{"id":1127,"date":"2025-06-23T15:58:11","date_gmt":"2025-06-23T15:58:11","guid":{"rendered":"https:\/\/thepumumedia.com\/blogs\/?p=1127"},"modified":"2025-06-23T12:37:52","modified_gmt":"2025-06-23T12:37:52","slug":"%e2%82%b91-5-lakh-app-loans-trapped-in-high%e2%80%91interest-debt","status":"publish","type":"post","link":"https:\/\/thepumumedia.com\/blogs\/%e2%82%b91-5-lakh-app-loans-trapped-in-high%e2%80%91interest-debt\/","title":{"rendered":"\u20b91.5\u202fLakh App Loans\u2014Trapped in High\u2011Interest Debt?"},"content":{"rendered":"\n<p>Instant personal\u2011loan apps promise quick cash with a few taps on your phone\u2014but behind the convenience often lies a debt trap. As of 2025, India\u2019s household debt has climbed from <strong>35% to 43% of GDP<\/strong>, fueled in large part by unsecured digital lending platforms offering easy credit with sky\u2011high interest rates. Many borrowers discover too late that a \u20b910,000 loan can balloon into a \u20b91.5\u202flakh obligation within months, thanks to hidden fees and annualized rates of <strong>30\u201340% or more<\/strong>.<\/p>\n\n\n\n<p>Let\u2019s start by understanding just how enticing\u2014and dangerous\u2014app\u2011based loans can be.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>1. How App Loans Hook You In<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1.1 The Allure of Instant Credit<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Minimal Documentation:<\/strong> No salary slips or collateral\u2014just your Aadhaar, PAN, and a selfie.<br><\/li>\n\n\n\n<li><strong>Speed:<\/strong> Disbursal in minutes, often 24\/7\u2014a lifeline when wages haven\u2019t cleared.<br><\/li>\n\n\n\n<li><strong>Low Entry Barriers:<\/strong> Credit\u2011scores as low as 600 can still qualify you for small loans.<br><\/li>\n<\/ul>\n\n\n\n<p>These features mask a key trade\u2011off: <strong>you\u2019re borrowing from an unregulated or lightly regulated lender at effective interest rates far above banks<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1.2 The Fine Print: Ballooning Costs<\/strong><\/h3>\n\n\n\n<p>While apps advertise <strong>\u201c0% processing fee\u201d<\/strong> or <strong>\u201cno collaterals\u201d<\/strong>, the true cost shows up in:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Upfront Processing Fees:<\/strong> Often 2\u20135% of the loan amount\u2014charged immediately.<br><\/li>\n\n\n\n<li><strong>Monthly Interest Rates:<\/strong> 2\u20133%\u202fper month, translating to <strong>24\u201336% per annum<\/strong>.<br><\/li>\n\n\n\n<li><strong>Late\u2011Payment Penalties:<\/strong> \u20b9200\u2013\u20b9500 per missed installment, plus penalty interest.<br><\/li>\n\n\n\n<li><strong>Compounding Frequency:<\/strong> Interest often compounds daily, accelerating the balance.<br><\/li>\n<\/ul>\n\n\n\n<p>A \u20b910,000 loan at \u201c24% p.a.\u201d can, with compounding and penalties, swell past <strong>\u20b91.5\u202flakh<\/strong> within a year if repayments slip even once.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>2. Identifying the Debt Cycle<\/strong><\/h2>\n\n\n\n<p>Many borrowers fall into a pattern of <strong>\u201crobbing Peter to pay Paul\u201d<\/strong>:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Take a New Loan<\/strong> to cover last month\u2019s unpaid installment.<br><\/li>\n\n\n\n<li><strong>Pay Down the Old One<\/strong>, only to borrow again next month.<br><\/li>\n\n\n\n<li><strong>Repeat<\/strong>, as principal barely shrinks and interest keeps accruing.<br><\/li>\n<\/ol>\n\n\n\n<p><strong>Red\u2011Flag Signs:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You find yourself applying to multiple apps each month.<br><\/li>\n\n\n\n<li>Your CIBIL score dips below 750 despite no bank defaults.<br><\/li>\n\n\n\n<li>Collection agents message you daily, even outside work hours.<br><\/li>\n<\/ul>\n\n\n\n<p>India\u2019s RBI Deputy Governor recently warned that flawed incentive structures in microfinance and app lending are pushing vulnerable borrowers into over\u2011indebtedness.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>3. Break Free: Immediate Actions<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3.1 Pause New Borrowing<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Freeze Loan Apps:<\/strong> Log out, uninstall, or block notifications.<br><\/li>\n\n\n\n<li><strong>Close New Applications:<\/strong> Resist checking for instant\u2011loan pop\u2011ups when you open social or shopping apps.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3.2 Map Your Debt<\/strong><\/h3>\n\n\n\n<p>Create a simple table listing:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Lender\/App<\/strong><\/td><td><strong>Principal Owed (\u20b9)<\/strong><\/td><td><strong>Monthly Due (\u20b9)<\/strong><\/td><td><strong>Interest Rate (p.a.)<\/strong><\/td><\/tr><tr><td>App A<\/td><td>15,000<\/td><td>3,500<\/td><td>36%<\/td><\/tr><tr><td>App B<\/td><td>10,000<\/td><td>2,200<\/td><td>30%<\/td><\/tr><tr><td>\u2026<\/td><td>\u2026<\/td><td>\u2026<\/td><td>\u2026<\/td><\/tr><tr><td><strong>Total<\/strong><\/td><td><strong>25,000<\/strong><\/td><td><strong>5,700<\/strong><\/td><td>\u2014<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Seeing the full picture helps you plan repayment instead of reacting to each app\u2019s demands.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3.3 Prioritize High\u2011Cost Debts<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Avalanche Method:<\/strong> Focus extra payments on the loan with the highest rate first (often the smallest\u2011ticket app loans).<br><\/li>\n\n\n\n<li><strong>Snowball Method:<\/strong> Alternatively, clear the smallest balance to build momentum and motivation.<br><\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>4. Negotiate with Your Lenders<\/strong><\/h2>\n\n\n\n<p>Even informal lenders respond to a clear negotiation strategy:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4.1 Formalize Your Request<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Write an email or WhatsApp message stating your hardship and request for a <strong>one\u2011time settlement<\/strong> or <strong>tenure extension<\/strong>.<br><\/li>\n\n\n\n<li>Include your repayment plan, showing how you\u2019ll clear at least 50% of the principal within three months.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4.2 Offer Partial Lump Sum<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Propose paying <strong>70\u201380%<\/strong> of the outstanding principal in one go in exchange for <strong>waiving 20\u201330%<\/strong> of accrued interest and charges.<br><\/li>\n\n\n\n<li>Lenders often accept, as recovering a large chunk upfront beats prolonged defaults.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4.3 Escalate Carefully<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>If the app\u2019s customer\u2011care doesn\u2019t budge, request a call with a team leader or compliance officer.<br><\/li>\n\n\n\n<li>Cite <strong>RBI\u2019s Digital Lending Directions, 2025<\/strong>, which emphasize <strong>fair practices<\/strong> and <strong>transparent grievance redressal<\/strong>.<br><\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>5. Safer Borrowing Alternatives<\/strong><\/h2>\n\n\n\n<p>While breaking the app\u2011loan cycle, you may still need short\u2011term credit:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>5.1 Bank Overdraft or Personal Loan<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Interest Rates:<\/strong> 10\u201314%\u202fp.a. versus 30\u201340% on apps.<br><\/li>\n\n\n\n<li><strong>Repayment Discipline:<\/strong> EMIs over 12\u201336\u202fmonths reduce monthly outgo.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>5.2 RBI\u2011Approved NBFC Apps<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Use only the top <strong>10 RBI\u2011approved<\/strong> loan apps, which cap processing fees and adhere to fair\u2011practice codes.<br><\/li>\n\n\n\n<li>Confirm the app discloses all charges <strong>upfront<\/strong>.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>5.3 Peer\u2011to\u2011Peer (P2P) Lending<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Platforms like Faircent or LenDenClub match you with individual lenders at rates below institutional app loans.<br><\/li>\n\n\n\n<li>Often require minimal documentation but carry more reputational oversight.<br><\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>6. Building Long\u2011Term Money Habits<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>6.1 Emergency Fund First<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Goal:<\/strong> 3\u20136 months of essential expenses in a liquid fund.<br><\/li>\n\n\n\n<li>Prevents future recourse to high\u2011cost credit when unexpected costs arise.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>6.2 Budget Discipline<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Track every rupee using apps like <strong>Walnut<\/strong> or <strong>Money View<\/strong>.<br><\/li>\n\n\n\n<li>Allocate a fixed <strong>\u201ccredit buffer\u201d<\/strong> in your budget for planned small loans.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>6.3 Credit\u2011Score Awareness<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Monitor your <strong>CIBIL<\/strong> or <strong>Equifax<\/strong> score regularly.<br><\/li>\n\n\n\n<li>Late payments to app lenders can <em>drag<\/em> your score down, affecting future bank loans.<br><\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>7. Regulatory Safeguards: RBI Digital Lending Directions, 2025<\/strong><\/h2>\n\n\n\n<p>In May\u202f2025, RBI\u2019s new guidelines came into force to protect borrowers:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Mandatory Disclosures:<\/strong> Effective interest rate, all fees, and tenor must be shown before you tap \u201cAccept\u201d.<br><\/li>\n\n\n\n<li><strong>No Coercive Recovery:<\/strong> Debt\u2011collectors may only call between <strong>7\u202fAM and 7\u202fPM<\/strong> and cannot use threatening language.<br><\/li>\n\n\n\n<li><strong>Data\u2011Consent Limits:<\/strong> Apps cannot access your phone contacts or call logs beyond KYC\u2014protecting privacy.<br><\/li>\n\n\n\n<li><strong>Grievance Redressal:<\/strong> A formal, 30\u2011day timeline to resolve disputes, with escalation to the RBI ombudsman if needed.<br><\/li>\n<\/ul>\n\n\n\n<p>If an app flouts these rules, you have grounds to file a complaint with the <strong>RBI Consumer Education and Protection Department<\/strong>.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>8. Real\u2011Life Recoveries<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>8.1 Priya\u2019s Story<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Loan Trap:<\/strong> Borrowed \u20b920,000 across two apps at 36%\u202fp.a. for a medical emergency.<br><\/li>\n\n\n\n<li><strong>Turnaround:<\/strong> Mapped her debts, negotiated a <strong>60% settlement<\/strong> for \u20b912,000, and switched to a bank OD at 12%\u202fp.a.<br><\/li>\n\n\n\n<li><strong>Outcome:<\/strong> Cleared within 9 months, rebuilt her CIBIL to <strong>780+<\/strong>, and started a small emergency SIP.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>8.2 Amit\u2019s Journey<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Loan Cycle:<\/strong> Took fresh app Loans monthly to cover credit\u2011card dues\u2014total debt \u20b91.2\u202flakh.<br><\/li>\n\n\n\n<li><strong>Solution:<\/strong> Consolidated everything into a P2P loan at 18%\u202fp.a., freeing up \u20b93,000\/month to build savings.<br><\/li>\n\n\n\n<li><strong>Result:<\/strong> Paid off in 18 months and now qualifies for a home\u2011loan at 8.5%\u202fp.a.<br><\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>9. Resources and Helplines<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>RBI Ombudsman:<\/strong> File online at\u202f<a href=\"http:\/\/www.rbi.org.in\/\" target=\"_blank\" rel=\"noopener\">www.rbi.org.in<\/a> \u2192\u202fConsumer\u202fEducation &amp; Protection.<br><\/li>\n\n\n\n<li><strong>Banking\u202fCodes &amp; Standards\u202fBoard of India (BCSBI):<\/strong> Grievance cell for digital\u2011loan apps.<br><\/li>\n\n\n\n<li><strong>Financial\u202fInclusion\u202fHelpline:<\/strong> 14440 (toll\u2011free).<br><\/li>\n\n\n\n<li><strong>NGOs &amp; Support Groups:<\/strong> Consumer Voice, Moneylife Foundation\u2014offer free counselling.<br><\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Conclusion<\/strong><\/h2>\n\n\n\n<p>A \u20b910,000 app loan shouldn\u2019t turn into a \u20b91.5\u202flakh nightmare. By recognizing the <strong>interest\u2011trap<\/strong>, <strong>mapping your debt<\/strong>, <strong>negotiating smartly<\/strong>, and <strong>adopting safer borrowing habits<\/strong>, you can break free. Leverage RBI\u2019s new <strong>Digital Lending Directions<\/strong> for added protection, and rebuild your finances through emergency funds and disciplined budgets. With these steps\u2014backed by real\u2011life success stories\u2014you can reclaim control, repair your credit, and avoid ever getting ensnared in the high\u2011interest app\u2011loan cycle again.<br><\/p>\n\n\n\n<p>Source : <a href=\"http:\/\/thepumumedia.com\">thepumumedia.com<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Instant personal\u2011loan apps promise quick cash with a few taps on your phone\u2014but behind the convenience often lies a debt trap. As of 2025, India\u2019s household debt has climbed from 35% to 43% of GDP, fueled in large part by unsecured digital lending platforms offering easy credit with sky\u2011high interest rates. Many borrowers discover too late that a \u20b910,000 loan can balloon into a \u20b91.5\u202flakh obligation within months, thanks to hidden fees and annualized rates of 30\u201340% or more. Let\u2019s start by understanding just how enticing\u2014and dangerous\u2014app\u2011based loans can be. 1. How App Loans Hook You In 1.1 The Allure of Instant Credit These features mask a key trade\u2011off: you\u2019re borrowing from an unregulated or lightly regulated lender at effective interest rates far above banks. 1.2 The Fine Print: Ballooning Costs While apps advertise \u201c0% processing fee\u201d or \u201cno collaterals\u201d, the true cost shows up in: A \u20b910,000 loan at \u201c24% p.a.\u201d can, with compounding and penalties, swell past \u20b91.5\u202flakh within a year if repayments slip even once. 2. Identifying the Debt Cycle Many borrowers fall into a pattern of \u201crobbing Peter to pay Paul\u201d: Red\u2011Flag Signs: India\u2019s RBI Deputy Governor recently warned that flawed incentive structures in microfinance and app lending are pushing vulnerable borrowers into over\u2011indebtedness. 3. Break Free: Immediate Actions 3.1 Pause New Borrowing 3.2 Map Your Debt Create a simple table listing: Lender\/App Principal Owed (\u20b9) Monthly Due (\u20b9) Interest Rate (p.a.) App A 15,000 3,500 36% App B 10,000 2,200 30% \u2026 \u2026 \u2026 \u2026 Total 25,000 5,700 \u2014 Seeing the full picture helps you plan repayment instead of reacting to each app\u2019s demands. 3.3 Prioritize High\u2011Cost Debts 4. Negotiate with Your Lenders Even informal lenders respond to a clear negotiation strategy: 4.1 Formalize Your Request 4.2 Offer Partial Lump Sum 4.3 Escalate Carefully 5. Safer Borrowing Alternatives While breaking the app\u2011loan cycle, you may still need short\u2011term credit: 5.1 Bank Overdraft or Personal Loan 5.2 RBI\u2011Approved NBFC Apps 5.3 Peer\u2011to\u2011Peer (P2P) Lending 6. Building Long\u2011Term Money Habits 6.1 Emergency Fund First 6.2 Budget Discipline 6.3 Credit\u2011Score Awareness 7. Regulatory Safeguards: RBI Digital Lending Directions, 2025 In May\u202f2025, RBI\u2019s new guidelines came into force to protect borrowers: If an app flouts these rules, you have grounds to file a complaint with the RBI Consumer Education and Protection Department. 8. Real\u2011Life Recoveries 8.1 Priya\u2019s Story 8.2 Amit\u2019s Journey 9. Resources and Helplines Conclusion A \u20b910,000 app loan shouldn\u2019t turn into a \u20b91.5\u202flakh nightmare. By recognizing the interest\u2011trap, mapping your debt, negotiating smartly, and adopting safer borrowing habits, you can break free. Leverage RBI\u2019s new Digital Lending Directions for added protection, and rebuild your finances through emergency funds and disciplined budgets. With these steps\u2014backed by real\u2011life success stories\u2014you can reclaim control, repair your credit, and avoid ever getting ensnared in the high\u2011interest app\u2011loan cycle again. Source : thepumumedia.com<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ocean_post_layout":"","ocean_both_sidebars_style":"","ocean_both_sidebars_content_width":0,"ocean_both_sidebars_sidebars_width":0,"ocean_sidebar":"","ocean_second_sidebar":"","ocean_disable_margins":"enable","ocean_add_body_class":"","ocean_shortcode_before_top_bar":"","ocean_shortcode_after_top_bar":"","ocean_shortcode_before_header":"","ocean_shortcode_after_header":"","ocean_has_shortcode":"","ocean_shortcode_after_title":"","ocean_shortcode_before_footer_widgets":"","ocean_shortcode_after_footer_widgets":"","ocean_shortcode_before_footer_bottom":"","ocean_shortcode_after_footer_bottom":"","ocean_display_top_bar":"default","ocean_display_header":"default","ocean_header_style":"","ocean_center_header_left_menu":"","ocean_custom_header_template":"","ocean_custom_logo":0,"ocean_custom_retina_logo":0,"ocean_custom_logo_max_width":0,"ocean_custom_logo_tablet_max_width":0,"ocean_custom_logo_mobile_max_width":0,"ocean_custom_logo_max_height":0,"ocean_custom_logo_tablet_max_height":0,"ocean_custom_logo_mobile_max_height":0,"ocean_header_custom_menu":"","ocean_menu_typo_font_family":"","ocean_menu_typo_font_subset":"","ocean_menu_typo_font_size":0,"ocean_menu_typo_font_size_tablet":0,"ocean_menu_typo_font_size_mobile":0,"ocean_menu_typo_font_size_unit":"px","ocean_menu_typo_font_weight":"","ocean_menu_typo_font_weight_tablet":"","ocean_menu_typo_font_weight_mobile":"","ocean_menu_typo_transform":"","ocean_menu_typo_transform_tablet":"","ocean_menu_typo_transform_mobile":"","ocean_menu_typo_line_height":0,"ocean_menu_typo_line_height_tablet":0,"ocean_menu_typo_line_height_mobile":0,"ocean_menu_typo_line_height_unit":"","ocean_menu_typo_spacing":0,"ocean_menu_typo_spacing_tablet":0,"ocean_menu_typo_spacing_mobile":0,"ocean_menu_typo_spacing_unit":"","ocean_menu_link_color":"","ocean_menu_link_color_hover":"","ocean_menu_link_color_active":"","ocean_menu_link_background":"","ocean_menu_link_hover_background":"","ocean_menu_link_active_background":"","ocean_menu_social_links_bg":"","ocean_menu_social_hover_links_bg":"","ocean_menu_social_links_color":"","ocean_menu_social_hover_links_color":"","ocean_disable_title":"default","ocean_disable_heading":"default","ocean_post_title":"","ocean_post_subheading":"","ocean_post_title_style":"","ocean_post_title_background_color":"","ocean_post_title_background":0,"ocean_post_title_bg_image_position":"","ocean_post_title_bg_image_attachment":"","ocean_post_title_bg_image_repeat":"","ocean_post_title_bg_image_size":"","ocean_post_title_height":0,"ocean_post_title_bg_overlay":0.5,"ocean_post_title_bg_overlay_color":"","ocean_disable_breadcrumbs":"default","ocean_breadcrumbs_color":"","ocean_breadcrumbs_separator_color":"","ocean_breadcrumbs_links_color":"","ocean_breadcrumbs_links_hover_color":"","ocean_display_footer_widgets":"default","ocean_display_footer_bottom":"default","ocean_custom_footer_template":"","ocean_post_oembed":"","ocean_post_self_hosted_media":"","ocean_post_video_embed":"","ocean_link_format":"","ocean_link_format_target":"self","ocean_quote_format":"","ocean_quote_format_link":"post","ocean_gallery_link_images":"on","ocean_gallery_id":[],"footnotes":""},"categories":[15],"tags":[],"class_list":["post-1127","post","type-post","status-publish","format-standard","hentry","category-finance","entry"],"_links":{"self":[{"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/posts\/1127","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/comments?post=1127"}],"version-history":[{"count":1,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/posts\/1127\/revisions"}],"predecessor-version":[{"id":1141,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/posts\/1127\/revisions\/1141"}],"wp:attachment":[{"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/media?parent=1127"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/categories?post=1127"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/tags?post=1127"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}