{"id":15028,"date":"2025-02-14T11:02:00","date_gmt":"2025-02-14T11:02:00","guid":{"rendered":"https:\/\/lxme.in\/?p=15028"},"modified":"2025-03-30T13:33:53","modified_gmt":"2025-03-30T13:33:53","slug":"unified-pension-scheme-and-its-benefits","status":"publish","type":"post","link":"https:\/\/lxme.in\/v1\/unified-pension-scheme-and-its-benefits\/","title":{"rendered":"What is the Unified Pension Scheme and How Does It Work?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_75 counter-hierarchy ez-toc-counter ez-toc-transparent ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\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:\/\/lxme.in\/v1\/unified-pension-scheme-and-its-benefits\/#What_is_the_Unified_Pension_Scheme_and_How_Does_It_Work\" >What is the Unified Pension Scheme and How Does It Work?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/lxme.in\/v1\/unified-pension-scheme-and-its-benefits\/#Recent_Developments_on_the_UPS_Pension_Plan\" >Recent Developments on the UPS Pension Plan<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/lxme.in\/v1\/unified-pension-scheme-and-its-benefits\/#Key_Features_of_the_UPS_Pension_Plan\" >Key Features of the UPS Pension Plan<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/lxme.in\/v1\/unified-pension-scheme-and-its-benefits\/#Eligibility_for_the_UPS_Pension_Plan\" >Eligibility for the UPS Pension Plan<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/lxme.in\/v1\/unified-pension-scheme-and-its-benefits\/#Comparison_UPS_vs_NPS\" >Comparison: UPS vs. NPS<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/lxme.in\/v1\/unified-pension-scheme-and-its-benefits\/#Benefits_of_the_UPS_Pension_Plan\" >Benefits of the UPS Pension Plan<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/lxme.in\/v1\/unified-pension-scheme-and-its-benefits\/#Conclusion\" >Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/lxme.in\/v1\/unified-pension-scheme-and-its-benefits\/#FAQs\" >FAQs<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/lxme.in\/v1\/unified-pension-scheme-and-its-benefits\/#How_does_the_contribution_structure_work_in_NPS\" >How does the contribution structure work in NPS?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/lxme.in\/v1\/unified-pension-scheme-and-its-benefits\/#How_does_NPS_differ_from_traditional_pension_plans_in_terms_of_tax_benefits\" >How does NPS differ from traditional pension plans in terms of tax benefits?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/lxme.in\/v1\/unified-pension-scheme-and-its-benefits\/#What_happens_if_an_NPS_subscriber_passes_away_before_retirement\" >What happens if an NPS subscriber passes away before retirement?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/lxme.in\/v1\/unified-pension-scheme-and-its-benefits\/#Can_private_sector_employees_benefit_from_the_UPS_Pension_Plan\" >Can private sector employees benefit from the UPS Pension Plan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/lxme.in\/v1\/unified-pension-scheme-and-its-benefits\/#Can_I_switch_from_NPS_to_UPS\" >Can I switch from NPS to UPS?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/lxme.in\/v1\/unified-pension-scheme-and-its-benefits\/#Can_UPS_pension_be_transferred_to_heirs\" >Can UPS pension be transferred to heirs?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n\n<p>With different pension options available, understanding how the UPS Retirement Benefits work is crucial. Let&#8217;s break it down simply so you can make the best decision for your future.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_the_Unified_Pension_Scheme_and_How_Does_It_Work\"><\/span><strong>What is the Unified Pension Scheme and How Does It Work?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Retirement planning is essential for everyone, including working professional. Whether you are managing a career and family or planning for financial independence, having a reliable pension plan can give you peace of mind.<\/p>\n\n\n\n<p>The Unified Pension Scheme (UPS) is a new initiative introduced by the Central Government to provide assured retirement benefits to employees. Unlike market-linked options like NPS, the UPS Pension Plan guarantees stable and predictable payouts.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Recent_Developments_on_the_UPS_Pension_Plan\"><\/span><strong>Recent Developments on the UPS Pension Plan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>On 24 January 2025, the Finance Ministry officially notified the Unified Pension Scheme (UPS) as an option under the National Pension System (NPS) for Government employees.<\/p>\n\n\n\n<p>The Central Government introduced the UPS scheme on 24 August 2024. It will be implemented from 1 April 2025 and is expected to benefit 23 lakh Government employees.<\/p>\n\n\n\n<p>If you are a government employee, understanding how UPS Retirement Benefits work is crucial for making an informed decision.<\/p>\n\n\n\n<p>Employees need a pension plan that offers fixed employee benefits at UPS to ensure financial independence in later years.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Key_Features_of_the_UPS_Pension_Plan\"><\/span><strong>Key Features of the UPS Pension Plan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Guaranteed Monthly Pension<\/strong>: Employees completing at least 25 years of service receive 50%&nbsp; of the average basic salary they earned in the last 12 months before retirement as&nbsp; pension.<\/li>\n\n\n\n<li><strong>Minimum Pension Guarantee<\/strong>: Employees with at least 10 years of service get a minimum \u20b910,000 per month pension after retirement.<\/li>\n\n\n\n<li><strong>Family Pension<\/strong>: In case of the pensioner\u2019s passing, 60% of the pension will be given to the spouse.<\/li>\n\n\n\n<li><strong>Employer Contribution<\/strong>: The government contributes 18.5% of the employee\u2019s basic salary and&nbsp; dearness allowance to the pension fund, while employees contribute 10%.<\/li>\n\n\n\n<li><strong>Inflation Protection<\/strong>: Pension amounts will be adjusted for inflation to maintain their value over time.<\/li>\n\n\n\n<li><strong>Lump-Sum Payment<\/strong>: Employees receive a one-time payment at retirement along with their pension.<\/li>\n<\/ul>\n\n\n\n<p>The amount will be&nbsp; 1\/10th (10%) of the last drawn monthly salary (Basic Pay + DA) for every completed six months of service.<\/p>\n\n\n\n<p>This payment is separate from the pension and does not affect or reduce the assured pension the employee will receive.<\/p>\n\n\n\n<p>These features make the UPS Pension Plan highly attractive for government employees looking for a stable and predictable income post-retirement.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Eligibility_for_the_UPS_Pension_Plan\"><\/span><strong>Eligibility for the UPS Pension Plan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Must be a&nbsp; government employee.<\/li>\n\n\n\n<li>Must have completed at least 10 years of service.<\/li>\n\n\n\n<li>Employees can choose UPS or continue with NPS, however, once they make a decision, it cannot be changed later.<\/li>\n\n\n\n<li>Employees who joined after 2004 can switch to UPS under the new scheme guidelines.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Comparison_UPS_vs_NPS\"><\/span><strong>Comparison: UPS vs. NPS<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Feature<\/strong><\/td><td><strong>UPS Pension Plan<\/strong><\/td><td><strong>National Pension System (NPS)<\/strong><\/td><\/tr><tr><td>Returns<\/td><td>Fixed pension<\/td><td>Market-linked returns<\/td><\/tr><tr><td>Risk Factor<\/td><td>No risk, government-backed<\/td><td>Risk depends on the asset allocation, subject to market risks<\/td><\/tr><tr><td>Employer\u2019s Contribution<\/td><td>18.5% of the basic + da<\/td><td>14% of the basic + da<\/td><\/tr><tr><td>Employee\u2019s Contribution&nbsp;<\/td><td>10% of the basic + da<\/td><td>10% of the basic + da<\/td><\/tr><tr><td>Inflation Protection<\/td><td>Yes<\/td><td>No<\/td><\/tr><tr><td>Family Benefits<\/td><td>Family pension continues to the spouse or eligible dependents after the employee&#8217;s death.<\/td><td>Depends on corpus left<\/td><\/tr><tr><td>Withdrawal Flexibility<\/td><td>No, fixed pension<\/td><td>Yes, corpus can be withdrawn<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>The UPS Pension Plan is a better choice for employees who prefer financial security over market-linked investments.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Benefits_of_the_UPS_Pension_Plan\"><\/span><strong>Benefits of the UPS Pension Plan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Guaranteed Financial Security<\/strong>: Unlike NPS, where returns fluctuate, the UPS Retirement Benefits ensure a fixed income after retirement.<\/li>\n\n\n\n<li><strong>Peace of Mind for Families<\/strong>: Knowing that your family will receive financial support even after your passing makes the UPS Pension Plan a secure choice.<\/li>\n\n\n\n<li><strong>Women-Focused Benefits<\/strong>: For working women, stability is key. The UPS Retirement Plan provides predictable and inflation-proof pensions, making long-term planning easier.<\/li>\n\n\n\n<li><strong>Simplified Investment Planning<\/strong>: Unlike NPS, which requires investment decisions, the UPS Pension Plan automatically provides post-retirement income without the need to monitor markets.<\/li>\n\n\n\n<li><strong>No Volatility Risk<\/strong>: Since the UPS Retirement Plan is not linked to market fluctuations, pensioners receive a stable and predictable income for life.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>For everyone, including working professionals, financial security after retirement is crucial. The UPS Pension Plan provides assured pensions, family benefits, and inflation protection, making it an ideal choice for government employees.<\/p>\n\n\n\n<p>But what about women who want financial independence at every stage of life? That\u2019s where Lxme comes in! A platform built for women, by women, Lxme &#8211; an app<a href=\"https:\/\/lxme.in\/\" target=\"_blank\" rel=\"noreferrer noopener\"> investment for women <\/a>helps you take charge of your finances with expert guidance, easy investment options, and a supportive community.<\/p>\n\n\n\n<p>If you\u2019re still unsure, speak to the money buddy, compare your options, and take control of your financial future. Because your money, your rules!<\/p>\n\n\n\n<p><strong>Stay informed. Stay empowered. Plan your retirement with confidence!<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAQs\"><\/span>FAQs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1739529401421\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"How_does_the_contribution_structure_work_in_NPS\"><\/span><strong>How does the contribution structure work in NPS?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Employees contribute 10% of their salary, while the government contributes 14%. The returns depend on market performance.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1739529421246\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"How_does_NPS_differ_from_traditional_pension_plans_in_terms_of_tax_benefits\"><\/span><strong>How does NPS differ from traditional pension plans in terms of tax benefits?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>NPS allows tax deductions up to \u20b92 lakh per year under the old tax regime. However, the <strong>UPS Pension Plan<\/strong> provides guaranteed payouts but the tax benefits are not clear yet.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1739529456724\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"What_happens_if_an_NPS_subscriber_passes_away_before_retirement\"><\/span><strong>What happens if an NPS subscriber passes away before retirement?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>The nominee receives the accumulated corpus. However, the <strong>UPS Pension Plan<\/strong> provides a fixed family pension of 60% of the last drawn pension.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1739529479648\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"Can_private_sector_employees_benefit_from_the_UPS_Pension_Plan\"><\/span><strong>Can private sector employees benefit from the UPS Pension Plan?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>No, the <strong>UPS Pension Plan<\/strong> is currently for\u00a0 government employees. Private employees can opt for NPS or other investment options suited for retirement.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1739529495842\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"Can_I_switch_from_NPS_to_UPS\"><\/span><strong>Can I switch from NPS to UPS?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Yes,\u00a0 government employees have a one-time option to switch to <strong>UPS Pension Plan<\/strong>, but this decision is final and irreversible.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1739529507188\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"Can_UPS_pension_be_transferred_to_heirs\"><\/span><strong>Can UPS pension be transferred to heirs?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>No, but family pension is available for spouses and dependents after the pensioner\u2019s death.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [{\n    \"@type\": \"Question\",\n    \"name\": \"How does the contribution structure work in NPS?\",\n    \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"Employees contribute 10% of their salary, while the government contributes 14%. 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However, the UPS Pension Plan provides a fixed family pension of 60% of the last drawn pension.\"\n    }\n  },{\n    \"@type\": \"Question\",\n    \"name\": \"Can private sector employees benefit from the UPS Pension Plan?\",\n    \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"No, the UPS Pension Plan is currently for  government employees. Private employees can opt for NPS or other investment options suited for retirement.\"\n    }\n  },{\n    \"@type\": \"Question\",\n    \"name\": \"Can I switch from NPS to UPS?\",\n    \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"Yes,  government employees have a one-time option to switch to UPS Pension Plan, but this decision is final and irreversible.\"\n    }\n  },{\n    \"@type\": \"Question\",\n    \"name\": \"Can UPS pension be transferred to heirs?\",\n    \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"No, but family pension is available for spouses and dependents after the pensioner\u2019s death.\"\n    }\n  }]\n}\n<\/script>\n\n\n\n<p><strong>Further Read,<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/lxme.in\/ways-to-improve-your-cibil-score-quickly\/\" target=\"_blank\" rel=\"noreferrer noopener\">10 Ways to Improve Your CIBIL Score Quickly<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/lxme.in\/tips-on-how-to-have-a-healthy-relationship\/\" target=\"_blank\" rel=\"noreferrer noopener\">7 Best Tips For A Healthy Relationship<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/lxme.in\/high-paying-work-from-home-jobs-for-women-in-india\/\" target=\"_blank\" rel=\"noreferrer noopener\">High-Paying Home Jobs for Ladies<\/a>&nbsp;<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>With different pension options available, understanding how the UPS Retirement Benefits work is crucial. Let&#8217;s break it down simply so you can make the best decision for your future. What is the Unified Pension Scheme and How Does It Work? Retirement planning is essential for everyone, including working professional. Whether you are managing a career <a href=\"https:\/\/lxme.in\/v1\/unified-pension-scheme-and-its-benefits\/\" class=\"more-link\">&#8230;<span class=\"screen-reader-text\">  What is the Unified Pension Scheme and How Does It Work?<\/span><\/a><\/p>\n","protected":false},"author":10,"featured_media":15029,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[660],"tags":[906,907],"class_list":["post-15028","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-money-matters","tag-unified-pension-scheme","tag-what-is-unified-pension-scheme"],"acf":[],"_links":{"self":[{"href":"https:\/\/lxme.in\/v1\/wp-json\/wp\/v2\/posts\/15028","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lxme.in\/v1\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/lxme.in\/v1\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/lxme.in\/v1\/wp-json\/wp\/v2\/users\/10"}],"replies":[{"embeddable":true,"href":"https:\/\/lxme.in\/v1\/wp-json\/wp\/v2\/comments?post=15028"}],"version-history":[{"count":2,"href":"https:\/\/lxme.in\/v1\/wp-json\/wp\/v2\/posts\/15028\/revisions"}],"predecessor-version":[{"id":15617,"href":"https:\/\/lxme.in\/v1\/wp-json\/wp\/v2\/posts\/15028\/revisions\/15617"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/lxme.in\/v1\/wp-json\/wp\/v2\/media\/15029"}],"wp:attachment":[{"href":"https:\/\/lxme.in\/v1\/wp-json\/wp\/v2\/media?parent=15028"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lxme.in\/v1\/wp-json\/wp\/v2\/categories?post=15028"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/lxme.in\/v1\/wp-json\/wp\/v2\/tags?post=15028"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}