{"id":3569,"date":"2020-09-30T13:11:54","date_gmt":"2020-09-30T07:41:54","guid":{"rendered":"https:\/\/razorpay.com\/learn\/?p=3569"},"modified":"2021-02-28T11:05:28","modified_gmt":"2021-02-28T05:35:28","slug":"myths-about-payroll-india","status":"publish","type":"post","link":"https:\/\/razorpay.com\/payroll\/learn\/myths-about-payroll-india\/","title":{"rendered":"5 Common Myths About Payroll Processing"},"content":{"rendered":"<p data-speechify-sentence=\"\"><span style=\"font-weight: 400;\">Every business, small or large, has to process and execute payroll. While performing payroll calculations, the concerned team follows a specific set of rules. These rules govern salary payments, tax deductions, PF contributions, and many more.\u00a0<\/span><\/p>\n<p data-speechify-sentence=\"\"><span style=\"font-weight: 400;\">Since there is a lack of specific <a href=\"https:\/\/razorpay.com\/blog\/what-is-payroll-definition-process-complete-guide\/\">rulebook for payroll processing<\/a>, some laws are wrongly interpreted by the businesses. Unawareness of changes to a particular law or regulation adds up to it.\u00a0<\/span><\/p>\n<p data-speechify-sentence=\"\"><span style=\"font-weight: 400;\">The misinterpretation of law over the years has given rise to quite a few myths about payroll, making the entire process seem intimidating.\u00a0<\/span><\/p>\n<p data-speechify-sentence=\"\"><span style=\"font-weight: 400;\">Let&#8217;s decode the facts about payroll in detail, and then execute payroll accurately.\u00a0<\/span><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_80 counter-hierarchy ez-toc-counter ez-toc-transparent ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69d688aeb3b48\" class=\"ez-toc-cssicon-toggle-label\"><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><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69d688aeb3b48\"  aria-label=\"Toggle\" \/><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:\/\/razorpay.com\/payroll\/learn\/myths-about-payroll-india\/#Myth-%E2%80%93-PF-is-calculated-only-on-basic-salary\" >Myth &#8211; PF is calculated only on basic salary<\/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:\/\/razorpay.com\/payroll\/learn\/myths-about-payroll-india\/#Fact-PF-should-be-calculated-on-employees-fixed-salary\" >Fact: PF should be calculated on employee\u2019s fixed salary<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/razorpay.com\/payroll\/learn\/myths-about-payroll-india\/#Myth-%E2%80%93-Employees-bear-PF-admin-charges\" >Myth &#8211; Employees bear PF admin charges<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/razorpay.com\/payroll\/learn\/myths-about-payroll-india\/#Fact-%E2%80%93-PF-charges-should-be-borne-by-the-employer-only\" >Fact &#8211; PF charges should be borne by the employer only<\/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:\/\/razorpay.com\/payroll\/learn\/myths-about-payroll-india\/#Myth-%E2%80%93-LTA-deduction-can-be-claimed-every-year\" >Myth &#8211; LTA deduction can be claimed every year<\/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:\/\/razorpay.com\/payroll\/learn\/myths-about-payroll-india\/#Fact-%E2%80%93-LTA-deduction-should-be-claimed-only-twice-in-a-block-of-4-years\" >Fact &#8211; LTA deduction should be claimed only twice in a block of 4 years<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/razorpay.com\/payroll\/learn\/myths-about-payroll-india\/#Myth-%E2%80%93-CTC-including-medical-transport-allowance-is-not-outdated\" >Myth &#8211; CTC including medical &amp; transport allowance is not outdated<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/razorpay.com\/payroll\/learn\/myths-about-payroll-india\/#Fact-%E2%80%93-Including-medical-transport-allowance-is-irrelevant\" >Fact &#8211; Including medical &amp; transport allowance is irrelevant\u00a0<\/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:\/\/razorpay.com\/payroll\/learn\/myths-about-payroll-india\/#Myth-%E2%80%93-Spreadsheet-based-payroll-is-simpler-and-error-free\" >Myth &#8211; Spreadsheet-based payroll is simpler and error-free<\/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:\/\/razorpay.com\/payroll\/learn\/myths-about-payroll-india\/#Fact-Spreadsheets-are-prone-to-errors\" >Fact: Spreadsheets are prone to errors<\/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:\/\/razorpay.com\/payroll\/learn\/myths-about-payroll-india\/#RazorpayX-Payroll-%E2%80%93-Execute-your-payroll-accurately\" >RazorpayX Payroll\u00a0&#8211; Execute your payroll accurately<\/a><\/li><\/ul><\/nav><\/div>\n<h2 data-speechify-sentence=\"\"><span class=\"ez-toc-section\" id=\"Myth-%E2%80%93-PF-is-calculated-only-on-basic-salary\"><\/span><span style=\"font-weight: 400;\">Myth &#8211; PF is calculated only on basic salary<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-speechify-sentence=\"\"><span style=\"font-weight: 400;\">Many employers consider basic salary alone for PF calculations. Since the Supreme Court ruling on PF wages took place on 28th of February 2019, this practice does not hold good anymore.<\/span><\/p>\n<h3 data-speechify-sentence=\"\"><span class=\"ez-toc-section\" id=\"Fact-PF-should-be-calculated-on-employees-fixed-salary\"><\/span><span style=\"font-weight: 400;\">Fact: PF should be calculated on employee\u2019s fixed salary<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-speechify-sentence=\"\"><span style=\"font-weight: 400;\">The Supreme Court ruling held that the allowances paid by an employer to its employees will be included as a part of basic wages and will be subject to PF contributions.\u00a0<\/span><\/p>\n<p data-speechify-sentence=\"\"><span style=\"font-weight: 400;\">But, here are some exceptions.<\/span><\/p>\n<ul data-read-aloud-multi-block=\"true\">\n<li style=\"font-weight: 400;\" data-speechify-sentence=\"\"><span style=\"font-weight: 400;\">Variable allowance or allowances that are linked to any incentive for production, resulting in greater output by an employee<\/span><\/li>\n<li style=\"font-weight: 400;\" data-speechify-sentence=\"\"><span style=\"font-weight: 400;\">Allowances paid across the board to all employees of a particular category<\/span><\/li>\n<li style=\"font-weight: 400;\" data-speechify-sentence=\"\"><span style=\"font-weight: 400;\">Allowances that are paid especially to those who availed the opportunity<\/span><\/li>\n<li style=\"font-weight: 400;\" data-speechify-sentence=\"\"><span style=\"font-weight: 400;\">Allowances that formed a part of basic wage and are covered as allowances to avoid deduction and contribution to PF<\/span><\/li>\n<\/ul>\n<p data-speechify-sentence=\"\"><span style=\"font-weight: 400;\">HRA is not paid to many employees\/workers around the country. Also, sometimes it is paid to some employees and not to others by the same employer. So, it stands excluded from <\/span><a href=\"https:\/\/razorpay.com\/learn\/employee-provident-fund-epf-scheme\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\">PF contributions<\/span><\/a><span style=\"font-weight: 400;\">. Similarly, overtime allowance\/bonus\/incentives are provided by all employers but not earned by all employees and hence stands excluded too.\u00a0<\/span><\/p>\n<p data-speechify-sentence=\"\"><span style=\"font-weight: 400;\">Therefore, PF contribution has to be calculated at the rate of 12% of an employee&#8217;s <\/span><b><i>fixed wages, including basic pay, special allowance<\/i><\/b><span style=\"font-weight: 400;\">, but excluding HRA, overtime allowance, etc.\u00a0\u00a0<\/span><\/p>\n<h2 data-speechify-sentence=\"\"><span class=\"ez-toc-section\" id=\"Myth-%E2%80%93-Employees-bear-PF-admin-charges\"><\/span><span style=\"font-weight: 400;\">Myth &#8211; Employees bear PF admin charges<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-speechify-sentence=\"\"><span style=\"font-weight: 400;\">Some employers transfer the cost of managing a PF to employees by making it a part of the CTC. However, this practice is wrong.\u00a0<\/span><\/p>\n<h3 data-speechify-sentence=\"\"><span class=\"ez-toc-section\" id=\"Fact-%E2%80%93-PF-charges-should-be-borne-by-the-employer-only\"><\/span><span style=\"font-weight: 400;\">Fact &#8211; PF charges should be borne by the employer only<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-speechify-sentence=\"\"><span style=\"font-weight: 400;\">PF admin charges are the charges allocated outside of the employer&#8217;s PF contribution. The employer entirely bears these charges. So, if an employer contributes 12% of the fixed wages (excluding HRA),\u00a0 0.5% admin charges will be added to the 12%. This means the <\/span><b><i>total cost to the employer would be 12.5%<\/i><\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p data-speechify-sentence=\"\"><span style=\"font-weight: 400;\">This additional charge should be treated as an expense in the profit &amp; loss of the employer&#8217;s balance sheet. The 12% employee&#8217;s contribution will be deducted entirely for PF, and no charges will be debited from the employee&#8217;s salary.<\/span><\/p>\n<h2 data-speechify-sentence=\"\"><span class=\"ez-toc-section\" id=\"Myth-%E2%80%93-LTA-deduction-can-be-claimed-every-year\"><\/span><span style=\"font-weight: 400;\">Myth &#8211; LTA deduction can be claimed every year<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-speechify-sentence=\"\"><span style=\"font-weight: 400;\">Employees submit LTA bills to their present employers and claim tax benefits every year. This practice is unethical.\u00a0<\/span><\/p>\n<h3 data-speechify-sentence=\"\"><span class=\"ez-toc-section\" id=\"Fact-%E2%80%93-LTA-deduction-should-be-claimed-only-twice-in-a-block-of-4-years\"><\/span><span style=\"font-weight: 400;\">Fact &#8211; LTA deduction should be claimed only twice in a block of 4 years<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-speechify-sentence=\"\"><span style=\"font-weight: 400;\">Employees tend to switch and do not inform their new employers about LTA exemptions claimed previously.<\/span><\/p>\n<p data-speechify-sentence=\"\"><span style=\"font-weight: 400;\">According to the Income Tax laws, an employee can claim LTA exemption for only 2 domestic travels within a block of 4 calendar years. The exemption is available only on the travel cost incurred or the LTA received by the employee, whichever is lower.\u00a0<\/span><\/p>\n<p data-speechify-sentence=\"\"><span style=\"font-weight: 400;\">There is no way for employers to collect information about employees&#8217; previous LTA exemption claims. But, this tax-saving approach might invite trouble for employees.\u00a0<\/span><\/p>\n<p data-speechify-sentence=\"\"><span style=\"font-weight: 400;\">If an employee has claimed LTA exemption twice in the block of 4 calendar years, they should inform their current employer to avoid notice from the IT department.\u00a0<\/span><\/p>\n<blockquote data-read-aloud-multi-block=\"true\">\n<p data-speechify-sentence=\"\"><b>LTA exemption is not allowed under the <\/b><a href=\"https:\/\/razorpay.com\/blog\/dual-tax-regime-compliant-payroll-software-opfin\/\" target=\"_blank\" rel=\"noopener noreferrer\"><b>new tax regime<\/b><\/a><b> introduced in Budget 2020.<\/b><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<\/blockquote>\n<h2 data-speechify-sentence=\"\"><span class=\"ez-toc-section\" id=\"Myth-%E2%80%93-CTC-including-medical-transport-allowance-is-not-outdated\"><\/span><span style=\"font-weight: 400;\">Myth &#8211; CTC including medical &amp; transport allowance is not outdated<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-speechify-sentence=\"\"><span style=\"font-weight: 400;\">Many employers include medical and transport allowance in the CTC structure. However, this practice is redundant.\u00a0<\/span><\/p>\n<h3 data-speechify-sentence=\"\"><span class=\"ez-toc-section\" id=\"Fact-%E2%80%93-Including-medical-transport-allowance-is-irrelevant\"><\/span><b>Fact &#8211;<\/b><span style=\"font-weight: 400;\"> Including medical &amp; transport allowance is irrelevant\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-speechify-sentence=\"\"><span style=\"font-weight: 400;\">In the Union Budget 2018, the Finance Minister introduced a standard deduction of Rs 40,000. This deduction replaced medical and transport allowance tax benefits.\u00a0\u00a0\u00a0<\/span><\/p>\n<p data-speechify-sentence=\"\"><span style=\"font-weight: 400;\">Before 2018, these allowances were a part of the CTC. The employees claimed tax benefit on the medical allowance of Rs 15,000 and a transport allowance Rs 19,200.\u00a0<\/span><\/p>\n<p data-speechify-sentence=\"\"><span style=\"font-weight: 400;\">Since exemptions were replaced with a standard deduction, making medical and transport allowance a part of CTC is unnecessary. Employers can withdraw these allowances and park the funds as special allowance.\u00a0<\/span><\/p>\n<p data-speechify-sentence=\"\"><span style=\"font-weight: 400;\">Also, the threshold of Rs 40,000 was increased to Rs 50,000 in the Union Budget 2020.\u00a0<\/span><\/p>\n<h2 data-speechify-sentence=\"\"><span class=\"ez-toc-section\" id=\"Myth-%E2%80%93-Spreadsheet-based-payroll-is-simpler-and-error-free\"><\/span><span style=\"font-weight: 400;\">Myth &#8211; Spreadsheet-based payroll is simpler and error-free<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-speechify-sentence=\"\"><span style=\"font-weight: 400;\">Businesses start payroll processing on spreadsheets because there are no initial investments. They try to save their budgets by using manual payroll methods. However, this practice can take a toll in future.\u00a0<\/span><\/p>\n<h3 data-speechify-sentence=\"\"><span class=\"ez-toc-section\" id=\"Fact-Spreadsheets-are-prone-to-errors\"><\/span><span style=\"font-weight: 400;\">Fact: Spreadsheets are prone to errors<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-speechify-sentence=\"\"><span style=\"font-weight: 400;\">The spreadsheet-based payroll calculations are lengthy and time-consuming. Here are some limitations to this method.<\/span><\/p>\n<ul data-read-aloud-multi-block=\"true\">\n<li style=\"font-weight: 400;\" data-speechify-sentence=\"\"><span style=\"font-weight: 400;\">High chances of mathematical and clerical errors as details are entered manually<\/span><\/li>\n<li style=\"font-weight: 400;\" data-speechify-sentence=\"\"><span style=\"font-weight: 400;\">Odds of duplications and omission of entries rises<\/span><\/li>\n<li style=\"font-weight: 400;\" data-speechify-sentence=\"\"><span style=\"font-weight: 400;\">Difficult to monitor and update spreadsheets with compliance changes\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" data-speechify-sentence=\"\"><span style=\"font-weight: 400;\">Complications in adding and removing employees<\/span><\/li>\n<li style=\"font-weight: 400;\" data-speechify-sentence=\"\"><span style=\"font-weight: 400;\">Excessive hours spend by concerned teams on payroll processing every month<\/span><\/li>\n<li style=\"font-weight: 400;\" data-speechify-sentence=\"\"><span style=\"font-weight: 400;\">Increase in costs as businesses need to hire skilled folks for payroll calculations<\/span><\/li>\n<\/ul>\n<p data-speechify-sentence=\"\"><b><i>However, more than half of Indian businesses still rely on paper or spreadsheet-based payroll management for payroll processing<\/i><\/b><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<h2 data-speechify-sentence=\"\"><span class=\"ez-toc-section\" id=\"RazorpayX-Payroll-%E2%80%93-Execute-your-payroll-accurately\"><\/span><span style=\"font-weight: 400;\">RazorpayX Payroll\u00a0&#8211; Execute your payroll accurately<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-speechify-sentence=\"\"><span style=\"font-weight: 400;\">With constantly changing regulations and the drawbacks of using traditional methods, effective payroll software is the need of the hour.\u00a0<\/span><\/p>\n<p data-speechify-sentence=\"\"><span style=\"font-weight: 400;\">At <a href=\"https:\/\/razorpay.com\/payroll\/payroll-processing\/\">RazorpayX Payroll<\/a>, we have decoded what it means to have an effective payroll system. It processes and executes payroll seamlessly in a single click. It not only calculates salary or compliance payments but also executes payroll.\u00a0<\/span><\/p>\n<p data-speechify-sentence=\"\"><span style=\"font-weight: 400;\">Let\u2019s see how RazorpayX Payroll combats all the myths about payroll and makes payroll execution &#8211;<\/span><b> A Cakewalk!<\/b><\/p>\n<ul data-read-aloud-multi-block=\"true\">\n<li style=\"font-weight: 400;\" data-speechify-sentence=\"\"><span style=\"font-weight: 400;\">The software computes employees\u2019 PF contributions at 12% of the fixed wages that includes basic salary, special allowances and excludes HRA<\/span><\/li>\n<li style=\"font-weight: 400;\" data-speechify-sentence=\"\"><span style=\"font-weight: 400;\">It includes PF admin charges as a part of employers\u2019 PF contributions and doesn\u2019t deduct it from employees\u2019 salary<\/span><\/li>\n<li style=\"font-weight: 400;\" data-speechify-sentence=\"\"><span style=\"font-weight: 400;\">Employers can automatically bifurcate CTC and exclude medical &amp; health insurance components\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" data-speechify-sentence=\"\"><span style=\"font-weight: 400;\">Eliminates the usage of spreadsheets by automating the entire payroll process including compliance payments and contractor payments<\/span><\/li>\n<\/ul>\n<p data-speechify-sentence=\"\"><span style=\"font-weight: 400;\">Moreover, RazorpayX Payroll provides an intuitive and easy to use interface for businesses and their employees. It also provides transparency to employees by making all employee-related documents available to them at all times.\u00a0<\/span><\/p>\n<p data-speechify-sentence=\"\"><span style=\"font-weight: 400;\">Also, it does away with duplication or omission errors involved in traditional payroll methods and brings down the processing time days to minutes. Since RazorpayX Payroll fully complies with regulations and laws, businesses do not have to worry about decoding and monitoring compliance changes.\u00a0<\/span><\/p>\n<div style=\"text-align: center;\" data-speechify-sentence=\"\"><a style=\"border-radius: 3px; background: #528FF0; padding: 15px; font-weight: 600; cursor: pointer; text-decoration: none; color: white;\" href=\"https:\/\/razorpay.com\/payroll\/?r=myths\" target=\"_blank\" rel=\"noopener noreferrer\">Switch to RazorpayX Payroll Now<\/a><\/div>\n","protected":false},"excerpt":{"rendered":"<p>The misinterpretation of law over the years has given rise to quite a few myths about payroll, making the entire payroll process seem intimidating.\u00a0<\/p>\n","protected":false},"author":151156469,"featured_media":3570,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3404],"tags":[],"class_list":{"0":"post-3569","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-payroll"},"_links":{"self":[{"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/posts\/3569","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/users\/151156469"}],"replies":[{"embeddable":true,"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/comments?post=3569"}],"version-history":[{"count":10,"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/posts\/3569\/revisions"}],"predecessor-version":[{"id":4232,"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/posts\/3569\/revisions\/4232"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/media\/3570"}],"wp:attachment":[{"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/media?parent=3569"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/categories?post=3569"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/tags?post=3569"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}