{"id":42944,"date":"2025-12-06T18:21:08","date_gmt":"2025-12-06T12:51:08","guid":{"rendered":"https:\/\/edunovations.com\/currentaffairs\/?p=42944"},"modified":"2025-12-06T18:21:11","modified_gmt":"2025-12-06T12:51:11","slug":"digital-credit-assessment-for-msmes","status":"publish","type":"post","link":"https:\/\/edunovations.com\/currentaffairs\/national\/digital-credit-assessment-for-msmes\/","title":{"rendered":"Digital Credit Assessment for MSMEs: Government CAM to Strengthen Loan Approvals"},"content":{"rendered":"\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_86 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 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/digital-credit-assessment-for-msmes\/#Digital_Credit_Assessment_for_MSMEs_launched_by_the_government_enables_faster_transparent_and_data-driven_loan_approvals_enhancing_financial_inclusion_and_supporting_small_businesses\" >Digital Credit Assessment for MSMEs launched by the government enables faster, transparent, and data-driven loan approvals, enhancing financial inclusion and supporting small businesses.<\/a><\/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\/national\/digital-credit-assessment-for-msmes\/#Government_Introduces_Credit_Assessment_Model_to_Strengthen_Digital_Loan_Evaluation_for_MSMEs\" >Government Introduces Credit Assessment Model to Strengthen Digital Loan Evaluation for MSMEs<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/digital-credit-assessment-for-msmes\/#Overview_of_the_New_Credit_Assessment_Model\" >Overview of the New Credit Assessment Model<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/digital-credit-assessment-for-msmes\/#Impact_on_MSME_Lending_Speed_Transparency_and_Inclusion\" >Impact on MSME Lending: Speed, Transparency and Inclusion<\/a><\/li><\/ul><\/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\/national\/digital-credit-assessment-for-msmes\/#Why_This_News_Is_Important\" >Why This News Is Important<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/digital-credit-assessment-for-msmes\/#Boost_to_MSME_Credit_Access_and_Ease_of_Doing_Business\" >Boost to MSME Credit Access and Ease of Doing Business<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/digital-credit-assessment-for-msmes\/#Relevance_for_Economic_Understanding_Exam_Preparation\" >Relevance for Economic Understanding &amp; Exam Preparation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/digital-credit-assessment-for-msmes\/#Long-Term_Implications_for_Banking_Credit_Flow_and_MSME_Sector\" >Long-Term Implications for Banking, Credit Flow and MSME Sector<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/digital-credit-assessment-for-msmes\/#Historical_Context\" >Historical Context<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/digital-credit-assessment-for-msmes\/#Traditional_MSME_Credit_Assessment_%E2%80%94_Challenges\" >Traditional MSME Credit Assessment \u2014 Challenges<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/digital-credit-assessment-for-msmes\/#Shift_Towards_Digital_Lending_Policy_Reforms\" >Shift Towards Digital Lending &amp; Policy Reforms<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/digital-credit-assessment-for-msmes\/#Key_Takeaways_from_New_Digital_Credit_Assessment_for_MSMEs\" >Key Takeaways from New Digital Credit Assessment for MSMEs<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/digital-credit-assessment-for-msmes\/#FAQs_Frequently_Asked_Questions\" >FAQs: Frequently Asked Questions<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/digital-credit-assessment-for-msmes\/#Some_Important_Current_Affairs_Links\" >Some Important Current Affairs Links<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Digital_Credit_Assessment_for_MSMEs_launched_by_the_government_enables_faster_transparent_and_data-driven_loan_approvals_enhancing_financial_inclusion_and_supporting_small_businesses\"><\/span>Digital Credit Assessment for MSMEs launched by the government enables faster, transparent, and data-driven loan approvals, enhancing financial inclusion and supporting small businesses.<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Government_Introduces_Credit_Assessment_Model_to_Strengthen_Digital_Loan_Evaluation_for_MSMEs\"><\/span>Government Introduces Credit Assessment Model to Strengthen Digital Loan Evaluation for MSMEs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Overview_of_the_New_Credit_Assessment_Model\"><\/span>Overview of the New Credit Assessment Model<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The Government of India has recently unveiled a new <strong>Digital Credit Assessment Model (CAM)<\/strong> for Micro, Small and Medium Enterprises (MSMEs). As announced in the Union Budget 2024-25, the initiative tasks public sector banks (PSBs) with building in-house credit evaluation capabilities instead of depending on external agencies.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Under the CAM, MSME credit appraisal is now driven by <strong>digitally verifiable data<\/strong> and automated processes. Rather than relying solely on traditional criteria such as asset value or turnover, the model evaluates borrowers based on their \u201cdigital footprints\u201d: PAN authentication, GST data, bank statements via account-aggregators, tax returns (ITR), credit bureau data, etc. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Importantly, the new system aims to simplify the loan journey: submission of applications from anywhere online, reduced paperwork, minimal branch visits, and potentially <strong>instant in-principle sanction<\/strong>. The full credit decision \u2014 including limit assessment \u2014 can now be made using objective, system-generated scorecards. <\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Impact_on_MSME_Lending_Speed_Transparency_and_Inclusion\"><\/span>Impact on MSME Lending: Speed, Transparency and Inclusion<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Implementation of this credit assessment model has already begun to show tangible results. Between April 1 and July 15, 2025, PSBs sanctioned <strong>98,995 loan applications<\/strong> under the new system. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This represents a major shift in the lending paradigm: loans that once took weeks or months for appraisal can now potentially be approved within <strong>a day or less<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Because the model relies on digital transactional behavior and objective data rather than subjective asset-based assessments, it offers special benefits for MSMEs that may not maintain formal accounting records. This opens credit access to a broader swathe of small and micro enterprises, fuelling financial inclusion. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Moreover, the model supports both \u201cExisting to Bank (ETB)\u201d \u2014 i.e. existing customers \u2014 as well as \u201cNew to Bank (NTB)\u201d borrowers, which means even first-time borrowers can avail quick credit based on their digital footprints<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\" id=\"Digital-credit-assessment-for-MSMEs\"><img decoding=\"async\" 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alt=\"Digital credit assessment for MSMEs\" title=\"Digital credit assessment for MSMEs\"\/><figcaption class=\"wp-element-caption\">Digital credit assessment for MSMEs<\/figcaption><\/figure>\n<\/div>\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<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Boost_to_MSME_Credit_Access_and_Ease_of_Doing_Business\"><\/span>Boost to MSME Credit Access and Ease of Doing Business<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">For aspirants preparing for exams such as banking, civil services, finance-related posts, etc., the introduction of this digital CAM is critical: it marks a major policy intervention to simplify credit delivery for MSMEs. Faster, more transparent loans can significantly help smaller businesses \u2014 which, in turn, support employment generation and economic growth across India.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">By reducing dependence on manual documentation and subjective credit appraisal, the model helps formalize credit outreach. This will likely lead to a rise in MSME registrations, formal banking relationships, and overall economic formalisation.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Relevance_for_Economic_Understanding_Exam_Preparation\"><\/span>Relevance for Economic Understanding &amp; Exam Preparation<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Competitive exams often test knowledge of current government initiatives, economic reforms, and financial inclusion measures. The CAM for MSMEs is a contemporary example of how the government is leveraging digitisation and data-driven policymaking to strengthen the economy. Understanding its mechanics, objectives, and early outcomes will help students answer questions related to economic policies, banking reforms, MSME growth strategies, and financial inclusion.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Long-Term_Implications_for_Banking_Credit_Flow_and_MSME_Sector\"><\/span>Long-Term Implications for Banking, Credit Flow and MSME Sector<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">This move could set a precedent for expanding digital-footprint credit evaluation to other sectors (for example, housing loans to non-salaried individuals, as indicated by similar proposals).  Over time, this can lead to more people and enterprises entering the formal credit ecosystem \u2014 driving financial inclusion, reducing dependence on informal lending, and potentially decreasing default risk through better data-driven evaluation.<\/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\"><\/span>Historical Context<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Traditional_MSME_Credit_Assessment_%E2%80%94_Challenges\"><\/span>Traditional MSME Credit Assessment \u2014 Challenges<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Historically, MSME lending in India has been burdened by cumbersome paperwork, manual underwriting, and subjective evaluation based on assets, turnover or past credit history. Many smaller enterprises \u2014 especially micro and informal ones \u2014 struggled to get loans due to lack of formal balance sheets or strict collateral requirements.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This resulted in delays, inconsistent credit decisions, and limited financial inclusion for smaller businesses.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Shift_Towards_Digital_Lending_Policy_Reforms\"><\/span>Shift Towards Digital Lending &amp; Policy Reforms<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Over the past few years, the Indian government and regulators have been pushing for digitisation and easier access to credit for MSMEs. The 2024-25 Union Budget formalized the plan: rather than outsourcing credit assessment, PSBs would build in-house, data-driven credit evaluation frameworks. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">With the launch of the Digital Credit Assessment Model in March 2025, this vision began to materialize. The model leverages digital footprints \u2014 PAN, GST, bank statements, E-KYC data, etc. \u2014 and automated underwriting tools to assess creditworthiness.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Between April and July 2025, nearly 99,000 loan applications were sanctioned via this new model, showcasing early success in adoption and effectiveness<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This shift from manual to digital evaluation represents a broader structural change in India\u2019s banking and MSME sector \u2014 one influenced by the broader push for financial inclusion, digitisation and ease of doing business.<\/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_New_Digital_Credit_Assessment_for_MSMEs\"><\/span>Key Takeaways from New Digital Credit Assessment for MSMEs<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>#<\/th><th>Key Takeaway<\/th><\/tr><\/thead><tbody><tr><td>1<\/td><td>The government has launched a new <strong>Digital Credit Assessment Model (CAM)<\/strong> for MSMEs, enabling data-driven, automated loan appraisal. <\/td><\/tr><tr><td>2<\/td><td>The model uses <strong>digital footprints<\/strong> \u2014 PAN verification, GST data, bank-account statements, tax returns, credit bureau data \u2014 to assess creditworthiness, instead of relying solely on assets or turnover. <\/td><\/tr><tr><td>3<\/td><td>Loans can be applied for online, with reduced paperwork and minimal branch visits; decisions can be made <strong>within a day or less<\/strong>, significantly lowering turnaround time (TAT). <\/td><\/tr><tr><td>4<\/td><td>Between April 1 and July 15, 2025, PSBs sanctioned <strong>98,995 MSME loan applications<\/strong> under this model \u2014 demonstrating early adoption and impact. <\/td><\/tr><tr><td>5<\/td><td>The model helps extend credit to MSMEs lacking formal accounting or collateral \u2014 enhancing <strong>financial inclusion<\/strong> and encouraging more small enterprises to enter the formal economy.<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Digital credit assessment for MSMEs<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAQs_Frequently_Asked_Questions\"><\/span>FAQs: Frequently Asked Questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>1. What is the Digital Credit Assessment Model (CAM) for MSMEs?<\/strong><br>The Digital Credit Assessment Model (CAM) is a government-initiated system for Micro, Small and Medium Enterprises (MSMEs) that uses digital footprints and automated evaluation to assess creditworthiness, enabling faster and more transparent loan approvals.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>2. Which data sources are used in the CAM for MSME loan evaluation?<\/strong><br>CAM evaluates MSME creditworthiness using PAN authentication, GST data, bank account statements through account aggregators, income tax returns (ITR), and credit bureau data.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>3. How does the new CAM benefit MSMEs?<\/strong><br>The model reduces paperwork, speeds up loan processing, and provides credit access to smaller enterprises without formal accounting records or collateral, enhancing financial inclusion.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>4. When was the Digital Credit Assessment Model launched?<\/strong><br>The model was launched as part of the 2024-25 Union Budget reforms, with implementation starting in March 2025.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>5. How many MSME loan applications were sanctioned under CAM between April and July 2025?<\/strong><br>Public sector banks sanctioned <strong>98,995 loan applications<\/strong> under the CAM during this period.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>6. Can first-time MSME borrowers avail loans under CAM?<\/strong><br>Yes, the CAM supports both Existing to Bank (ETB) and New to Bank (NTB) borrowers, allowing even first-time borrowers to access credit quickly.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>7. Why is CAM important for economic growth?<\/strong><br>By simplifying credit access for MSMEs, CAM promotes employment generation, formalization of businesses, and overall economic growth.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>8. Does CAM replace traditional asset-based credit evaluation?<\/strong><br>CAM complements traditional evaluation by focusing on digital transactional data and automated scoring, though asset-based evaluation may still be used in some cases.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>9. Which banks are implementing CAM for MSME loans?<\/strong><br>All major Public Sector Banks (PSBs) in India are implementing CAM as per government directives.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>10. 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Government Introduces Credit Assessment Model to Strengthen Digital Loan Evaluation for MSMEs Overview of the New Credit Assessment Model The Government of India has recently unveiled a new Digital Credit Assessment Model&#8230;<\/p>\n","protected":false},"author":6,"featured_media":42974,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10,144],"tags":[6630,31226,31225,31227,5172],"class_list":["post-42944","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-national","category-economy_finance","tag-banking-reforms","tag-cam-for-msmes","tag-digital-credit-model","tag-government-loan-schemes","tag-msme-loans"],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/edunovations.com\/currentaffairs\/wp-json\/wp\/v2\/posts\/42944","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=42944"}],"version-history":[{"count":3,"href":"https:\/\/edunovations.com\/currentaffairs\/wp-json\/wp\/v2\/posts\/42944\/revisions"}],"predecessor-version":[{"id":42975,"href":"https:\/\/edunovations.com\/currentaffairs\/wp-json\/wp\/v2\/posts\/42944\/revisions\/42975"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/edunovations.com\/currentaffairs\/wp-json\/wp\/v2\/media\/42974"}],"wp:attachment":[{"href":"https:\/\/edunovations.com\/currentaffairs\/wp-json\/wp\/v2\/media?parent=42944"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/edunovations.com\/currentaffairs\/wp-json\/wp\/v2\/categories?post=42944"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/edunovations.com\/currentaffairs\/wp-json\/wp\/v2\/tags?post=42944"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}