{"id":11838,"date":"2026-05-14T07:08:18","date_gmt":"2026-05-14T07:08:18","guid":{"rendered":"https:\/\/lemonn.co.in\/blog\/?p=11838"},"modified":"2026-05-14T07:12:19","modified_gmt":"2026-05-14T07:12:19","slug":"retirement-planning-with-stocks-india","status":"publish","type":"post","link":"https:\/\/lemonn.co.in\/blog\/finance\/retirement-planning-with-stocks-india\/","title":{"rendered":"Retirement Planning with Stocks in India: The Complete 2026 Guide"},"content":{"rendered":"<figure class=\"wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"890\" height=\"593\" src=\"https:\/\/lemonn.co.in\/blog\/wp-content\/uploads\/2026\/05\/Retirement-Planning.png\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Retirement Planning with Stocks in India: The Complete 2026 Guide\" style=\"object-fit:cover;\" srcset=\"https:\/\/lemonn.co.in\/blog\/wp-content\/uploads\/2026\/05\/Retirement-Planning.png 890w, https:\/\/lemonn.co.in\/blog\/wp-content\/uploads\/2026\/05\/Retirement-Planning-300x200.png 300w, https:\/\/lemonn.co.in\/blog\/wp-content\/uploads\/2026\/05\/Retirement-Planning-768x512.png 768w, https:\/\/lemonn.co.in\/blog\/wp-content\/uploads\/2026\/05\/Retirement-Planning-150x100.png 150w\" sizes=\"auto, (max-width: 890px) 100vw, 890px\" \/><\/figure>\n\n\n<p>A growing number of Indians are realizing that the traditional retirement formula &#8211; PF, gratuity, and a small FD &#8211; will not be enough to fund 25\u201330 years of post-retirement life. Inflation, rising healthcare costs, and longer life expectancy mean you need a corpus that <strong>grows<\/strong>, not just one that sits in a bank.<\/p>\n\n\n\n<p>This is where equity comes in. Stocks and equity mutual funds have historically delivered the highest long-term returns of any asset class in India &#8211; and they belong in almost every retirement plan, even conservative ones.<\/p>\n\n\n\n<p>This guide walks through how to use stocks for retirement planning in India: how much corpus you need, how to build it, and how to draw down from it without running out.<\/p>\n\n\n\n<h2 id='why-retirement-planning-needs-equity'  id=\"boomdevs_1\" class=\"wp-block-heading\"><strong>Why retirement planning needs equity<\/strong><\/h2>\n\n\n\n<p>Indian household finance has traditionally relied on fixed deposits, real estate, and gold. The problem is mathematics:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Inflation in India<\/strong> has averaged ~6% over the past two decades<\/li>\n\n\n\n<li><strong>FD returns<\/strong> are 6\u20137% (pre-tax) &#8211; barely keeping pace with inflation, and losing after tax<\/li>\n\n\n\n<li><strong>Equity returns<\/strong> (Nifty 50) have averaged ~11\u201314% CAGR over 20+ year periods<\/li>\n<\/ul>\n\n\n\n<p>A portfolio that does not have <strong>at least 30\u201350% in equities<\/strong> during the accumulation phase is unlikely to outpace inflation enough to fund retirement.<\/p>\n\n\n\n<p>EPF (Employees\u2019 Provident Fund) and PPF give safety, but their returns are insufficient on their own. Adding equity is not optional &#8211; it is mandatory math.<\/p>\n\n\n\n<h2 id='step-1-calculate-your-retirement-corpus'  id=\"boomdevs_2\" class=\"wp-block-heading\"><strong>Step 1: Calculate your retirement corpus<\/strong><\/h2>\n\n\n\n<p>The rough formula every Indian should know:<\/p>\n\n\n\n<p><strong>Retirement Corpus = Annual Post-Retirement Expense \u00d7 25 to 33<\/strong><\/p>\n\n\n\n<p>The multiplier comes from a \u201csafe withdrawal rate\u201d of 3% to 4% &#8211; i.e., if you withdraw 4% of your corpus per year, it should last 25+ years.<\/p>\n\n\n\n<p>A worked example for a typical urban family:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Current monthly expense: \u20b950,000<\/li>\n\n\n\n<li>Expected retirement age: 60<\/li>\n\n\n\n<li>Current age: 35<\/li>\n\n\n\n<li>Years to retirement: 25<\/li>\n\n\n\n<li>Inflation: 6% per year<\/li>\n<\/ul>\n\n\n\n<p>Future monthly expense at 60: \u20b950,000 \u00d7 (1.06)^25 \u2248 \u20b92,15,000 Future annual expense: \u20b925.8 lakh Required corpus (\u00d730): <strong>~\u20b97.7 crore<\/strong><\/p>\n\n\n\n<p>That number scares most people. The good news: you do not need to save \u20b97 crore from your salary &#8211; you need a portfolio that <em>grows to<\/em> \u20b97 crore through compounding.<\/p>\n\n\n\n<p>Required monthly SIP at 12% return for 25 years: <strong>~\u20b940,000\/month<\/strong>. At 14% return, it drops to ~\u20b930,000\/month. At 10%, it rises to ~\u20b954,000\/month.<\/p>\n\n\n\n<p>Use any free retirement calculator (Groww, ETMoney, Value Research) to model your own numbers.<\/p>\n\n\n\n<h2 id='step-2-choose-the-right-asset-mix-by-age'  id=\"boomdevs_3\" class=\"wp-block-heading\"><strong>Step 2: Choose the right asset mix by age<\/strong><\/h2>\n\n\n\n<p>A common rule of thumb: <strong>% in equity = 100 \u2212 your age<\/strong> (adjust for risk tolerance).<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>Age<\/td><td>Equity<\/td><td>Debt<\/td><td>Gold<\/td><td>Rationale<\/td><\/tr><tr><td>25\u201335<\/td><td>80%<\/td><td>15%<\/td><td>5%<\/td><td>Maximum compounding period; ride volatility<\/td><\/tr><tr><td>35\u201345<\/td><td>70%<\/td><td>25%<\/td><td>5%<\/td><td>Wealth accumulation, slight de-risking<\/td><\/tr><tr><td>45\u201355<\/td><td>55%<\/td><td>35%<\/td><td>10%<\/td><td>Approaching retirement, preserve gains<\/td><\/tr><tr><td>55\u201360<\/td><td>40%<\/td><td>50%<\/td><td>10%<\/td><td>Capital preservation phase<\/td><\/tr><tr><td>60\u201370<\/td><td>30%<\/td><td>60%<\/td><td>10%<\/td><td>Income generation with growth cushion<\/td><\/tr><tr><td>70+<\/td><td>20%<\/td><td>75%<\/td><td>5%<\/td><td>Liquidity and stability<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>The exact split is less important than <strong>having a plan and rebalancing annually<\/strong>. Most retail investors get this wrong &#8211; they hold 100% FDs at 30 (too conservative) or 100% small caps at 60 (too risky).<\/p>\n\n\n\n<h2 id='step-3-build-the-equity-portion-indian-instruments'  id=\"boomdevs_4\" class=\"wp-block-heading\"><strong>Step 3: Build the equity portion (Indian instruments)<\/strong><\/h2>\n\n\n\n<p>For most Indians, the equity portion of retirement should sit in:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Index funds \/ ETFs (60\u201370% of equity allocation)<\/strong><\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Nifty 50 Index Fund or NIFTYBEES<\/li>\n\n\n\n<li>Nifty Next 50 Index Fund or NEXT50<\/li>\n\n\n\n<li>Possibly Nifty Midcap 150 Index for higher growth<\/li>\n<\/ul>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li><strong>Actively managed flexi-cap fund (20\u201330%)<\/strong><\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Parag Parikh Flexi Cap, HDFC Flexi Cap, Quant Active are popular picks<\/li>\n<\/ul>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li><strong>International equity (10\u201315%)<\/strong><\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Motilal Oswal Nasdaq 100 ETF, Mirae Asset NYSE FANG+ for global diversification<\/li>\n<\/ul>\n\n\n\n<p>Stick to <strong>direct plans<\/strong> &#8211; over a 25-year retirement timeline, the difference between regular and direct expense ratios compounds into 25\u201330% more corpus. App-based brokers like <a href=\"https:\/\/lemonn.co.in\/\">Lemonn<\/a> let you automate SIPs in mutual funds and ETFs from a single Demat &#8211; and their Power SIP feature also lets you SIP directly into individual stocks for the satellite portion of your portfolio.<\/p>\n\n\n\n<h2 id='step-4-build-the-debt-and-safety-portion'  id=\"boomdevs_5\" class=\"wp-block-heading\"><strong>Step 4: Build the debt and safety portion<\/strong><\/h2>\n\n\n\n<p>For the debt portion, Indians have excellent options:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>EPF \/ VPF<\/strong> &#8211; Tax-free returns of ~8% with employer matching<\/li>\n\n\n\n<li><strong>PPF<\/strong> &#8211; 15-year lock-in, ~7.1% tax-free, \u20b91.5 lakh annual limit<\/li>\n\n\n\n<li><strong>NPS Tier 1<\/strong> &#8211; Long-term retirement product with equity exposure (up to 75% in equity for younger investors), tax benefits up to \u20b950,000 extra under 80CCD(1B)<\/li>\n\n\n\n<li><strong>Government securities (G-Sec)<\/strong> &#8211; Risk-free, available via RBI Retail Direct or gilt mutual funds<\/li>\n\n\n\n<li><strong>Senior Citizen Savings Scheme (SCSS)<\/strong> &#8211; Post-retirement product, ~8.2% return, quarterly payouts<\/li>\n<\/ul>\n\n\n\n<p>A typical \u201cdebt stack\u201d for a 40-year-old:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>EPF (mandatory if salaried) &#8211; base layer<\/li>\n\n\n\n<li>PPF &#8211; \u20b91.5 lakh\/year for tax-saving + retirement<\/li>\n\n\n\n<li>NPS Tier 1 &#8211; \u20b950,000\/year for extra 80CCD(1B) deduction<\/li>\n\n\n\n<li>Optional gilt or short-term debt mutual fund for liquidity buffer<\/li>\n<\/ul>\n\n\n\n<h2 id='step-5-nps-vs-pure-equity-sips'  id=\"boomdevs_6\" class=\"wp-block-heading\"><strong>Step 5: NPS vs pure equity SIPs<\/strong><\/h2>\n\n\n\n<p>The NPS (National Pension System) is India\u2019s flagship retirement product, but it has trade-offs.<\/p>\n\n\n\n<p><strong>Pros of NPS:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Extra \u20b950,000 tax deduction under 80CCD(1B) (over and above 80C)<\/li>\n\n\n\n<li>Forced lock-in until 60 &#8211; disciplined saving<\/li>\n\n\n\n<li>Low fund management cost (under 0.1% in many schemes)<\/li>\n\n\n\n<li>Choice of equity \/ corporate bond \/ G-Sec allocation<\/li>\n<\/ul>\n\n\n\n<p><strong>Cons of NPS:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Up to 60% of corpus tax-free at withdrawal; the remaining 40% must be used to buy an annuity (annuity income is taxable)<\/li>\n\n\n\n<li>Less flexible than mutual funds<\/li>\n\n\n\n<li>Annuity returns are typically modest (5\u20136%)<\/li>\n<\/ul>\n\n\n\n<p><strong>Recommendation:<\/strong> Use NPS to maximize the \u20b950,000 extra deduction. Beyond that, build retirement corpus through equity mutual fund SIPs &#8211; they offer better flexibility, no annuity compulsion, and (with direct plans) competitive costs.<\/p>\n\n\n\n<h2 id='step-6-the-accumulation-phase-years-1-to-20'  id=\"boomdevs_7\" class=\"wp-block-heading\"><strong>Step 6: The accumulation phase (Years 1 to 20)<\/strong><\/h2>\n\n\n\n<p>This is the \u201cboring\u201d part &#8211; and the most important. Your only job is to:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Maintain a high SIP rate<\/strong> (15\u201325% of gross income)<\/li>\n\n\n\n<li><strong>Increase SIP by 5\u201310% every year<\/strong> with salary hikes<\/li>\n\n\n\n<li><strong>Rebalance to target allocation<\/strong> once a year<\/li>\n\n\n\n<li><strong>Do nothing during market crashes<\/strong> except continue SIPs<\/li>\n\n\n\n<li><strong>Avoid lifestyle inflation<\/strong> more aggressively than market crashes<\/li>\n<\/ol>\n\n\n\n<p>A 35-year-old earning \u20b912 lakh\/year who invests \u20b93.6 lakh\/year (30%), increases SIP by 8% yearly, and earns 12% CAGR will accumulate roughly \u20b93.5\u20134 crore by age 60.<\/p>\n\n\n\n<p>The single biggest determinant of retirement success is <strong>savings rate<\/strong>, not stock picking.<\/p>\n\n\n\n<h2 id='step-7-the-de-risking-phase-years-20-to-25'  id=\"boomdevs_8\" class=\"wp-block-heading\"><strong>Step 7: The de-risking phase (Years 20 to 25)<\/strong><\/h2>\n\n\n\n<p>5 years before retirement, start gradually shifting from equity to debt. <strong>Do not do this all at once<\/strong> &#8211; that would expose you to selling-low risk in a bear market.<\/p>\n\n\n\n<p>A simple glide path:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Year 25 of retirement plan (age 55):<\/strong> Move 5% from equity to debt<\/li>\n\n\n\n<li><strong>Year 26:<\/strong> Move another 5%<\/li>\n\n\n\n<li><strong>Year 27\u201330:<\/strong> Continue moving 5% each year<\/li>\n<\/ul>\n\n\n\n<p>By age 60, you should be at ~40% equity \/ 60% debt &#8211; enough debt for stability, enough equity for inflation protection.<\/p>\n\n\n\n<h2 id='step-8-the-drawdown-phase-after-retirement'  id=\"boomdevs_9\" class=\"wp-block-heading\"><strong>Step 8: The drawdown phase (After retirement)<\/strong><\/h2>\n\n\n\n<p>Once retired, your portfolio shifts from growth to income generation. A common approach:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Bucket 1 (Years 1\u20132 expenses):<\/strong> Liquid funds, FDs &#8211; instant access<\/li>\n\n\n\n<li><strong>Bucket 2 (Years 3\u20137 expenses):<\/strong> Short-term debt funds, conservative hybrid funds<\/li>\n\n\n\n<li><strong>Bucket 3 (Years 8+ expenses):<\/strong> Equity index funds &#8211; continues to grow<\/li>\n<\/ul>\n\n\n\n<p>Refill Bucket 1 from Bucket 2 annually; refill Bucket 2 from Bucket 3 every 3\u20135 years.<\/p>\n\n\n\n<p>The <strong>4% rule<\/strong> (popular in the US) translates roughly to a 3.5\u20134% safe withdrawal rate for Indian inflation conditions. So a \u20b95 crore corpus supports \u20b917\u201320 lakh\/year of withdrawals indefinitely if invested correctly.<\/p>\n\n\n\n<h2 id='common-retirement-planning-mistakes'  id=\"boomdevs_10\" class=\"wp-block-heading\"><strong>Common retirement-planning mistakes<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Relying only on EPF + gratuity.<\/strong> Most salaried Indians retire with \u20b950 lakh\u2013\u20b91 crore from EPF, which lasts 5\u20138 years. Add equity SIPs early.<\/li>\n\n\n\n<li><strong>Buying endowment \/ pension insurance plans.<\/strong> Most insurance \u201cpension plans\u201d return 4\u20136%. Term insurance + equity SIP almost always wins.<\/li>\n\n\n\n<li><strong>Real estate as the entire retirement plan.<\/strong> Illiquid, hard to drawdown income, and Indian real estate has under-performed equity over 20-year horizons in many cities.<\/li>\n\n\n\n<li><strong>Stopping SIPs in market crashes.<\/strong> The single most expensive mistake. The corpus you accumulate in bear markets is your highest-return capital.<\/li>\n\n\n\n<li><strong>Not accounting for healthcare inflation.<\/strong> Medical inflation in India runs at 10\u201314%. Have a separate health insurance cover of at least \u20b925 lakh (preferably \u20b950 lakh family floater for senior care).<\/li>\n<\/ul>\n\n\n\n<h2 id='a-simple-retirement-readiness-checklist'  id=\"boomdevs_11\" class=\"wp-block-heading\"><strong>A simple retirement readiness checklist<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>I have calculated my retirement corpus number (\u20b9X crore)<\/li>\n\n\n\n<li>I have a target equity allocation by age<\/li>\n\n\n\n<li>I save at least 20% of income for retirement (across EPF + PPF + SIPs + NPS)<\/li>\n\n\n\n<li>I have a 6-month emergency fund (separate from retirement)<\/li>\n\n\n\n<li>I have a term insurance cover of 10\u201315\u00d7 annual income<\/li>\n\n\n\n<li>I have health insurance of at least \u20b925 lakh<\/li>\n\n\n\n<li>I rebalance my portfolio annually<\/li>\n\n\n\n<li>I have nominees registered on every retirement account<\/li>\n<\/ul>\n\n\n\n<p>If you can tick 6 out of 8, you are ahead of 95% of Indian retail investors.<\/p>\n\n\n\n<h2 id='faqs'  id=\"boomdevs_12\" class=\"wp-block-heading\"><strong>FAQ<\/strong>s<\/h2>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1778742568342\" class=\"rank-math-list-item\">\n<h3 id='q-how-much-should-i-invest-monthly-to-retire-with-\u20b95-crore'  id=\"boomdevs_13\" class=\"rank-math-question \">Q. <strong>How much should I invest monthly to retire with \u20b95 crore?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Assuming 12% CAGR and 25 years to retirement, you need ~\u20b927,000\/month. At 30 years and 12%, it drops to ~\u20b915,000\/month. Time horizon matters more than amount.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1778742580314\" class=\"rank-math-list-item\">\n<h3 id='q-is-nps-better-than-equity-mutual-funds-for-retirement'  id=\"boomdevs_14\" class=\"rank-math-question \"><strong>Q. Is NPS better than equity mutual funds for retirement?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>NPS gives an extra \u20b950,000 tax deduction (80CCD(1B)) which is valuable. But it forces 40% of the corpus into annuity. A combination &#8211; max NPS up to the deduction, plus equity SIPs for the rest &#8211; usually works best.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1778742689539\" class=\"rank-math-list-item\">\n<h3 id='q-can-i-retire-on-just-epf-and-ppf'  id=\"boomdevs_15\" class=\"rank-math-question \">Q. <strong>Can I retire on just EPF and PPF?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>For most middle-class Indians, EPF + PPF alone will not be enough due to inflation. Adding equity SIPs is essential to build a 25\u201330 year retirement corpus.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1778742699422\" class=\"rank-math-list-item\">\n<h3 id='q-when-should-i-start-de-risking-my-retirement-portfolio'  id=\"boomdevs_16\" class=\"rank-math-question \">Q. <strong>When should I start de-risking my retirement portfolio?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>About 5 years before retirement, start a glide path that gradually moves 5% per year from equity to debt. Avoid moving everything at once.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1778742708439\" class=\"rank-math-list-item\">\n<h3 id='q-what-is-the-safe-withdrawal-rate-in-india-for-retirees'  id=\"boomdevs_17\" class=\"rank-math-question \">Q. <strong>What is the safe withdrawal rate in India for retirees?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>3.5\u20134% per year is a reasonable starting point for Indian retirees, assuming 6\u20137% inflation and balanced asset allocation. Higher withdrawal rates risk running out of money in long retirements.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n<h2 id='conclusion'  id=\"boomdevs_18\" class=\"wp-block-heading\"><strong>Conclusion<\/strong><\/h2>\n\n\n\n<p>A successful retirement is engineered, not stumbled into. The math is clear: equity exposure is essential, SIPs are the cleanest way to build it, and discipline through market cycles matters more than clever stock picking. If you are under 40, the best move you can make today is to <strong>automate a high-percentage SIP into Nifty 50 + Flexi Cap funds and forget it for 20 years<\/strong>.<\/p>\n\n\n\n<p>Start with a quick retirement number calculation, open a Demat if you do not have one (apps like <a href=\"https:\/\/lemonn.co.in\/\">Lemonn<\/a> offer zero-AMC accounts that take a few minutes to activate), and set up your first SIP. Future you &#8211; at 60, with options and dignity &#8211; is the person you are really working for. For a deeper look at the accumulation phase, read our SIP vs lump sum guide.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A growing number of Indians are realizing that the traditional retirement formula &#8211; PF, gratuity, and a small FD &#8211; will not be enough to fund 25\u201330 years of post-retirement life. Inflation, rising healthcare costs, and longer life expectancy mean you need a corpus that grows, not just one that sits in a bank. This [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":11825,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_ayudawp_aiss_exclude":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-11838","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance"],"blocksy_meta":[],"_links":{"self":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/posts\/11838","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/comments?post=11838"}],"version-history":[{"count":2,"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/posts\/11838\/revisions"}],"predecessor-version":[{"id":11891,"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/posts\/11838\/revisions\/11891"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/media\/11825"}],"wp:attachment":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/media?parent=11838"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/categories?post=11838"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/tags?post=11838"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}