{"id":52984,"date":"2026-02-27T18:31:35","date_gmt":"2026-02-27T13:01:35","guid":{"rendered":"https:\/\/www.tatacapital.com\/blog\/?p=52984"},"modified":"2026-03-23T16:52:45","modified_gmt":"2026-03-23T11:22:45","slug":"what-is-retail-loan","status":"publish","type":"post","link":"https:\/\/www.tatacapital.com\/blog\/loan-for-business\/what-is-retail-loan\/","title":{"rendered":"What is a retail loan? Meaning, features and benefits"},"content":{"rendered":"\n<p><\/p>\n\n\n\n<p>Suppose you suddenly need money to renovate your home, buy a car, or deal with an unexpected medical expense. What do you do next? One option is to reach out to friends or family, and hope help comes through. The other is to opt for a more structured route of applying for a <strong>retail loan<\/strong> with a bank or a <a href=\"https:\/\/www.tatacapital.com\/\">financial institution<\/a>.<\/p>\n\n\n\n<p>Retail loans cater specifically to personal financial requirements and are hence different from <a href=\"https:\/\/www.tatacapital.com\/business-loan.html\">business loans<\/a>. In this blog, you will explore the <strong>retail loan meaning<\/strong>, the common <strong>types of retail loans<\/strong> available in India, their key features, benefits, risks, eligibility criteria, retail loan examples, and more. Keep reading.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Understanding retail loans<\/strong><\/h2>\n\n\n\n<p>Let\u2019s start by understanding <strong>what a retail loan is<\/strong>. It refers to credit provided by banks, <a href=\"https:\/\/www.tatacapital.com\/blog\/generic\/non-banking-financial-institutions-what-is-it-and-how-does-it-operate\/\">Non-Banking Financial Corporations<\/a> (NBFCs), and Fintech lending platforms to help individuals meet various financial needs. These may include buying or renovating a home, upgrading a car, funding higher education, or even tackling a medical contingency.<\/p>\n\n\n\n<p>A <strong>retail loan<\/strong> typically involves a fixed sum of money that must be repaid over a pre-determined tenure, along with interest. The lender determines the loan amount and the rate of interest based on the borrower\u2019s monthly income, <a href=\"https:\/\/www.tatacapital.com\/check-credit-score.html\">credit score<\/a>, and employment stability, among other factors.<\/p>\n\n\n\n<p>Unlike business loans or corporate loans, which are taken by business owners and entrepreneurs to manage their <a href=\"https:\/\/www.tatacapital.com\/corporate\/working-capital-loan.html\">working capital requirements<\/a>, retail loans cater to individual borrowers. They can be salaried or self-employed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>How does a retail loan work?<\/strong><\/h2>\n\n\n\n<p>Here\u2019s a step-by-step depiction of how a <strong>retail loan<\/strong> works:<\/p>\n\n\n\n<ul>\n<li><strong>Loan application<\/strong>: First, you need to apply for a retail loan based on your precise financial requirements. The simplest way is to apply online.<\/li>\n\n\n\n<li><strong>Eligibility check<\/strong>: Once you apply for a retail loan, the lender evaluates your eligibility through some quick checks.<\/li>\n\n\n\n<li><strong>Loan amount &amp; tenure<\/strong>: Upon receiving the lender\u2019s approval, you can go ahead and select an appropriate loan amount and tenure. These parameters will directly influence your EMIs.<\/li>\n\n\n\n<li><strong>Disbursal<\/strong>: Once the formalities are completed, the lender disburses your loan amount directly to your bank account. In some cases, the loan amount is disbursed to a third-party seller.<\/li>\n\n\n\n<li><strong>Repayment<\/strong>: You repay the loan amount (along with interest) in Equated Monthly Installments (EMIs) over a pre-agreed tenure.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Key features of retail loans<\/strong><\/h2>\n\n\n\n<p>Most retail loans entail some common features. These include:<\/p>\n\n\n\n<ul>\n<li><strong>Loan amount<\/strong>: The loan amount typically depends on the <a href=\"https:\/\/www.tatacapital.com\/loans.html\">type of loan<\/a> and the purpose for which you are applying for a retail loan. It can be as low as Rs. 5,000 and as high as Rs. 5 crores.<\/li>\n\n\n\n<li><strong>Tenure<\/strong>: Loan tenure is the duration during which you need to pay your <a href=\"https:\/\/www.tatacapital.com\/blog\/personal-use-loan\/what-is-emi\/\">EMIs<\/a>. It depends on the loan amount and the loan type, and may range from 6 months to 20 years.<\/li>\n\n\n\n<li><strong>Interest rate<\/strong>: It is the rate at which interest is levied on your <a href=\"https:\/\/www.tatacapital.com\/blog\/personal-use-loan\/what-is-outstanding-loan-amount\/\">outstanding loan amount<\/a>. The interest rate is usually higher for unsecured loans and lower for secured loans.<\/li>\n\n\n\n<li><strong>Repayment options<\/strong>: The most common repayment option is EMIs. Some lenders offer flexible repayment options, such as <a href=\"https:\/\/www.tatacapital.com\/blog\/loan-for-business\/what-is-a-balloon-payment-and-how-is-it-calculated\/\">balloon repayments<\/a>, bullet repayments, etc.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Types of retail loans available<\/strong><\/h2>\n\n\n\n<p>Based on whether a borrower is providing collateral or not, a retail loan can be categorized as secured or unsecured. If a borrower is pledging an asset, such as a vehicle, property, or investment, it is known as a secured loan. In the <a href=\"https:\/\/www.tatacapital.com\/blog\/personal-use-loan\/5-consequences-you-may-face-if-you-are-defaulting-on-personal-loan\/\">case of non-payment or default<\/a>, the lender can seize this asset for loan recovery. On the flip side, if a retail loan doesn\u2019t include any collateral or security, it is known as an unsecured loan.<\/p>\n\n\n\n<p>Retail loans can be further classified into various types based on the financial need they are designed to address. The common types of <strong>retail loans in India<\/strong> include:<\/p>\n\n\n\n<ul>\n<li><strong>Personal loans<\/strong><\/li>\n<\/ul>\n\n\n\n<p><a href=\"https:\/\/www.tatacapital.com\/personal-loan.html\">Personal loans<\/a> are typically unsecured and have no end usage restriction. It means that the borrower can use it to meet diverse financial requirements, such as tackling a medical emergency, covering wedding expenses, or even planning a family vacation. The repayment tenures are usually shorter, ranging between 6 and 24 months. However, the interest rates are generally on the higher side as compared to secured loans.<\/p>\n\n\n\n<ul>\n<li><strong>Home loans<\/strong><\/li>\n<\/ul>\n\n\n\n<p>As the name suggests, <a href=\"https:\/\/www.tatacapital.com\/home-loan.html\">home loans<\/a> are primarily designed to provide financial assistance to individuals looking to purchase or construct a new home. These are secured loans, with the housing property itself acting as collateral. Since a home loan is a high-value loan, it generally comes with extended tenures of up to 30 years. The maximum loan amount and the interest rate depend on the property\u2019s market value and the borrower\u2019s credit profile.<\/p>\n\n\n\n<ul>\n<li><strong>Vehicle loans<\/strong><\/li>\n<\/ul>\n\n\n\n<p><a href=\"https:\/\/www.tatacapital.com\/vehicle-loan.html\">Vehicle loans<\/a> are designed to help borrowers buy a new vehicle, be it a car, two-wheeler, or any other mode of transport. Like a home loan, a vehicle loan is also secured by the vehicle it is meant to finance. However, the repayment tenures for vehicle loans are shorter, usually ranging between two and seven years. When an individual buys a vehicle using a vehicle loan, they get to retain the ownership benefits. Just that the vehicle remains hypothecated with the financier until the loan is repaid.<\/p>\n\n\n\n<ul>\n<li><strong>Education loans<\/strong><\/li>\n<\/ul>\n\n\n\n<p><a href=\"https:\/\/www.tatacapital.com\/education-loan.html\">Education loans<\/a> are typically given to students to help them finance their higher studies. It covers expenses such as tuition or university fees, accommodation charges, and study material costs. These loans come with flexible repayment options, with a facility of deferred payments. Since no physical collateral is involved, an education loan is an unsecured form of financing.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Benefits of taking a retail loan<\/strong><\/h2>\n\n\n\n<p>The most obvious benefit of taking a retail loan is that it allows you to buy an asset or tackle a financial emergency even if you do not have the required money in your bank account. You can fulfill your financial goal, and then repay the loan amount in EMIs, without disrupting your monthly budget.<\/p>\n\n\n\n<p>Another benefit of retail loans is that they are easily accessible. Most banks and NBFCs offer <strong>retail loans in India<\/strong> through online applications and minimal documentation. You can enjoy goal-based borrowing by applying from the comforts of your home or office.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Risks and responsibilities associated with retail loans<\/strong><\/h2>\n\n\n\n<p>While retail loans offer several advantages, it\u2019s crucial for you to borrow responsibly and remain aware of the potential risks before applying. Irresponsible borrowing can do more harm than good.<\/p>\n\n\n\n<p>These are some common risks associated with retail loans:<\/p>\n\n\n\n<ul>\n<li><strong>Interest burden<\/strong>: All retail loans include interest charges. These charges may increase your overall financial burden. Being aware of the interest implications can help you make smart borrowing decisions.<\/li>\n\n\n\n<li><strong>Repayment obligations<\/strong>: Availing of a retail loan means you are exposed to repayment obligations for a defined tenure. You must necessarily consider this obligation when preparing your monthly budget.<\/li>\n\n\n\n<li><strong>Credit score impact<\/strong>: Missed or delayed EMI payments can hurt your credit score severely. This may impact your chances of borrowing more loans in the future.<\/li>\n\n\n\n<li><strong>Overborrowing<\/strong>: Borrowing more than what you need can derail your entire financial planning. You can even lose your prized possessions if you fail to repay the loan amount.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Eligibility criteria for retail loans<\/strong><\/h2>\n\n\n\n<p>The eligibility criteria for retail loans depend heavily on the loan type. For secured loans, the criteria are a bit lenient. For unsecured loans, the criteria are strict. Usually, lenders evaluate the following factors to determine your loan eligibility:<\/p>\n\n\n\n<ul>\n<li><strong>Age<\/strong>: Your age must be between 21 and 60 years.<\/li>\n\n\n\n<li><strong>Employment stability<\/strong>: You must have a stable job or business.<\/li>\n\n\n\n<li><strong>Monthly income<\/strong>: Your monthly income should be at least Rs. 20,000.<\/li>\n\n\n\n<li><strong>Credit history<\/strong>: You must have a clean credit history with a credit score of 750 or more.<\/li>\n<\/ul>\n\n\n\n<p>Note that these eligibility guidelines are generic. The exact requirements may vary from one lending institution to another.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Documents required for a retail loan<\/strong><\/h2>\n\n\n\n<p>When you apply for a <strong>retail loan<\/strong>, you must submit certain documents to the lender. These documents are required to establish your eligibility for the loan. Some common documents required for <strong>retail loans include<\/strong>:<\/p>\n\n\n\n<ul>\n<li><strong>KYC documents<\/strong>: Basic <a href=\"https:\/\/www.tatacapital.com\/blog\/shubh-chintak\/ways-of-kyc-verification\/\">KYC documents<\/a> include your identity and address proof. They can be your PAN Card, Aadhaar Card, Voter\u2019s ID Card, Driving License, and Passport, among others.<\/li>\n\n\n\n<li><strong>Proof of income<\/strong>: If you are a salaried individual, you can submit your salary slips as proof of income. If you are self-employed, you can provide profit-loss statements or Income Tax Returns (ITRs).<\/li>\n\n\n\n<li><strong>Collateral papers<\/strong>: For secured loans, such as home loans and vehicle loans, you might also need to submit collateral papers. These can be your car\u2019s RC or your property\u2019s sale deed.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Things to consider before choosing a retail loan<\/strong><\/h2>\n\n\n\n<p>Here are a few things you must keep in mind when applying for a retail loan:<\/p>\n\n\n\n<ul>\n<li>Choose your loan tenure wisely. Opting for a longer tenure reduces your EMI burden, but increases your overall interest. Similarly, opting for a shorter tenure can lower your interest outgo but may result in higher EMIs. Look to achieve the right balance.<\/li>\n\n\n\n<li>Compare interest rates from multiple lenders before zeroing in on an option. Even a minor difference in interest rate can influence your overall repayment amount.<\/li>\n\n\n\n<li>Understand all associated charges carefully. These may include the processing charges, late payment charges, and pre-payment charges, among others. They can add up and increase your overall borrowing cost.<\/li>\n\n\n\n<li>Make sure to apply for a loan with a credible lender. Opt for a reputed bank or an NBFC with a proven track record, transparent policies, and robust customer support service.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>How to apply for a retail loan?<\/strong><\/h2>\n\n\n\n<p>You can apply for a retail loan online or offline. To apply offline, you can visit the lender\u2019s nearest branch and get in touch with one of the representatives. To apply online, you can follow these steps:<\/p>\n\n\n\n<ol start=\"1\">\n<li>Visit the lender\u2019s website and fill out an online loan application form. You can also download the lender\u2019s mobile app to apply for a loan.<\/li>\n<\/ol>\n\n\n\n<ol start=\"2\">\n<li>Upload the required documents. Make sure the documentation is complete and accurate. Discrepancies may lead to the rejection of your loan application.<\/li>\n<\/ol>\n\n\n\n<ol start=\"3\">\n<li>Wait for the lender to verify your loan eligibility. Once the verification process is complete, you will receive an approval message through text or email.<\/li>\n<\/ol>\n\n\n\n<ol start=\"4\">\n<li>Upon approval, the lender <a href=\"https:\/\/www.tatacapital.com\/blog\/personal-use-loan\/loan-disbursement\/\">disburses the loan<\/a> amount directly into your bank account or to a third-party seller.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Conclusion<\/strong><\/h2>\n\n\n\n<p>Retail loans have become an essential part of modern lives. They help you achieve your short-term and long-term financial goals even if you do not have the requisite finances upfront. You can take a loan, fulfill your goal, and repay the amount in monthly installments.<\/p>\n\n\n\n<p>At the same time, do remember that loans come with responsibilities. You must repay them in a disciplined manner. Failing to do so can hurt your credit score and impact your chances of availing of more loans in the future.<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Suppose you suddenly need money to renovate your home, buy a car, or deal with an unexpected medical expense. What do you do next? One option is to reach out to friends or family, and hope help comes through. The other is to opt for a more structured route of applying for a retail loan [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":53074,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[26],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What is a retail loan? Meaning, features &amp; benefits explained<\/title>\n<meta name=\"description\" content=\"Learn what a retail loan includes, how it works, its key features, types, and benefits. Understand eligibility and factors to consider before applying.\" \/>\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=\"What is a retail loan? Meaning, features &amp; benefits explained\" \/>\n<meta property=\"og:description\" content=\"Learn what a retail loan includes, how it works, its key features, types, and benefits. Understand eligibility and factors to consider before applying.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.tatacapital.com\/blog\/loan-for-business\/what-is-retail-loan\/\" \/>\n<meta property=\"og:site_name\" content=\"TATA Capital Blog\" \/>\n<meta property=\"article:published_time\" content=\"2026-02-27T13:01:35+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-23T11:22:45+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.tatacapital.com\/blog\/wp-content\/uploads\/2026\/02\/10.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1885\" \/>\n\t<meta property=\"og:image:height\" content=\"773\" \/>\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=\"8 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-business\/what-is-retail-loan\/\",\"url\":\"https:\/\/www.tatacapital.com\/blog\/loan-for-business\/what-is-retail-loan\/\",\"name\":\"What is a retail loan? Meaning, features & benefits explained\",\"isPartOf\":{\"@id\":\"https:\/\/www.tatacapital.com\/blog\/#website\"},\"datePublished\":\"2026-02-27T13:01:35+00:00\",\"dateModified\":\"2026-03-23T11:22:45+00:00\",\"author\":{\"@id\":\"https:\/\/www.tatacapital.com\/blog\/#\/schema\/person\/9cabfdd77865b3773bb08afb0169c58d\"},\"description\":\"Learn what a retail loan includes, how it works, its key features, types, and benefits. Understand eligibility and factors to consider before applying.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.tatacapital.com\/blog\/loan-for-business\/what-is-retail-loan\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.tatacapital.com\/blog\/loan-for-business\/what-is-retail-loan\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.tatacapital.com\/blog\/loan-for-business\/what-is-retail-loan\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.tatacapital.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"What is a retail loan? Meaning, features and benefits\"}]},{\"@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":"What is a retail loan? Meaning, features & benefits explained","description":"Learn what a retail loan includes, how it works, its key features, types, and benefits. Understand eligibility and factors to consider before applying.","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":"What is a retail loan? Meaning, features & benefits explained","og_description":"Learn what a retail loan includes, how it works, its key features, types, and benefits. Understand eligibility and factors to consider before applying.","og_url":"https:\/\/www.tatacapital.com\/blog\/loan-for-business\/what-is-retail-loan\/","og_site_name":"TATA Capital Blog","article_published_time":"2026-02-27T13:01:35+00:00","article_modified_time":"2026-03-23T11:22:45+00:00","og_image":[{"width":1885,"height":773,"url":"https:\/\/www.tatacapital.com\/blog\/wp-content\/uploads\/2026\/02\/10.jpg","type":"image\/jpeg"}],"author":"Tata Capital","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Tata Capital","Est. reading time":"8 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.tatacapital.com\/blog\/loan-for-business\/what-is-retail-loan\/","url":"https:\/\/www.tatacapital.com\/blog\/loan-for-business\/what-is-retail-loan\/","name":"What is a retail loan? Meaning, features & benefits explained","isPartOf":{"@id":"https:\/\/www.tatacapital.com\/blog\/#website"},"datePublished":"2026-02-27T13:01:35+00:00","dateModified":"2026-03-23T11:22:45+00:00","author":{"@id":"https:\/\/www.tatacapital.com\/blog\/#\/schema\/person\/9cabfdd77865b3773bb08afb0169c58d"},"description":"Learn what a retail loan includes, how it works, its key features, types, and benefits. Understand eligibility and factors to consider before applying.","breadcrumb":{"@id":"https:\/\/www.tatacapital.com\/blog\/loan-for-business\/what-is-retail-loan\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.tatacapital.com\/blog\/loan-for-business\/what-is-retail-loan\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.tatacapital.com\/blog\/loan-for-business\/what-is-retail-loan\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.tatacapital.com\/blog\/"},{"@type":"ListItem","position":2,"name":"What is a retail loan? Meaning, features and benefits"}]},{"@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\/2026\/02\/10.jpg","_links":{"self":[{"href":"https:\/\/www.tatacapital.com\/blog\/wp-json\/wp\/v2\/posts\/52984"}],"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=52984"}],"version-history":[{"count":1,"href":"https:\/\/www.tatacapital.com\/blog\/wp-json\/wp\/v2\/posts\/52984\/revisions"}],"predecessor-version":[{"id":52986,"href":"https:\/\/www.tatacapital.com\/blog\/wp-json\/wp\/v2\/posts\/52984\/revisions\/52986"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.tatacapital.com\/blog\/wp-json\/wp\/v2\/media\/53074"}],"wp:attachment":[{"href":"https:\/\/www.tatacapital.com\/blog\/wp-json\/wp\/v2\/media?parent=52984"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.tatacapital.com\/blog\/wp-json\/wp\/v2\/categories?post=52984"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.tatacapital.com\/blog\/wp-json\/wp\/v2\/tags?post=52984"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}