{"id":3054,"date":"2025-06-27T23:54:52","date_gmt":"2025-06-27T18:24:52","guid":{"rendered":"https:\/\/smartgyantips.in\/?p=3054"},"modified":"2025-06-28T00:42:21","modified_gmt":"2025-06-27T19:12:21","slug":"digital-fixed-deposit-india-2025","status":"publish","type":"post","link":"https:\/\/smartgyantips.in\/hi\/digital-fixed-deposit-india-2025\/","title":{"rendered":"2025 \u092e\u0947\u0902 \u092d\u093e\u0930\u0924\u0940\u092f \u092a\u0930\u093f\u0935\u093e\u0930\u094b\u0902 \u0915\u0940 \u0938\u092b\u0932\u0924\u093e \u0915\u093e \u0930\u093e\u091c: Digital Fixed Deposit \u0915\u093e \u0909\u091c\u094d\u091c\u094d\u0935\u0932 \u092d\u0935\u093f\u0937\u094d\u092f! \ud83c\udf1f"},"content":{"rendered":"<p>\u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u091c\u093e\u0917\u0930\u0942\u0915\u0924\u093e \u0924\u0947\u091c\u0940 \u0938\u0947 \u092c\u0922\u093c \u0930\u0939\u0940 \u0939\u0948\u0964 2025 \u092e\u0947\u0902, \u0921\u093f\u091c\u093f\u091f\u0932 \u0928\u093f\u0935\u0947\u0936 \u0928\u0947 \u092a\u093e\u0930\u0902\u092a\u0930\u093f\u0915 \u0924\u0930\u0940\u0915\u094b\u0902 \u0915\u094b \u092a\u0940\u091b\u0947 \u091b\u094b\u0921\u093c \u0926\u093f\u092f\u093e \u0939\u0948\u2014\u0914\u0930 <strong>Digital Fixed Deposit (FD)<\/strong> \u0907\u0938\u0915\u093e \u0938\u092c\u0938\u0947 \u0938\u0915\u093e\u0930\u093e\u0924\u094d\u092e\u0915 \u0909\u0926\u093e\u0939\u0930\u0923 \u0939\u0948\u0964 \u092f\u0939 \u0932\u0947\u0916 \u092a\u0930\u093f\u0935\u093e\u0930\u094b\u0902, \u092f\u0941\u0935\u093e \u091c\u094b\u0921\u093c\u094b\u0902 \u0914\u0930 \u0938\u0947\u0935\u093e\u0928\u093f\u0935\u0943\u0924\u094d\u0924\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u090f\u0915 \u092e\u091c\u092c\u0942\u0924, \u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u0914\u0930 \u0932\u093e\u092d\u0915\u093e\u0930\u0940 \u092c\u091a\u0924 \u0935\u093f\u0915\u0932\u094d\u092a \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u0938\u093e\u092e\u0928\u0947 \u0906\u092f\u093e \u0939\u0948\u0964<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\ud83d\udd0d 1. Digital FD: \u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u0914\u0930 \u0938\u0939\u091c<\/h2>\n\n\n\n<p>Digital FD \u0935\u0939 \u0939\u0948 \u091c\u094b \u0906\u092a \u0915\u0941\u091b \u0939\u0940 \u0915\u094d\u0932\u093f\u0915 \u092e\u0947\u0902 \u092c\u0948\u0902\u0915\u094b\u0902, NBFCs \u092f\u093e \u0928\u093f\u092f\u094b-\u092b\u093e\u0907\u0928\u0947\u0902\u0938 \u092a\u094d\u0932\u0947\u091f\u092b\u093c\u0949\u0930\u094d\u092e\u094d\u0938 \u0915\u0947 \u092e\u093e\u0927\u094d\u092f\u092e \u0938\u0947 \u0916\u094b\u0932 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u2014\u092a\u0942\u0930\u093e \u092a\u094d\u0930\u094b\u0938\u0947\u0938 <strong>\u0911\u0928\u0932\u093e\u0907\u0928<\/strong>, \u092c\u093f\u0928\u093e \u0936\u093e\u0916\u093e \u0926\u094c\u0921\u093c-\u092d\u093e\u0917 \u0915\u0947\u0964<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u2705 <strong>\u090a\u0901\u091a\u0940 \u0926\u0930\u0947\u0902<\/strong>: 6.5%\u20137.5% \u0924\u0915 \u2013 \u091c\u094b \u0921\u093f\u0938\u094d\u091f\u094d\u0930\u093f\u092c\u094d\u092f\u0942\u091f\u0947\u0921 \u0921\u0947\u092c\u094d\u091f \u0914\u0930 \u0921\u093f\u091c\u093f\u091f\u0932 \u090f\u091c\u0947\u0902\u091f\u094d\u0938 \u092a\u0930 \u0928\u093f\u0930\u094d\u092d\u0930 \u0915\u0930\u0924\u0940 \u0939\u0948\u0902\u0964<\/li>\n\n\n\n<li>\ud83d\udee1\ufe0f <strong>\u0938\u0930\u0915\u093e\u0930\u0940 \u0938\u0941\u0930\u0915\u094d\u0937\u093e<\/strong>: \u20b95\u202f\u0932\u093e\u0916 \u0924\u0915 \u0915\u0940 \u0938\u0940\u0932\u093f\u0902\u0917 \u0915\u0947 \u0938\u093e\u0925, \u092f\u0947 \u0928\u093f\u0935\u0947\u0936 <strong>\u0921\u0940\u0906\u0908\u0938\u0940\u091c\u0940\u090f\u0928<\/strong> \u0938\u0947 \u0938\u0902\u0930\u0915\u094d\u0937\u093f\u0924 \u0939\u0948\u0902\u0964<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">\ud83d\udca1 2. Entire Digital Journey, Zero Paperwork<\/h3>\n\n\n\n<p>\u092a\u0939\u091a\u093e\u0928 \u091c\u092e\u093e \u0915\u0930\u0947 via <strong>e-KYC\/Aadhaar OTP<\/strong>, \u092c\u093e\u0915\u0940 \u0938\u092c \u0915\u0941\u091b \u0911\u091f\u094b\u092e\u0948\u091f\u093f\u0915 \u0939\u094b\u0924\u093e \u0939\u0948:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0924\u093e\u0930\u0940\u0916 \u091a\u0941\u0928\u0947\u0902, \u0930\u093e\u0936\u093f \u0921\u093e\u0932\u0947\u0902, \u0921\u093f\u092a\u0949\u091c\u093f\u091f \u092c\u0928 \u0917\u092f\u093e!<\/li>\n\n\n\n<li>\u092a\u0930\u0935\u0930\u094d\u0924\u0940 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e\u090f\u0902 \u091c\u0948\u0938\u0947 \u0930\u0940\u0928\u094d\u092f\u0942\u0905\u0932 \u092f\u093e premature withdrawal\u2014<strong>\u0915\u0908 \u0910\u092a \u092a\u0930 \u090f\u0915 \u091f\u0948\u092a \u091c\u0930\u0942\u0930\u0948<\/strong>\u0964<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">\ud83d\ude80 3. Smart Auto-Renewal \u0914\u0930 Sweep-in Options<\/h3>\n\n\n\n<p>\u0905\u0927\u093f\u0915\u0924\u0930 \u0921\u093f\u091c\u093f\u091f\u0932 FD \u092a\u094d\u0932\u0947\u091f\u092b\u093c\u0949\u0930\u094d\u092e \u0938\u094d\u092e\u093e\u0930\u094d\u091f \u092b\u0940\u091a\u0930\u094d\u0938 \u092a\u0947\u0936 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Auto-Renewal<\/strong>: \u0905\u0935\u0927\u093f \u0916\u0924\u094d\u092e \u0939\u094b\u0928\u0947 \u092a\u0930 FD \u0926\u094b\u092c\u093e\u0930\u093e \u092c\u0928 \u091c\u093e\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>Sweep-in\/out<\/strong>: \u0905\u0917\u0930 \u0906\u092a\u0915\u0940 \u092c\u091a\u0924 \u0916\u093e\u0924\u093e \u092c\u0948\u0932\u0947\u0902\u0938 \u0915\u092e \u0939\u094b \u091c\u093e\u090f \u0924\u094b FD \u0938\u0947 \u092a\u0948\u0938\u0947 \u0924\u0941\u0930\u0902\u0924 \u0928\u093f\u0915\u093e\u0932\u0947 \u091c\u093e \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u2014\u090f\u0915 \u0932\u093f\u0915\u094d\u0935\u093f\u0921 \u090f\u0938\u0947\u091f \u0915\u0940 \u0924\u0930\u0939\u0964<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">\ud83c\udf31 4. Financial Planning \u0915\u0947 \u0932\u093f\u090f \u090f\u0915 \u092e\u091c\u092c\u0942\u0924 \u0906\u0927\u093e\u0930<\/h3>\n\n\n\n<p>Digital FD \u0907\u0938\u094d\u0924\u0947\u092e\u093e\u0932 \u0915\u0930\u0928\u0947 \u0935\u093e\u0932\u0940 \u0906\u092c\u093e\u0926\u0940 \u092e\u0947\u0902 2025 \u092e\u0947\u0902 30% \u0915\u0940 \u0935\u0943\u0926\u094d\u0927\u093f \u0939\u0941\u0908 \u0939\u0948 [^1]\u0964<br>\u092f\u0947 \u092c\u091a\u0924 \u0915\u093e \u0938\u092c\u0938\u0947 \u0935\u094d\u092f\u093e\u0935\u0939\u093e\u0930\u093f\u0915 \u0924\u0930\u0940\u0915\u093e \u0939\u0948, \u0916\u093e\u0938\u0915\u0930:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u092c\u091a\u094d\u091a\u094b\u0902 \u0915\u0940 \u0936\u093f\u0915\u094d\u0937\u093e<\/li>\n\n\n\n<li>\u0915\u094b\u0908 \u092c\u0921\u093c\u093e \u0916\u0930\u094d\u091a (\u091c\u0948\u0938\u0947 \u0936\u093e\u0926\u0940 \u092f\u093e \u0918\u0930 \u0915\u0940 \u092e\u0930\u092e\u094d\u092e\u0924)<\/li>\n\n\n\n<li>\u0907\u092e\u0930\u091c\u0947\u0902\u0938\u0940 \u092b\u0902\u0921 \u092c\u0928\u093e\u0928\u093e<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">\ud83e\udde0 5. Smart FD Recommendations by AI<\/h3>\n\n\n\n<p>Some fintech apps now suggest FD maturity amounts based on your goals:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0909\u0926\u093e\u0939\u0930\u0923: \u201c\u0905\u0917\u0930 \u0906\u092a\u2026 \u20b950\u202f\u0939\u091c\u093c\u093e\u0930 \u0939\u0930 \u0938\u093e\u0932 FD \u092e\u0947\u0902 \u0932\u0917\u093e\u0924\u0947 \u0939\u0948\u0902, \u0924\u094b 5 \u0938\u093e\u0932 \u092e\u0947\u0902 \u20b93.5\u202f\u0932\u093e\u0916 \u0939\u094b \u091c\u093e\u090f\u0902\u0917\u0947\u201d<\/li>\n\n\n\n<li>\u092f\u0939 AI-backed \u092a\u094d\u0932\u093e\u0928\u093f\u0902\u0917 \u092c\u091a\u094d\u091a\u094b\u0902 \u0915\u0940 \u091f\u094d\u092f\u0942\u0936\u0928 \u092b\u0940\u0938 \u092f\u093e \u091f\u0948\u0915\u094d\u0938 \u0938\u0947\u0935\u093f\u0902\u0917 \u0915\u0947 \u0932\u093f\u090f \u092d\u0940 \u0909\u092a\u092f\u0941\u0915\u094d\u0924 \u0939\u0948\u0964<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h4 class=\"wp-block-heading\">\ud83d\udcca 6. Tax Optimization with Tax-Saver FDs<\/h4>\n\n\n\n<p>Tax-saving FD (5 \u0938\u093e\u0932) \u0935\u093e\u092a\u0938 \u0906\u0924\u093e \u0939\u0948 <strong>Section 80C<\/strong> \u092e\u0947\u0902\u2014\u0938\u093e\u0932\u093e\u0928\u093e \u20b91.5\u202f\u0932\u093e\u0916 \u0924\u0915 \u0915\u0940 \u091b\u0942\u091f\u0964<br>\u092a\u0930, \u0905\u0917\u0930 \u0906\u092a \u091b\u094b\u091f\u0940 \u0905\u0935\u0927\u093f \u0915\u0947 \u0932\u093f\u090f \u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924, \u0909\u091a\u094d\u200d\u091a \u092c\u094d\u092f\u093e\u091c \u091a\u093e\u0939\u0924\u0947 \u0939\u0948\u0902, \u0924\u094b Non-tax FD \u092d\u0940 \u092c\u0947\u0939\u0924\u0930 \u0930\u0939\u0924\u093e \u0939\u0948\u0964<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h5 class=\"wp-block-heading\">\ud83c\udfe6 7. Start Small, Grow Big<\/h5>\n\n\n\n<p>Digital FD \u0915\u094b \u092e\u0939\u091c \u20b95,000 \u0938\u0947 \u092d\u0940 \u0936\u0941\u0930\u0942 \u0915\u093f\u092f\u093e \u091c\u093e \u0938\u0915\u0924\u093e \u0939\u0948\u0964<br>\u0910\u0938\u0940 \u092f\u094b\u091c\u0928\u093e \u092e\u0947\u0902:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0936\u0941\u0930\u0941\u0906\u0924 \u20b95,000\u2013\u20b910,000 \u0938\u0947 \u0936\u0941\u0930\u0942 \u0915\u0930\u0947\u0902<\/li>\n\n\n\n<li>\u092b\u093f\u0930 \u0939\u0930 \u092e\u0939\u0940\u0928\u0947 \u0925\u094b\u0921\u093c\u093e \u091c\u094b\u0921\u093c\u0947\u0902<\/li>\n\n\n\n<li>\u092e\u0939\u0940\u0928\u094b\u0902 \u092e\u0947\u0902 \u0906\u092a\u0915\u0940 \u0930\u093e\u0936\u093f \u0939\u091c\u093c\u093e\u0930\u094b\u0902 \u092e\u0947\u0902 \u092c\u0922\u093c \u091c\u093e\u090f\u0917\u0940!<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h5 class=\"wp-block-heading\">\ud83e\udde0 \u0935\u093f\u0936\u0947\u0937\u091c\u094d\u091e Quote:<\/h5>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\u201cDigital FD \u0928\u0947 \u092a\u093e\u0930\u0902\u092a\u0930\u093f\u0915 FD \u0938\u0947 \u0905\u0917\u0932\u093e \u092e\u0941\u0915\u093e\u092e \u092c\u0928\u093e\u092f\u093e \u0939\u0948\u2014\u092f\u0939 \u0924\u0947\u091c, \u0938\u0941\u0935\u093f\u0927\u093e\u091c\u0928\u0915 \u0914\u0930 \u092f\u0941\u0935\u093e-\u0926\u094b\u0938\u094d\u0924\u093e\u0928\u093e \u0939\u094b \u0917\u092f\u093e \u0939\u0948\u0964\u201d<br>\u2013 \u0927\u0928 \u0938\u0902\u091a\u092f \u0935\u093f\u0936\u0947\u0937\u091c\u094d\u091e \u0921\u0949. \u0930\u0940\u092e\u093e \u0930\u093e\u0935<\/p>\n<\/blockquote>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h5 class=\"wp-block-heading\">\ud83d\udccc Tip:<\/h5>\n\n\n\n<p>\u092f\u0926\u093f \u0906\u092a Monthly Income \u091a\u093e\u0939 \u0930\u0939\u0947 \u0939\u0948\u0902, \u0924\u094b \u0910\u0938\u0947 FD \u091a\u0941\u0928\u0947\u0902 \u091c\u093f\u0928\u092e\u0947\u0902 <strong>quarterly interest payout<\/strong> \u0939\u094b\u0964<br>\u092f\u0926\u093f \u0906\u092a Long-term Wealth \u092c\u0928\u093e\u0928\u093e \u091a\u093e\u0939\u0924\u0947 \u0939\u0948\u0902, \u0924\u094b <strong>compounded annual interest FD<\/strong> \u092c\u0947\u0939\u0924\u0930 \u0939\u094b\u0924\u093e \u0939\u0948\u0964<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h6 class=\"wp-block-heading\">\u26a0\ufe0f Warning:<\/h6>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0936\u0941\u0930\u0941\u0906\u0924 small \u0930\u0916\u0947\u0902\u2014\u092c\u093e\u0926 \u092e\u0947\u0902 \u092c\u0921\u093c\u093e \u0915\u0930\u0947\u0902\u0964<\/li>\n\n\n\n<li>Multiple CDs \u0916\u094b\u0932\u0928\u0947 \u0938\u0947 maturity dates confuse \u0928 \u0939\u094b\u0902\u0964<\/li>\n<\/ul>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list\">\n<div id=\"faq-question-1751051345487\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question\">Q1: \u0915\u094d\u092f\u093e \u092e\u0948\u0902 Digital FD \u092e\u094b\u092c\u093e\u0907\u0932 \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u092a\u0930 \u0916\u094b\u0932 \u0938\u0915\u0924\u093e \u0939\u0942\u0901?<\/h3>\n<div class=\"rank-math-answer\">\n\n<p><strong>A:<\/strong> \u0939\u093e\u0901! \u0938\u092d\u0940 \u092a\u094d\u0930\u092e\u0941\u0916 \u092c\u0948\u0902\u0915 \u0914\u0930 \u0915\u0941\u091b NBFC apps \u091c\u0948\u0938\u0947 Paytm Money, Groww, SBI \u092e\u0947\u0902 \u0907\u0938\u0947 \u0915\u0941\u091b \u092e\u093f\u0928\u091f\u094b\u0902 \u092e\u0947\u0902 \u0916\u094b\u0932\u093e \u091c\u093e \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1751051363056\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question\">Q2: \u0915\u094d\u092f\u093e \u092e\u0941\u091d\u0947 FD to sweep-in \u0915\u0947 \u0932\u093f\u090f \u0915\u094b\u0908 \u091a\u093e\u0930\u094d\u091c \u0926\u0947\u0928\u093e \u092a\u0921\u093c\u0924\u093e \u0939\u0948?<\/h3>\n<div class=\"rank-math-answer\">\n\n<p><strong>A:<\/strong> \u0928\u0939\u0940\u0902\u0964 \u0915\u093e\u0930\u094d\u091c \u092c\u093f\u0928\u093e \u092b\u0940 \u0914\u0930 \u0924\u0941\u0930\u0902\u0924 \u0939\u094b\u0924\u0947 \u0939\u0948\u0902\u2014\u0915\u0941\u091b \u092c\u0948\u0902\u0915 \u0907\u0938\u0947 Transaction \u0915\u0940 \u0924\u0930\u0939 treat \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1751051375534\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question\">Q3: \u0915\u094d\u092f\u093e \u0926\u093f\u0935\u0902\u0917\u0924 \u0935\u094d\u092f\u0915\u094d\u0924\u093f \u0915\u093e FD \u0928\u0915\u0926 \u0928\u093f\u0915\u093e\u0932\u093e \u091c\u093e \u0938\u0915\u0924\u093e \u0939\u0948?<\/h3>\n<div class=\"rank-math-answer\">\n\n<p><strong>A:<\/strong> \u0939\u093e\u0901\u2014Nominee-Digital procedure \u0939\u094b\u0924\u093e \u0939\u0948, \u0938\u0940\u0927\u0947 nominee \u0916\u093e\u0924\u0947 \u092e\u0947\u0902 \u092a\u0948\u0938\u0947 \u091f\u094d\u0930\u093e\u0902\u0938\u092b\u0930 \u0939\u094b \u091c\u093e\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>\u091c\u093e\u0928\u093f\u090f \u0915\u0948\u0938\u0947 2025 \u092e\u0947\u0902 Digital Fixed Deposit (FD) \u092d\u093e\u0930\u0924\u0940\u092f \u092a\u0930\u093f\u0935\u093e\u0930\u094b\u0902 \u0915\u0947 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u092d\u0935\u093f\u0937\u094d\u092f \u0915\u094b \u092e\u091c\u092c\u0942\u0924 \u092c\u0928\u093e \u0930\u0939\u093e \u0939\u0948\u2014\u0906\u0938\u093e\u0928 \u0938\u094d\u091f\u0947\u092a\u094d\u0938, \u0909\u091a\u094d\u091a \u092c\u094d\u092f\u093e\u091c \u0926\u0930\u0947\u0902 \u0914\u0930 \u0938\u0930\u0932 \u0928\u093f\u0935\u0947\u0936 \u0930\u0923\u0928\u0940\u0924\u093f\u092f\u093e\u0901\u0964<\/p>","protected":false},"author":1,"featured_media":3065,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_kadence_starter_templates_imported_post":false,"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"footnotes":""},"categories":[2],"tags":[228,229,227,230],"class_list":["post-3054","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-money-finance","tag-digital-fd-india-2025","tag-family-finance-tips","tag-fixed-deposit-benefits","tag-high-interest-savings"],"_links":{"self":[{"href":"https:\/\/smartgyantips.in\/hi\/wp-json\/wp\/v2\/posts\/3054","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/smartgyantips.in\/hi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/smartgyantips.in\/hi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/smartgyantips.in\/hi\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/smartgyantips.in\/hi\/wp-json\/wp\/v2\/comments?post=3054"}],"version-history":[{"count":5,"href":"https:\/\/smartgyantips.in\/hi\/wp-json\/wp\/v2\/posts\/3054\/revisions"}],"predecessor-version":[{"id":3066,"href":"https:\/\/smartgyantips.in\/hi\/wp-json\/wp\/v2\/posts\/3054\/revisions\/3066"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/smartgyantips.in\/hi\/wp-json\/wp\/v2\/media\/3065"}],"wp:attachment":[{"href":"https:\/\/smartgyantips.in\/hi\/wp-json\/wp\/v2\/media?parent=3054"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/smartgyantips.in\/hi\/wp-json\/wp\/v2\/categories?post=3054"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/smartgyantips.in\/hi\/wp-json\/wp\/v2\/tags?post=3054"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}