{"id":12021,"date":"2026-08-12T13:07:37","date_gmt":"2026-08-12T07:37:37","guid":{"rendered":"https:\/\/www.fatakpay.com\/blog\/?p=12021"},"modified":"2026-08-12T13:07:38","modified_gmt":"2026-08-12T07:37:38","slug":"mutual-fund-vs-ppf","status":"publish","type":"post","link":"https:\/\/www.fatakpay.com\/blog\/mutual-funds\/mutual-fund-vs-ppf\/","title":{"rendered":"Mutual Fund vs PPF:\u00a0Which Should You Choose?\u00a0"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">When it comes to long-term savings, most Indian households eventually weigh a market-linked&nbsp;option&nbsp;against a safe, government-backed one. This comparison of&nbsp;PPF vs mutual fund&nbsp;looks at returns, risk, liquidity, and tax treatment so you can decide which one, or what combination, suits your goals best.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">While PPF offers stable, government-backed returns with minimal risk, mutual funds provide the potential for higher long-term growth by investing in market-linked assets. Understanding the strengths and trade-offs of each option will help you build an investment strategy that aligns with your financial goals, investment horizon, and risk appetite.&nbsp;<\/p>\n\n\n\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:\/\/www.fatakpay.com\/blog\/mutual-funds\/mutual-fund-vs-ppf\/#Mutual_Fund_vs_PPF_Key_Differences\" >Mutual Fund vs PPF: Key Differences&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.fatakpay.com\/blog\/mutual-funds\/mutual-fund-vs-ppf\/#Returns_Risk_Compared\" >Returns &amp; Risk Compared&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.fatakpay.com\/blog\/mutual-funds\/mutual-fund-vs-ppf\/#Historical_Returns_A_Comparative_View\" >Historical Returns: A Comparative View&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.fatakpay.com\/blog\/mutual-funds\/mutual-fund-vs-ppf\/#Which_Should_You_Choose_or_Both\" >Which Should You Choose (or Both)?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.fatakpay.com\/blog\/mutual-funds\/mutual-fund-vs-ppf\/#Conclusion\" >Conclusion&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.fatakpay.com\/blog\/mutual-funds\/mutual-fund-vs-ppf\/#FAQs_on_Mutual_Fund_vs_PPF\" >FAQs on Mutual Fund vs PPF&nbsp;<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.fatakpay.com\/blog\/mutual-funds\/mutual-fund-vs-ppf\/#Is_PPF_better_than_mutual_funds\" >Is PPF better than mutual funds?&nbsp;&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.fatakpay.com\/blog\/mutual-funds\/mutual-fund-vs-ppf\/#What_return_does_PPF_give\" >What return does PPF give?&nbsp;&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.fatakpay.com\/blog\/mutual-funds\/mutual-fund-vs-ppf\/#Do_mutual_funds_have_a_lock-in\" >Do mutual funds have a lock-in?&nbsp;&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.fatakpay.com\/blog\/mutual-funds\/mutual-fund-vs-ppf\/#Which_is_safer\" >Which is safer?&nbsp;&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.fatakpay.com\/blog\/mutual-funds\/mutual-fund-vs-ppf\/#Can_I_invest_in_both\" >Can I invest in both?&nbsp;&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.fatakpay.com\/blog\/mutual-funds\/mutual-fund-vs-ppf\/#Which_is_more_tax-efficient\" >Which is more tax-efficient?&nbsp;&nbsp;<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Mutual_Fund_vs_PPF_Key_Differences\"><\/span>Mutual Fund vs PPF: Key Differences&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Both mutual funds and PPF are popular long-term investment options, but they differ significantly in terms of returns, risk, liquidity, lock-in period, and tax benefits. The table below compares their key features to help you choose the&nbsp;option&nbsp;that best aligns with your financial goals and investment preferences.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Basis<\/strong>&nbsp;<\/td><td><strong>Mutual Fund<\/strong>&nbsp;<\/td><td><strong>PPF<\/strong>&nbsp;<\/td><\/tr><tr><td>Returns&nbsp;<\/td><td>Market-linked, equity funds averaging&nbsp;roughly 12-15% long&nbsp;term&nbsp;<\/td><td>Fixed, currently around 7.1%&nbsp;<\/td><\/tr><tr><td>Risk&nbsp;<\/td><td>Moderate to high, depending on fund type&nbsp;<\/td><td>Very low, government-backed&nbsp;<\/td><\/tr><tr><td>Lock-in&nbsp;<\/td><td>None generally, except&nbsp;a 3-year lock-in for ELSS&nbsp;<\/td><td>15 years, with partial withdrawal allowed after year 6&nbsp;<\/td><\/tr><tr><td>Liquidity&nbsp;<\/td><td>High, redeemable anytime at NAV&nbsp;<\/td><td>Low, restricted until maturity or partial withdrawal windows&nbsp;<\/td><\/tr><tr><td>Tax Treatment&nbsp;<\/td><td>ELSS qualifies for Section 80C; gains are taxed&nbsp;<\/td><td>Fully tax-exempt under the EEE structure, with 80C benefit up to Rs. 1.5 lakh&nbsp;<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Returns_Risk_Compared\"><\/span>Returns &amp; Risk Compared&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Mutual funds, particularly equity-oriented ones, carry the potential for higher long-term growth because returns are tied to how the underlying market performs, which also means your investment value can fall during downturns. PPF, on the other hand, offers a government-declared fixed rate that does not fluctuate with the market, making it one of the safest long-term instruments available to Indian savers, though its lower ceiling means it will rarely outrun inflation-adjusted equity returns. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This trade-off between certainty and growth potential is really the crux of the entire decision, and it rarely has a single right answer for every investor.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Historical_Returns_A_Comparative_View\"><\/span>Historical Returns: A Comparative View&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Over rolling 15-year periods, well-managed equity mutual funds have historically delivered returns meaningfully higher than PPF, though with far greater year-to-year variability along the way. PPF&#8217;s rate is revised quarterly by the government and has hovered in a\u00a0relatively narrow\u00a0band for years, offering predictability rather than growth potential, which is precisely the trade-off long-term investors need to weigh. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Investors who started a PPF account decades ago have seen the rate move up and down with broader interest rate cycles, but never with anything close to the swings seen in equity markets over the same stretch.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Which_Should_You_Choose_or_Both\"><\/span>Which Should You Choose (or Both)?&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The right choice depends on your financial goals, investment horizon, and willingness to take risk. Use the following guidelines to decide whether PPF, mutual funds, or a combination of both is the best fit for your long-term financial plan:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Choose PPF if capital safety and predictable, tax-free growth matter more to you than chasing higher returns\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Choose mutual funds if you have a long investment horizon and can tolerate short-term volatility for potentially higher growth\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Many investors use both together, treating PPF as the safe core of their portfolio and mutual funds as the growth engine, and you can start whenever you like to\u00a0<strong><a href=\"https:\/\/www.fatakpay.com\/invest-in-mutual-funds\">invest in mutual funds<\/a><\/strong>\u00a0alongside\u00a0your\u00a0existing PPF account\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>If you are investing for retirement decades away, a combination lets you capture equity growth while still holding a guaranteed, tax-free\u00a0component\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Consider your own risk appetite and liquidity needs, since PPF&#8217;s 15-year lock-in is far longer than most mutual fund holding periods\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>If you plan to build the mutual fund side through monthly contributions,\u00a0the\u00a0<strong><a href=\"https:\/\/www.fatakpay.com\/calculator\/sip\">SIP calculator<\/a><\/strong>\u00a0can help you work out a realistic amount based on your target corpus\u00a0<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Neither PPF nor mutual funds are a complete answer on their own. PPF anchors your portfolio with safety and tax-free returns, while mutual funds bring the growth potential needed to beat inflation over the long run. If you want market-linked growth alongside your PPF contributions, you can start a mutual fund SIP with&nbsp;FatakPay&nbsp;and build both sides of your long-term plan together.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAQs_on_Mutual_Fund_vs_PPF\"><\/span>FAQs on Mutual Fund vs PPF&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Is_PPF_better_than_mutual_funds\"><\/span><strong>Is PPF better than mutual funds?<\/strong>&nbsp;&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">It depends on your goal. PPF is better for guaranteed, tax-free safety, while mutual funds are better suited for long-term growth potential.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_return_does_PPF_give\"><\/span><strong>What return does PPF give?<\/strong>&nbsp;&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">PPF currently offers a return of around 7.1%, though the rate is revised by the government every quarter and can change over time.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Do_mutual_funds_have_a_lock-in\"><\/span><strong>Do mutual funds have a lock-in?<\/strong>&nbsp;&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Most mutual funds have no lock-in and can be redeemed anytime, except ELSS funds, which carry a mandatory three-year lock-in for the Section 80C tax benefit.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Which_is_safer\"><\/span><strong>Which is safer?<\/strong>&nbsp;&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">PPF is significantly safer, since it is backed by the government and offers a fixed, guaranteed return regardless of market conditions.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Can_I_invest_in_both\"><\/span><strong>Can I invest in both?<\/strong>&nbsp;&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Yes, and many investors do exactly this, using\u00a0<a href=\"https:\/\/www.fatakpay.com\/blog\/learn-finance\/what-is-ppf\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>PPF<\/strong><\/a>\u00a0for safety and mutual funds for growth within the same overall financial plan.\u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Which_is_more_tax-efficient\"><\/span><strong>Which is more tax-efficient?<\/strong>&nbsp;&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">PPF is more tax-efficient upfront, since it follows the EEE structure where contributions, growth, and withdrawals are all exempt. You can check the exact numbers using a\u00a0<a href=\"https:\/\/www.fatakpay.com\/calculator\/ppf\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>PPF calculator<\/strong><\/a>\u00a0before deciding your allocation.\u00a0<\/p>\n\n\n\n<script type=\"application\/ld+json\"> \n\n{ \n\n  \"@context\": \"https:\/\/schema.org\/\", \n\n  \"@type\": \"BreadcrumbList\", \n\n  \"itemListElement\": [ \n\n    { \n\n      \"@type\": \"ListItem\", \n\n      \"position\": 1, \n\n      \"name\": \"Home\", \n\n      \"item\": \"https:\/\/www.fatakpay.com\" \n\n    }, \n\n    { \n\n      \"@type\": \"ListItem\", \n\n      \"position\": 2, \n\n      \"name\": \"Blog\", \n\n      \"item\": \"https:\/\/www.fatakpay.com\/blog\/\" \n\n    }, \n\n    { \n\n      \"@type\": \"ListItem\", \n\n      \"position\": 3, \n\n      \"name\": \"Mutual Funds\", \n\n      \"item\": \"https:\/\/www.fatakpay.com\/blog\/mutual-funds\/\" \n\n    }, \n\n    { \n\n      \"@type\": \"ListItem\", \n\n      \"position\": 4, \n\n      \"name\": \"Mutual Fund vs PPF: Which Should You Choose?\", \n\n      \"item\": \"https:\/\/www.fatakpay.com\/blog\/mutual-funds\/mutual-fund-vs-ppf\/\" \n\n    } \n\n  ] \n\n} \n\n<\/script> \n\n\n\n<script type=\"application\/ld+json\"> \n\n{ \n\n  \"@context\": \"https:\/\/schema.org\", \n\n  \"@type\": \"BlogPosting\", \n\n  \"mainEntityOfPage\": { \n\n    \"@type\": \"WebPage\", \n\n    \"@id\": \"https:\/\/www.fatakpay.com\/blog\/mutual-funds\/mutual-fund-vs-ppf\/\" \n\n  }, \n\n  \"headline\": \"Mutual Fund vs PPF: Which Is Better? | FatakPay\", \n\n  \"description\": \"Compare PPF vs mutual funds based on returns, risk, liquidity, lock-in period, tax benefits, and find out which option may suit your long-term financial goals.\", \n\n  \"image\": \"https:\/\/www.fatakpay.com\/navbar-assest\/Logo-2.png\",   \n\n  \"author\": { \n\n    \"@type\": \"Organization\", \n\n    \"name\": \"FatakPay\", \n\n    \"url\": \"https:\/\/www.fatakpay.com\" \n\n  },   \n\n  \"publisher\": { \n\n    \"@type\": \"Organization\", \n\n    \"name\": \"FatakPay\", \n\n    \"logo\": { \n\n      \"@type\": \"ImageObject\", \n\n      \"url\": \"https:\/\/www.fatakpay.com\/navbar-assest\/Logo-2.png\" \n\n    } \n\n  }, \n\n  \"datePublished\": \"2026-08-12\", \n\n  \"dateModified\": \"2026-08-12\" \n\n} \n\n<\/script>\n\n\n\n<script type=\"application\/ld+json\"> \n\n{ \n\n  \"@context\": \"https:\/\/schema.org\", \n\n  \"@type\": \"FAQPage\", \n\n  \"mainEntity\": [ \n\n    { \n\n      \"@type\": \"Question\", \n\n      \"name\": \"Is PPF better than mutual funds?\", \n\n      \"acceptedAnswer\": { \n\n        \"@type\": \"Answer\", \n\n        \"text\": \"It depends on your goal. 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You can check the exact numbers using a PPF calculator before deciding your allocation.\" \n\n      } \n\n    } \n\n  ] \n\n} \n\n<\/script> \n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>When it comes to long-term savings, most Indian households eventually weigh a market-linked&nbsp;option&nbsp;against a safe, government-backed one. This comparison of&nbsp;PPF vs mutual fund&nbsp;looks at returns, risk, liquidity, and tax treatment so you can decide which one, or what combination, suits your goals best.&nbsp;&nbsp; While PPF offers stable, government-backed returns with minimal risk, mutual funds provide<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[697],"tags":[],"class_list":["post-12021","post","type-post","status-publish","format-standard","category-mutual-funds"],"_links":{"self":[{"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/posts\/12021","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/comments?post=12021"}],"version-history":[{"count":1,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/posts\/12021\/revisions"}],"predecessor-version":[{"id":12022,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/posts\/12021\/revisions\/12022"}],"wp:attachment":[{"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/media?parent=12021"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/categories?post=12021"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/tags?post=12021"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}