id=\"concluding-remark\"><span class=\"ez-toc-section\" id=\"Concluding_Remark_%E2%80%94_A_Way_Forward\"><\/span>Concluding Remark \u2014 A Way Forward<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The rapid expansion of unsecured loans, particularly by NBFCs and private banks in India, presents a significant and evolving area of systemic vulnerability within the financial system. This term &#8220;loophole&#8221; is not in the sense of an explicit legal void, but rather a dynamic interaction of underlying attributes of the product such as lack of collateral, ease of access; market incentives such as search for yield in low-interest environments; and lack of regulatory adaptation. The limited recovery prospects for unsecured loans, further amplifies the potential for substantial loss of capital for lenders.<\/p>\n<p>Therefore, there is a need for implementing such policies that are not just reactive in nature but proactively countercyclical. Lenders from now onwards should try to adopt forward-looking, data-driven, and borrower-centric measures which can prevent today\u2019s unsecured-lending boom from later transforming into tomorrow\u2019s systemic burst. It can be achieved by enhancing credit bureau data sharing and promoting financial literacy among general public.<\/p>\n<p>Simultaneously, a nationwide financial-literacy campaign, should be held by banks and NBFCs which informs people about the risks involved over taking short term debts. The long-term health of the financial system depends on its ability to manage the inherent risks of unsecured credit before they translate into broader systemic crises.<\/p>\n<p><b>Written By:<\/b><\/p>\n<ul>\n<li><b>Raj Jaiswal &amp;<\/b><\/li>\n<li><b>Prateek Shahi<\/b><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Introduction Unsecured loans include personal loans, credit card loans, education loans, business loans and so on. These are basically those loans where credit facilities are provided without requiring any physical collateral from the borrower. It contradicts the traditional concept of secured loans, which are guaranteed by some specific assets like real estate or automobile and<\/p>\n","protected":false},"author":660,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_bbp_topic_count":0,"_bbp_reply_count":0,"_bbp_total_topic_count":0,"_bbp_total_reply_count":0,"_bbp_voice_count":0,"_bbp_anonymous_reply_count":0,"_bbp_topic_count_hidden":0,"_bbp_reply_count_hidden":0,"_bbp_forum_subforum_count":0,"two_page_speed":[],"_jetpack_memberships_contains_paid_content":false,"_joinchat":[],"footnotes":""},"categories":[7],"tags":[28],"class_list":{"0":"post-11074","1":"post","2":"type-post","3":"status-publish","4":"format-standard","6":"category-banking-finance-laws","7":"tag-top-news"},"jetpack_featured_media_url":"","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/www.legalserviceindia.com\/Legal-Articles\/wp-json\/wp\/v2\/posts\/11074","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.legalserviceindia.com\/Legal-Articles\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.legalserviceindia.com\/Legal-Articles\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.legalserviceindia.com\/Legal-Articles\/wp-json\/wp\/v2\/users\/660"}],"replies":[{"embeddable":true,"href":"https:\/\/www.legalserviceindia.com\/Legal-Articles\/wp-json\/wp\/v2\/comments?post=11074"}],"version-history":[{"count":0,"href":"https:\/\/www.legalserviceindia.com\/Legal-Articles\/wp-json\/wp\/v2\/posts\/11074\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.legalserviceindia.com\/Legal-Articles\/wp-json\/wp\/v2\/media?parent=11074"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.legalserviceindia.com\/Legal-Articles\/wp-json\/wp\/v2\/categories?post=11074"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.legalserviceindia.com\/Legal-Articles\/wp-json\/wp\/v2\/tags?post=11074"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}