{"id":26919,"date":"2026-10-26T15:38:52","date_gmt":"2026-10-26T10:08:52","guid":{"rendered":"https:\/\/vajiramias.com\/upsc\/?p=26919"},"modified":"2026-10-26T15:38:52","modified_gmt":"2026-10-26T10:08:52","slug":"national-pension-system","status":"publish","type":"post","link":"https:\/\/vajiramias.com\/upsc\/national-pension-system\/","title":{"rendered":"National Pension System (NPS), Features, Benefits and Taxation"},"content":{"rendered":"<p><span style=\"font-weight: 400\">The National Pension System (NPS) is a defined-contribution, market-linked retirement savings scheme regulated by the Pension Fund Regulatory and Development Authority (PFRDA). It enables subscribers to build a retirement corpus through regular contributions and investments in different asset classes. Its key features include portability, flexible investment choices and tax benefits, subject to applicable rules.\u00a0<\/span><\/p>\r\n<h2><b>What is National Pension System?<\/b><\/h2>\r\n<p><span style=\"font-weight: 400\">The National Pension System (NPS) is a retirement savings scheme that helps individuals build a fund for their retirement.<\/span><\/p>\r\n<ul>\r\n\t<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Subscribers contribute money during their working years.<\/span><\/li>\r\n\t<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">The contributions are invested in permitted financial instruments to build a retirement corpus.<\/span><\/li>\r\n\t<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">At exit, subscribers can withdraw the permitted lump-sum amount, while a portion may have to be used to purchase an annuity under applicable rules.<\/span><\/li>\r\n\t<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">NPS is regulated by the Pension Fund Regulatory and Development Authority (PFRDA) under the PFRDA Act, 2013.<\/span><\/li>\r\n\t<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">It was introduced for Central Government employees joining service on or after 1 January 2004, except the armed forces, and was subsequently extended to other categories.<\/span><\/li>\r\n<\/ul>\r\n<h2><b>National Pension System Key Features\u00a0<\/b><\/h2>\r\n<p><span style=\"font-weight: 400\">National Pension System has several features that help subscribers save for retirement, manage investments and access pension-related services.<\/span><\/p>\r\n<h3><b>1. Eligibility and Coverage<\/b><\/h3>\r\n<ul>\r\n\t<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Available to eligible individuals under the applicable PFRDA rules.<\/span><\/li>\r\n\t<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Covers eligible Central Government employees recruited on or after 1 January 2004, except the armed forces.<\/span><\/li>\r\n\t<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Several State Governments have also adopted NPS for their employees.<\/span><\/li>\r\n\t<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">The All Citizen Model enables eligible individuals to join voluntarily.<\/span><\/li>\r\n\t<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Corporate-sector participation allows eligible employers to facilitate NPS for their employees.<\/span><\/li>\r\n<\/ul>\r\n<h3><b>2. Permanent Retirement Account Number (PRAN)<\/b><\/h3>\r\n<ul>\r\n\t<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Each subscriber receives a Permanent Retirement Account Number (PRAN).<\/span><\/li>\r\n\t<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">It identifies the subscriber\u2019s NPS account and supports account portability across eligible employment and location changes.<\/span><\/li>\r\n<\/ul>\r\n<h3><b>3. Types of Accounts<\/b><\/h3>\r\n<ul>\r\n\t<li style=\"font-weight: 400\"><b>Tier-I: <\/b><span style=\"font-weight: 400\">The primary retirement account, subject to prescribed withdrawal and exit conditions.<\/span><\/li>\r\n\t<li style=\"font-weight: 400\"><b>Tier-II: <\/b><span style=\"font-weight: 400\">An optional investment account that generally allows more flexible withdrawals, subject to applicable rules.<\/span><\/li>\r\n<\/ul>\r\n<h3><b>4. Investment Options<\/b><\/h3>\r\n<p><span style=\"font-weight: 400\">National Pension System contributions are invested through regulated pension funds in permitted asset classes.<\/span><\/p>\r\n<table style=\"width: 85.6523%;height: 292px\">\r\n<tbody>\r\n<tr>\r\n<td class=\"tb-color\">\r\n<p><b>Asset class<\/b><\/p>\r\n<\/td>\r\n<td class=\"tb-color\">\r\n<p><b>Nature of investment<\/b><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><span style=\"font-weight: 400\">Equity (E)<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400\">Investments linked to company shares; involves market risk.<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><span style=\"font-weight: 400\">Corporate Debt (C)<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400\">Debt instruments issued by companies.<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><span style=\"font-weight: 400\">Government Securities (G)<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400\">Securities issued by the government.<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><span style=\"font-weight: 400\">Alternative Investment Funds (A)<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400\">Permitted alternative investments, subject to applicable limits.<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<p>&nbsp;<\/p>\r\n<p><b>Subscribers may select:<\/b><\/p>\r\n<ul>\r\n\t<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Active Choice: The subscriber decides the allocation among permitted asset classes.<\/span><\/li>\r\n\t<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Auto Choice: Asset allocation follows a selected life-cycle option under the applicable rules.<\/span><\/li>\r\n<\/ul>\r\n<h3><b>5. Portability and Transparency<\/b><\/h3>\r\n<ul>\r\n\t<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">PRAN enables continuity of the account across eligible employment and location changes.<\/span><\/li>\r\n\t<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Subscribers can monitor contributions and account details through authorised platforms.<\/span><\/li>\r\n\t<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">NPS operates through a regulated network of intermediaries.<\/span><\/li>\r\n<\/ul>\r\n<h2><b>Structure of the NPS System<\/b><\/h2>\r\n<p><span style=\"font-weight: 400\">National Pension System operates through a network of regulatory bodies and authorised intermediaries that manage accounts, investments and subscriber services.<\/span><\/p>\r\n<table style=\"width: 86.7108%;height: 497px\">\r\n<tbody>\r\n<tr>\r\n<td class=\"tb-color\">\r\n<p><b>Institution<\/b><\/p>\r\n<\/td>\r\n<td class=\"tb-color\">\r\n<p><b>Function<\/b><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><span style=\"font-weight: 400\">PFRDA<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400\">Regulates and supervises NPS.<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><span style=\"font-weight: 400\">NPS Trust<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400\">Oversees pension assets in the interests of subscribers.<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><span style=\"font-weight: 400\">Points of Presence (PoPs)<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400\">Facilitate registration and subscriber services.<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><span style=\"font-weight: 400\">Central Recordkeeping Agency (CRA)<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400\">Maintains subscriber records and account information.<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><span style=\"font-weight: 400\">Pension Funds<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400\">Invest contributions according to the selected investment options.<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><span style=\"font-weight: 400\">Trustee Bank<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400\">Facilitates the movement of funds within the system.<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><span style=\"font-weight: 400\">Custodian<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400\">Safeguards securities held by pension funds.<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><span style=\"font-weight: 400\">Annuity Service Providers (ASPs)<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400\">Provide annuity products to eligible subscribers at exit.<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<h2><b>Contributions and Retirement Corpus<\/b><\/h2>\r\n<ul>\r\n\t<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">A contribution is the amount deposited into an NPS account by the subscriber or, where applicable, the employer.<\/span><\/li>\r\n\t<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Contributions are invested through a pension fund.<\/span><\/li>\r\n\t<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">The retirement corpus is the total accumulated value of the account.<\/span><\/li>\r\n\t<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Its value depends on contributions, market performance, charges and the investment period.<\/span><\/li>\r\n<\/ul>\r\n<h2><b>Withdrawal and Exit Rules<\/b><\/h2>\r\n<p><span style=\"font-weight: 400\">NPS withdrawals are governed by PFRDA regulations. Conditions vary by subscriber category and the type of exit.<\/span><\/p>\r\n<ul>\r\n\t<li style=\"font-weight: 400\"><b>Partial withdrawal:<\/b><span style=\"font-weight: 400\"> Permits withdrawal of part of the accumulated savings for specified purposes, subject to conditions.<\/span><\/li>\r\n\t<li style=\"font-weight: 400\"><b>Premature exit:<\/b><span style=\"font-weight: 400\"> Refers to exit before the prescribed normal-exit conditions are met. Specific withdrawal and annuity requirements apply.<\/span><\/li>\r\n\t<li style=\"font-weight: 400\"><b>Normal exit: <\/b><span style=\"font-weight: 400\">Takes place when the subscriber meets the applicable retirement or exit conditions.<\/span><\/li>\r\n\t<li style=\"font-weight: 400\"><b>Continuation or deferred withdrawal: <\/b><span style=\"font-weight: 400\">May be permitted for eligible subscribers under prescribed rules.<\/span><\/li>\r\n\t<li style=\"font-weight: 400\"><b>Death of subscriber: <\/b><span style=\"font-weight: 400\">The accumulated pension wealth is dealt with according to the applicable regulations and nomination details.<\/span><\/li>\r\n<\/ul>\r\n<p><span style=\"font-weight: 400\">The exact lump-sum withdrawal limits, annuity requirements and corpus thresholds should be checked against the latest rules for the relevant subscriber category.<\/span><\/p>\r\n<h2><b>Annuity under National Pension System\u00a0\u00a0<\/b><\/h2>\r\n<ul>\r\n\t<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">An annuity is a financial product that provides regular payments in return for an amount invested with an annuity provider.<\/span><\/li>\r\n\t<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">At exit, eligible subscribers may have to use a prescribed portion of their corpus to purchase an annuity.<\/span><\/li>\r\n\t<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">The amount received depends on the investment, annuity option and rates offered by the provider.<\/span><\/li>\r\n\t<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Annuity income is generally taxable under the applicable income-tax provisions.<\/span><\/li>\r\n<\/ul>\r\n<h2><b>Tax Benefits under National Pension System<\/b><\/h2>\r\n<p><span style=\"font-weight: 400\">Tax benefits depend on the subscriber\u2019s category, type of contribution and applicable tax regime.<\/span><\/p>\r\n<ul>\r\n\t<li style=\"font-weight: 400\"><b>Section 80CCD(1):<\/b><span style=\"font-weight: 400\"> Provides a deduction for eligible individual contributions, subject to prescribed limits and conditions.<\/span><\/li>\r\n\t<li style=\"font-weight: 400\"><b>Section 80CCD(1B): <\/b><span style=\"font-weight: 400\">Provides an additional deduction of up to \u20b950,000 for eligible NPS contributions, subject to applicable rules.<\/span><\/li>\r\n\t<li style=\"font-weight: 400\"><b>Section 80CCD(2): <\/b><span style=\"font-weight: 400\">Provides a deduction for eligible employer contributions, subject to prescribed limits and conditions.<\/span><\/li>\r\n<\/ul>\r\n<p><span style=\"font-weight: 400\">The availability of deductions differs under the old and new income-tax regimes. The tax treatment of withdrawals and annuity income is governed by the applicable provisions.<\/span><\/p>\r\n<h2><b>National Pension System Benefits\u00a0<\/b><\/h2>\r\n<p><span style=\"font-weight: 400\">NPS supports retirement planning through long-term savings, investment choices, portability and potential tax benefits.<\/span><\/p>\r\n<ul>\r\n\t<li style=\"font-weight: 400\"><b>Retirement security: <\/b><span style=\"font-weight: 400\">Encourages long-term savings for old age.<\/span><\/li>\r\n\t<li style=\"font-weight: 400\"><b>Investment flexibility:<\/b><span style=\"font-weight: 400\"> Provides choices across permitted asset classes.<\/span><\/li>\r\n\t<li style=\"font-weight: 400\"><b>Portability: <\/b><span style=\"font-weight: 400\">Supports continuity of the account across eligible employment and location changes.<\/span><\/li>\r\n\t<li style=\"font-weight: 400\"><b>Regulatory oversight: <\/b><span style=\"font-weight: 400\">Operates under the PFRDA framework.<\/span><\/li>\r\n\t<li style=\"font-weight: 400\"><b>Tax benefits:<\/b><span style=\"font-weight: 400\"> Offers deductions subject to applicable conditions.<\/span><\/li>\r\n\t<li style=\"font-weight: 400\"><b>Potential regular income: <\/b><span style=\"font-weight: 400\">Annuity products can provide periodic payments after retirement.<\/span><\/li>\r\n<\/ul>\r\n<h2><b>National Pension System Challenges and Limitations<\/b><\/h2>\r\n<p><span style=\"font-weight: 400\">Despite its retirement-planning benefits, NPS has limitations related to market risk, withdrawal restrictions, annuity returns and tax rules.<\/span><\/p>\r\n<ul>\r\n\t<li style=\"font-weight: 400\"><b>Market risk:<\/b><span style=\"font-weight: 400\"> Returns are not guaranteed.<\/span><\/li>\r\n\t<li style=\"font-weight: 400\"><b>Withdrawal restrictions:<\/b><span style=\"font-weight: 400\"> Access to accumulated savings is subject to prescribed conditions.<\/span><\/li>\r\n\t<li style=\"font-weight: 400\"><b>Annuity-related limitations: <\/b><span style=\"font-weight: 400\">Payments depend on the product and rates available at the time of purchase.<\/span><\/li>\r\n\t<li style=\"font-weight: 400\"><b>Tax complexity: <\/b><span style=\"font-weight: 400\">Benefits vary according to the tax regime and applicable provisions.<\/span><\/li>\r\n\t<li style=\"font-weight: 400\"><b>Retirement adequacy<\/b><span style=\"font-weight: 400\">: The final corpus may be affected by contribution levels, investment performance and inflation.<\/span><\/li>\r\n<\/ul>\r\n<h2><b>National Pension System and Other Retirement Schemes<\/b><\/h2>\r\n<p><span style=\"font-weight: 400\">NPS differs from EPF, PPF and APY in its investment structure, returns, eligibility and withdrawal conditions.<\/span><\/p>\r\n<table>\r\n<tbody>\r\n<tr>\r\n<td class=\"tb-color\">\r\n<p><b>Feature<\/b><\/p>\r\n<\/td>\r\n<td class=\"tb-color\">\r\n<p><b>NPS<\/b><\/p>\r\n<\/td>\r\n<td class=\"tb-color\">\r\n<p><b>EPF<\/b><\/p>\r\n<\/td>\r\n<td class=\"tb-color\">\r\n<p><b>PPF<\/b><\/p>\r\n<\/td>\r\n<td class=\"tb-color\">\r\n<p><b>Atal Pension Yojana (APY)<\/b><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><span style=\"font-weight: 400\">Main objective<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400\">Retirement corpus<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400\">Retirement savings for eligible employees<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400\">Long-term savings<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400\">Pension for eligible subscribers<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><span style=\"font-weight: 400\">Returns or benefits<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400\">Market-linked<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400\">Based on the notified EPF interest rate<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400\">Based on the notified PPF interest rate<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400\">Pension determined by scheme rules<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><span style=\"font-weight: 400\">Administration<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400\">PFRDA<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400\">Employees\u2019 Provident Fund Organisation (EPFO)<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400\">Government small-savings framework<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400\">PFRDA-administered pension scheme<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><span style=\"font-weight: 400\">Withdrawal<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400\">Subject to NPS rules<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400\">Subject to EPF rules<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400\">Subject to PPF rules<\/span><\/p>\r\n<\/td>\r\n<td>\r\n<p><span style=\"font-weight: 400\">Subject to APY rules<\/span><\/p>\r\n<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<h2><b>Way Forward<\/b><\/h2>\r\n<p><span style=\"font-weight: 400\">Greater awareness, financial literacy and transparent subscriber services can improve the effectiveness of NPS as a retirement savings mechanism.<\/span><\/p>\r\n<ul>\r\n\t<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Improve financial literacy regarding investment risks, annuity products and withdrawal conditions.<\/span><\/li>\r\n\t<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Expand awareness of retirement planning among workers in the formal and informal sectors.<\/span><\/li>\r\n\t<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Strengthen digital access, grievance redressal and subscriber services.<\/span><\/li>\r\n\t<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Ensure clear communication of changing pension and tax regulations.<\/span><\/li>\r\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>National Pension System (NPS) is a market-linked retirement savings scheme regulated by PFRDA. Learn about its key features, eligibility, tax benefits, withdrawals and risks.<\/p>\n","protected":false},"author":41,"featured_media":26932,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1787],"tags":[1816,1817],"class_list":{"0":"post-26919","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-current-affairs","8":"tag-national-pension-system","9":"tag-nps"},"acf":[],"_links":{"self":[{"href":"https:\/\/vajiramias.com\/upsc\/wp-json\/wp\/v2\/posts\/26919","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/vajiramias.com\/upsc\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/vajiramias.com\/upsc\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/vajiramias.com\/upsc\/wp-json\/wp\/v2\/users\/41"}],"replies":[{"embeddable":true,"href":"https:\/\/vajiramias.com\/upsc\/wp-json\/wp\/v2\/comments?post=26919"}],"version-history":[{"count":4,"href":"https:\/\/vajiramias.com\/upsc\/wp-json\/wp\/v2\/posts\/26919\/revisions"}],"predecessor-version":[{"id":26926,"href":"https:\/\/vajiramias.com\/upsc\/wp-json\/wp\/v2\/posts\/26919\/revisions\/26926"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/vajiramias.com\/upsc\/wp-json\/wp\/v2\/media\/26932"}],"wp:attachment":[{"href":"https:\/\/vajiramias.com\/upsc\/wp-json\/wp\/v2\/media?parent=26919"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/vajiramias.com\/upsc\/wp-json\/wp\/v2\/categories?post=26919"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/vajiramias.com\/upsc\/wp-json\/wp\/v2\/tags?post=26919"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}