{"id":29699,"date":"2025-01-30T11:13:19","date_gmt":"2025-01-30T05:43:19","guid":{"rendered":"https:\/\/edunovations.com\/currentaffairs\/?p=29699"},"modified":"2025-01-30T11:13:59","modified_gmt":"2025-01-30T05:43:59","slug":"effectivenessdiscover-how-indian-banks-are-reevaluating-recovery-strategies-due-to-declining-ibc-effectiveness","status":"publish","type":"post","link":"https:\/\/edunovations.com\/currentaffairs\/banking\/effectivenessdiscover-how-indian-banks-are-reevaluating-recovery-strategies-due-to-declining-ibc-effectiveness\/","title":{"rendered":"IBC Effectiveness Declines: Banks Rethink Recovery Strategies and Embrace Technology"},"content":{"rendered":"\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_84 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: #999;color:#999\" 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: #999;color:#999\" 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 ' ><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/edunovations.com\/currentaffairs\/banking\/effectivenessdiscover-how-indian-banks-are-reevaluating-recovery-strategies-due-to-declining-ibc-effectiveness\/#Banks_Reevaluate_Recovery_Strategies_as_IBC_Effectiveness_Declines\" >Banks Reevaluate Recovery Strategies as IBC Effectiveness Declines<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/edunovations.com\/currentaffairs\/banking\/effectivenessdiscover-how-indian-banks-are-reevaluating-recovery-strategies-due-to-declining-ibc-effectiveness\/#Why_this_News_is_Important\" >Why this News is Important<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/edunovations.com\/currentaffairs\/banking\/effectivenessdiscover-how-indian-banks-are-reevaluating-recovery-strategies-due-to-declining-ibc-effectiveness\/#Historical_Context_Background_Information_on_the_IBC\" >Historical Context: Background Information on the IBC<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/edunovations.com\/currentaffairs\/banking\/effectivenessdiscover-how-indian-banks-are-reevaluating-recovery-strategies-due-to-declining-ibc-effectiveness\/#Key_Takeaways_from_%E2%80%9CBanks_Reevaluate_Recovery_Strategies_as_IBC_Effectiveness_Declines%E2%80%9D\" >Key Takeaways from &#8220;Banks Reevaluate Recovery Strategies as IBC Effectiveness Declines&#8221;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/edunovations.com\/currentaffairs\/banking\/effectivenessdiscover-how-indian-banks-are-reevaluating-recovery-strategies-due-to-declining-ibc-effectiveness\/#Important_FAQs_for_Students_from_this_News\" >Important FAQs for Students from this News<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/edunovations.com\/currentaffairs\/banking\/effectivenessdiscover-how-indian-banks-are-reevaluating-recovery-strategies-due-to-declining-ibc-effectiveness\/#Some_Important_Current_Affairs_Links\" >Some Important Current Affairs Links<\/a><\/li><\/ul><\/nav><\/div>\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Banks_Reevaluate_Recovery_Strategies_as_IBC_Effectiveness_Declines\"><\/span><strong>Banks Reevaluate Recovery Strategies as IBC Effectiveness Declines<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Introduction: A Shift in Recovery Strategies<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In recent times, Indian banks have been facing challenges in recovering stressed loans, particularly as the effectiveness of the Insolvency and Bankruptcy Code (IBC) has shown signs of decline. The IBC was introduced in 2016 to expedite the resolution of stressed assets and improve recovery. However, a growing number of cases have been delayed, prompting banks to reassess their recovery strategies.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>The Declining Effectiveness of the IBC<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The Insolvency and Bankruptcy Code (IBC) was expected to streamline the resolution process for non-performing assets (NPAs) and provide a framework for debtors and creditors to reach settlements. Despite initial success, the resolution process under IBC has been slowing down in recent years. Long delays in the process, lack of adequate infrastructure, and litigation issues have hampered the overall effectiveness. As a result, banks are now looking for alternative ways to recover their dues, including out-of-court settlements, restructuring, and improving their risk assessment models.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Banks&#8217; Shift Toward Alternative Recovery Methods<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Due to the declining success rate of IBC proceedings, banks have begun to explore other recovery mechanisms. These alternatives include debt restructuring, improved monitoring of accounts from the outset, and greater reliance on technology and artificial intelligence (AI) for early warning systems. Banks are also considering more amicable approaches, such as negotiating settlements outside the courts, rather than relying solely on IBC.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>The Role of Technology in Recovery<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">One of the key elements banks are focusing on is the use of technology to improve loan recovery. By leveraging AI and data analytics, banks are able to better predict defaults and identify at-risk accounts earlier in the loan cycle. This allows them to take preemptive measures, reducing the overall risk of bad loans. Furthermore, the use of technology allows banks to better streamline processes and reduce manual efforts, ultimately improving efficiency.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Conclusion: Adapting to the New Reality<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As IBC&#8217;s effectiveness continues to decline, Indian banks are adapting by diversifying their strategies for recovering stressed loans. The shift toward alternative recovery mechanisms and greater integration of technology is expected to enhance their ability to manage non-performing assets in a more efficient manner. Going forward, banks will need to continuously innovate and adjust their recovery frameworks to align with evolving economic conditions.<\/p>\n\n\n<div class=\"wp-block-image IBC effectiveness in India\">\n<figure class=\"aligncenter size-full is-resized\" id=\"IBC-effectiveness-in-India\"><img decoding=\"async\" width=\"300\" height=\"168\" src=\"https:\/\/edunovations.com\/currentaffairs\/wp-content\/uploads\/2025\/01\/IBC-effectiveness-in-India.jpg\" alt=\"IBC effectiveness in India\" class=\"wp-image-29724\" style=\"width:738px;height:auto\" title=\"\"><figcaption class=\"wp-element-caption\">IBC effectiveness in India<\/figcaption><\/figure>\n<\/div>\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why_this_News_is_Important\"><\/span>Why this News is Important<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>The Declining Effectiveness of the IBC<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This news is crucial for students preparing for government exams as it highlights significant developments in the banking sector. The Insolvency and Bankruptcy Code (IBC) was once hailed as a transformative reform to tackle NPAs, which have been a significant concern for Indian banks. As its effectiveness declines, it signals the need for banks to adopt new strategies, which will influence the country&#8217;s financial stability.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Understanding this shift is essential for those preparing for banking and financial sector-related exams, as it reflects the current dynamics of banking operations and economic reforms. For students aiming for positions in the Reserve Bank of India (RBI), State Bank of India (SBI), or other banking institutions, this article sheds light on the evolving regulatory and recovery landscape.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Moreover, the integration of technology and artificial intelligence in the recovery process is an essential topic for future banking professionals. It illustrates how digital innovation is transforming traditional banking operations, which is a key focus area in exams related to the banking sector.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>The Broader Economic Implications<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The news also holds broader significance for students preparing for civil services exams like IAS. The performance of the banking sector directly influences India&#8217;s economic health. A stable banking system is vital for economic growth, as it affects credit flow, investment, and overall economic confidence. An understanding of how IBC\u2019s declining effectiveness might impact the economy will help students analyze and answer questions related to India&#8217;s financial system in their exams.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Historical_Context_Background_Information_on_the_IBC\"><\/span>Historical Context: Background Information on the IBC<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The <strong>Insolvency and Bankruptcy Code (IBC)<\/strong> was enacted in 2016 as a comprehensive insolvency law aimed at resolving corporate debt defaults in India. It replaced numerous outdated laws related to insolvency and provided a uniform framework for insolvency proceedings. Prior to the introduction of IBC, the resolution of corporate defaults was marred by prolonged delays and a lack of transparency. The IBC sought to fast-track the resolution process, allowing creditors to recover their dues in a timely manner.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Under the IBC, the resolution process for insolvent companies was designed to be completed within 180 days, with a potential extension of 90 days. The law&#8217;s primary goal was to improve the ease of doing business in India, which was essential for attracting both domestic and international investors.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">However, as the number of cases under IBC increased, the effectiveness of the system began to decline. Delays in resolution processes and increased litigation have contributed to this decline. Banks are now forced to rethink their strategies and find alternative mechanisms to recover non-performing assets, reducing their reliance on the IBC.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Key_Takeaways_from_%E2%80%9CBanks_Reevaluate_Recovery_Strategies_as_IBC_Effectiveness_Declines%E2%80%9D\"><\/span>Key Takeaways from &#8220;Banks Reevaluate Recovery Strategies as IBC Effectiveness Declines&#8221;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Serial No.<\/th><th>Key Takeaway<\/th><\/tr><\/thead><tbody><tr><td>1<\/td><td>The Insolvency and Bankruptcy Code (IBC) was introduced in 2016 to streamline the resolution of stressed loans in India.<\/td><\/tr><tr><td>2<\/td><td>Despite initial success, IBC\u2019s effectiveness has declined due to delays in case resolutions, lack of infrastructure, and litigation issues.<\/td><\/tr><tr><td>3<\/td><td>Banks are shifting towards alternative recovery methods, including debt restructuring, out-of-court settlements, and better monitoring of loans.<\/td><\/tr><tr><td>4<\/td><td>Technology, particularly Artificial Intelligence (AI) and data analytics, is playing a crucial role in improving early warning systems and risk management for banks.<\/td><\/tr><tr><td>5<\/td><td>The shift away from IBC highlights a broader need for financial institutions to adapt and innovate their recovery strategies to manage non-performing assets effectively.<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">IBC effectiveness in India<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Important_FAQs_for_Students_from_this_News\"><\/span>Important FAQs for Students from this News<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Q1. What is the Insolvency and Bankruptcy Code (IBC)?<\/strong><br><strong>A1.<\/strong> The Insolvency and Bankruptcy Code (IBC) is a legal framework introduced in 2016 in India to address the growing issue of non-performing assets (NPAs). It provides a time-bound mechanism for the resolution of insolvency cases, aiming to streamline the process for both corporate debtors and creditors.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Q2. Why are Indian banks rethinking their recovery strategies?<\/strong><br><strong>A2.<\/strong> Banks are reconsidering their recovery strategies due to the declining effectiveness of the IBC. The delays and complications in the resolution process, along with legal challenges, have prompted banks to explore alternative methods such as out-of-court settlements and debt restructuring to recover stressed loans.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Q3. How is technology being used in loan recovery by banks?<\/strong><br><strong>A3.<\/strong> Banks are utilizing technologies like Artificial Intelligence (AI) and data analytics to improve loan recovery. These technologies help in early detection of potential loan defaults, allowing banks to intervene early and reduce the risk of bad loans, making the recovery process more efficient.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Q4. What are the alternative recovery mechanisms being considered by banks?<\/strong><br><strong>A4.<\/strong> Apart from relying on the IBC, banks are considering debt restructuring, enhanced monitoring of loans, and amicable out-of-court settlements as alternative recovery methods. These strategies are intended to bypass the prolonged legal proceedings associated with IBC and speed up the recovery process.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Q5. How does the decline in IBC effectiveness affect the broader economy?<\/strong><br><strong>A5.<\/strong> The effectiveness of IBC directly impacts the stability of the banking sector, which in turn affects the overall economy. If banks struggle to recover bad loans efficiently, it could lead to tighter credit availability, impacting businesses and consumers. This slowdown can hinder economic growth and investor confidence.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Some_Important_Current_Affairs_Links\"><\/span>Some Important Current Affairs Links<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-outline is-style-outline--1\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/edunovations.com\/currentaffairs\/category\/national\/\" target=\"_blank\" rel=\"noreferrer noopener\">State Current Affairs<\/a><\/div>\n\n\n\n<div class=\"wp-block-button is-style-outline is-style-outline--2\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/edunovations.com\/currentaffairs\/category\/sports\/\" target=\"_blank\" rel=\"noreferrer noopener\">Sports Current Affairs<\/a><\/div>\n\n\n\n<div class=\"wp-block-button is-style-outline is-style-outline--3\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/edunovations.com\/currentaffairs\/category\/international\/\" target=\"_blank\" rel=\"noreferrer noopener\">International Current Affairs<\/a><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/edunovations.com\/currentaffairs\/category\/banking\/\" target=\"_blank\" rel=\"noreferrer noopener\">Banking Current Affairs<\/a><\/div>\n\n\n\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/edunovations.com\/currentaffairs\/category\/railway\/\" target=\"_blank\" rel=\"noreferrer noopener\">Railways Current Affairs<\/a><\/div>\n\n\n\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/edunovations.com\/currentaffairs\/category\/defence\/\" target=\"_blank\" rel=\"noreferrer noopener\">Defence Current Affairs<\/a><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-outline is-style-outline--4\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/edunovations.com\/currentaffairs?newsmaticargs=custom&amp;posts=today\" target=\"_blank\" rel=\"noreferrer noopener\">Daily Current Affairs<\/a><\/div>\n\n\n\n<div class=\"wp-block-button is-style-outline is-style-outline--5\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/edunovations.com\/currentaffairsinhindi\/\" target=\"_blank\" rel=\"noreferrer noopener\">Current Affairs In Hindi<\/a><\/div>\n\n\n\n<div class=\"wp-block-button is-style-outline is-style-outline--6\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/edunovations.com\/currentaffairs\/category\/news-and-notifications\/\" target=\"_blank\" rel=\"noreferrer noopener\">News and Notifications<\/a><\/div>\n<\/div>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.edunovations.quiz\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" width=\"900\" height=\"150\" src=\"https:\/\/edunovations.com\/currentaffairs\/wp-content\/uploads\/2023\/03\/Banner-current-affairs-2-1.jpg\" alt=\"Download this App for Daily Current Affairs MCQ&#039;s\" class=\"wp-image-247\" title=\"\" srcset=\"https:\/\/edunovations.com\/currentaffairs\/wp-content\/uploads\/2023\/03\/Banner-current-affairs-2-1.jpg 900w, https:\/\/edunovations.com\/currentaffairs\/wp-content\/uploads\/2023\/03\/Banner-current-affairs-2-1-300x50.jpg 300w, https:\/\/edunovations.com\/currentaffairs\/wp-content\/uploads\/2023\/03\/Banner-current-affairs-2-1-768x128.jpg 768w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/><\/a><figcaption class=\"wp-element-caption\">Download this App for Daily Current Affairs MCQ&#8217;s<\/figcaption><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full\" id=\"News-Website-Development-Company\"><a href=\"https:\/\/www.martindiainfotech.com\/\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" width=\"900\" height=\"150\" src=\"https:\/\/edunovations.com\/currentaffairs\/wp-content\/uploads\/2023\/04\/News-Website-Development-Company-Banner.png\" alt=\"News Website Development Company\" class=\"wp-image-438\" title=\"News Website Development Company\" srcset=\"https:\/\/edunovations.com\/currentaffairs\/wp-content\/uploads\/2023\/04\/News-Website-Development-Company-Banner.png 900w, https:\/\/edunovations.com\/currentaffairs\/wp-content\/uploads\/2023\/04\/News-Website-Development-Company-Banner-300x50.png 300w, https:\/\/edunovations.com\/currentaffairs\/wp-content\/uploads\/2023\/04\/News-Website-Development-Company-Banner-768x128.png 768w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/><\/a><figcaption class=\"wp-element-caption\">News Website Development Company<\/figcaption><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>Banks Reevaluate Recovery Strategies as IBC Effectiveness Declines Introduction: A Shift in Recovery Strategies In recent times, Indian banks have been facing challenges in recovering stressed loans, particularly as the effectiveness of the Insolvency and Bankruptcy Code (IBC) has shown signs of decline. The IBC was introduced in 2016 to expedite the resolution of stressed&#8230;<\/p>\n","protected":false},"author":6,"featured_media":29725,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14,10],"tags":[19610],"class_list":["post-29699","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banking","category-national","tag-insolvency-and-bankruptcy-code-ibc-resolution-process-indian-banks-recovery-strategies-loan-recovery-methods-non-performing-assets-npas-banking-sector-in-india-debt-restructuring-banking-technology"],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/edunovations.com\/currentaffairs\/wp-json\/wp\/v2\/posts\/29699","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/edunovations.com\/currentaffairs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/edunovations.com\/currentaffairs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/edunovations.com\/currentaffairs\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/edunovations.com\/currentaffairs\/wp-json\/wp\/v2\/comments?post=29699"}],"version-history":[{"count":0,"href":"https:\/\/edunovations.com\/currentaffairs\/wp-json\/wp\/v2\/posts\/29699\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/edunovations.com\/currentaffairs\/wp-json\/wp\/v2\/media\/29725"}],"wp:attachment":[{"href":"https:\/\/edunovations.com\/currentaffairs\/wp-json\/wp\/v2\/media?parent=29699"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/edunovations.com\/currentaffairs\/wp-json\/wp\/v2\/categories?post=29699"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/edunovations.com\/currentaffairs\/wp-json\/wp\/v2\/tags?post=29699"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}