{"id":142953,"date":"2026-07-08T09:57:24","date_gmt":"2026-07-08T04:27:24","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=142953"},"modified":"2026-07-08T09:57:26","modified_gmt":"2026-07-08T04:27:26","slug":"small-mid-sized-private-banks-recovery-emkay","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/small-mid-sized-private-banks-recovery-emkay\/","title":{"rendered":"Small and Mid Sized Private Banks Could Lead Financial Sector Recovery, Says Emkay; Mahindra Finance Enters Model Portfolio"},"content":{"rendered":"<div class=\"meta-block\"><\/div>\n<p style=\"border-left: 4px solid #1F4E79; background: #EBF3FB; padding: 10px 16px; font-style: italic;\"><em>Emkay sees small and mid sized private banks leading financial sector recovery. Large lenders face structural challenges. Mahindra Finance replaces Shriram Housing Finance in model portfolio.<\/em><\/p>\n<p>Small and mid sized private banks could lead the next leg of the financial sector recovery, brokerage Emkay Global has said, arguing that large lenders face structural challenges that may cap their earnings momentum. The view marks a shift in preference within the banking pack, where smaller franchises with cleaner balance sheets and room for margin expansion are seen better placed.<\/p>\n<p>Among non banking financial companies, Emkay has replaced Shriram Housing Finance with Mahindra and Mahindra Financial Services in its model portfolio. The brokerage cited stronger rerating potential for the vehicle financier, linked to an expected recovery in the automobile financing cycle.<\/p>\n<p style=\"margin-top: 24px;\"><a href=\"https:\/\/univest.in\/user\/log-in?utm_source=blogs&amp;utm_medium=emkay-small-mid-private-banks\"><strong>Click Here &#8211; Get Free Investment Predictions<\/strong><\/a><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 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 \" >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:\/\/univest.in\/blogs-2\/small-mid-sized-private-banks-recovery-emkay\/#Why_Emkay_Prefers_Small_and_Mid_Sized_Private_Banks\" title=\"Why Emkay Prefers Small and Mid Sized Private Banks\">Why Emkay Prefers Small and Mid Sized Private Banks<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/small-mid-sized-private-banks-recovery-emkay\/#Mahindra_Finance_Replaces_Shriram_Housing_Finance_in_the_Model_Portfolio\" title=\"Mahindra Finance Replaces Shriram Housing Finance in the Model Portfolio\">Mahindra Finance Replaces Shriram Housing Finance in the Model Portfolio<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/small-mid-sized-private-banks-recovery-emkay\/#What_the_Emkay_View_Means_for_Bank_Investors\" title=\"What the Emkay View Means for Bank Investors\">What the Emkay View Means for Bank Investors<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/small-mid-sized-private-banks-recovery-emkay\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/small-mid-sized-private-banks-recovery-emkay\/#Frequently_Asked_Questions_FAQs\" title=\"Frequently Asked Questions FAQs\">Frequently Asked Questions FAQs<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/small-mid-sized-private-banks-recovery-emkay\/#What_did_Emkay_say_about_small_and_mid_sized_private_banks\" title=\"What did Emkay say about small and mid sized private banks?\">What did Emkay say about small and mid sized private banks?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/small-mid-sized-private-banks-recovery-emkay\/#Which_NBFC_did_Emkay_add_to_its_model_portfolio\" title=\"Which NBFC did Emkay add to its model portfolio?\">Which NBFC did Emkay add to its model portfolio?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/small-mid-sized-private-banks-recovery-emkay\/#Why_are_large_private_banks_facing_structural_challenges\" title=\"Why are large private banks facing structural challenges?\">Why are large private banks facing structural challenges?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/small-mid-sized-private-banks-recovery-emkay\/#What_is_the_Mahindra_and_Mahindra_Financial_Services_share_price_today\" title=\"What is the Mahindra and Mahindra Financial Services share price today?\">What is the Mahindra and Mahindra Financial Services share price today?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/small-mid-sized-private-banks-recovery-emkay\/#Why_could_small_and_mid_sized_private_banks_outperform_in_a_recovery\" title=\"Why could small and mid sized private banks outperform in a recovery?\">Why could small and mid sized private banks outperform in a recovery?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/small-mid-sized-private-banks-recovery-emkay\/#Should_investors_buy_smaller_private_bank_stocks_now\" title=\"Should investors buy smaller private bank stocks now?\">Should investors buy smaller private bank stocks now?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Why_Emkay_Prefers_Small_and_Mid_Sized_Private_Banks\"><\/span><strong>Why Emkay Prefers Small and Mid Sized Private Banks<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>According to the brokerage, large private lenders are grappling with structural challenges, including intense competition for deposits, pressure on net interest margins and a high base that makes incremental growth harder. Smaller private banks, in contrast, operate from a lower base and can gain market share as credit demand revives.<\/p>\n<p>A recovery in the broader financial sector typically favours lenders that can grow advances faster than the system while keeping credit costs contained. Emkay believes select smaller private banks fit this profile better at current valuations.<\/p>\n<p style=\"margin-top: 24px;\"><a href=\"https:\/\/univest.in\/sebi-registered-investment-advisor-india\"><strong>Talk to a SEBI Registered Investment Advisor at Univest Before Investing in Bank Stocks<\/strong><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Mahindra_Finance_Replaces_Shriram_Housing_Finance_in_the_Model_Portfolio\"><\/span><strong>Mahindra Finance Replaces Shriram Housing Finance in the Model Portfolio<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>In the NBFC space, Emkay swapped Shriram Housing Finance for <a href=\"https:\/\/univest.in\/stocks\/mandmfin\/mahindra-and-mahindra-financial-services-ltd-share-price-today\">Mahindra and Mahindra Financial Services<\/a> in its model portfolio. The brokerage flagged stronger rerating potential for the company as the automobile financing cycle recovers, supported by demand for utility vehicles, tractors and pre owned vehicles in rural and semi urban India.<\/p>\n<p>Mahindra and Mahindra Financial Services shares were trading at Rs 327.85 on the NSE on Wednesday morning, down 1.31 percent, as the broader market opened weak on global cues.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_the_Emkay_View_Means_for_Bank_Investors\"><\/span><strong>What the Emkay View Means for Bank Investors<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Brokerage model portfolio changes signal where institutional preference is moving, but they are not a substitute for individual research. Investors tracking these smaller lenders should focus on deposit growth, asset quality trends and Q1 FY27 results before adding exposure, and should size positions carefully given the higher volatility in smaller banking names.<\/p>\n<p style=\"margin-top: 24px;\"><em>Download the <a href=\"http:\/\/apps.apple.com\/in\/app\/univest-stocks-investment\/id6443753518\" rel=\"nofollow noopener\" target=\"_blank\">Univest iOS App<\/a> or <a href=\"http:\/\/play.google.com\/store\/apps\/details?id=com.univest.capp&amp;hl=en_IN\" rel=\"nofollow noopener\" target=\"_blank\">Univest Android App<\/a> to track bank and NBFC stocks live and get daily research updates.<\/em><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Emkay expects small and mid sized private banks to lead the financial sector recovery while large lenders work through structural challenges. The addition of Mahindra and Mahindra Financial Services to its model portfolio, in place of Shriram Housing Finance, reflects confidence in the auto financing cycle. Investors should verify fundamentals and consult a SEBI registered advisor before acting.<\/p>\n<div style=\"background: #CC0000; border-radius: 8px; padding: 16px 20px; margin: 24px 0;\">\n<p style=\"color: #ffffff; font-size: 13px; line-height: 1.7; margin: 0;\"><strong style=\"color: #ffffff;\">Disclaimer:<\/strong> Data and figures in this article are sourced from publicly available information. These may or may not be accurate. Please verify all data with the official NSE (nseindia.com) and BSE (bseindia.com) websites before making any investment decision. Investments in securities are subject to market risk. This content is for educational purposes only and is not investment advice by Univest (SEBI RA INH000013776).<\/p>\n<\/div>\n<h2><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions_FAQs\"><\/span><strong>Frequently Asked Questions FAQs<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"What_did_Emkay_say_about_small_and_mid_sized_private_banks\"><\/span><strong>What did Emkay say about small and mid sized private banks?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Emkay Global said small and mid sized private banks could lead the financial sector recovery, as large lenders face structural challenges such as deposit competition and margin pressure.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Which_NBFC_did_Emkay_add_to_its_model_portfolio\"><\/span><strong>Which NBFC did Emkay add to its model portfolio?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Emkay replaced Shriram Housing Finance with Mahindra and Mahindra Financial Services in its model portfolio, citing stronger rerating potential linked to a recovery in the automobile financing cycle.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Why_are_large_private_banks_facing_structural_challenges\"><\/span><strong>Why are large private banks facing structural challenges?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Large private lenders face intense competition for deposits, pressure on net interest margins and a high base effect that makes incremental growth harder, according to the brokerage view.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_Mahindra_and_Mahindra_Financial_Services_share_price_today\"><\/span><strong>What is the Mahindra and Mahindra Financial Services share price today?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Mahindra and Mahindra Financial Services shares were trading at Rs 327.85 on the NSE on the morning of 8 July 2026, down 1.31 percent.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Why_could_small_and_mid_sized_private_banks_outperform_in_a_recovery\"><\/span><strong>Why could small and mid sized private banks outperform in a recovery?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> These banks operate from a lower base, can grow advances faster than the system and have room for margin expansion, which typically supports earnings in a financial sector recovery.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Should_investors_buy_smaller_private_bank_stocks_now\"><\/span><strong>Should investors buy smaller private bank stocks now?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Model portfolio changes indicate institutional preference but are not personal advice. Investors should review deposit growth, asset quality and Q1 FY27 results, and consult a SEBI registered investment advisor before investing.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Emkay says small and mid sized private banks could lead the financial sector recovery as large lenders face structural challenges. Mahindra Finance enters its model portfolio.<\/p>\n","protected":false},"author":35,"featured_media":143018,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[842],"tags":[3802],"class_list":["post-142953","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","tag-news"],"metadata":{"rank_math_internal_links_processed":["1"],"_edit_lock":["1783484849:28"],"_last_editor_used_jetpack":["block-editor"],"rank_math_primary_category":["842"],"rank_math_seo_score":["74"],"rank_math_title":["Small and Mid Sized Private Banks to Lead Recovery: Emkay"],"rank_math_description":["Emkay says small and mid sized private banks could lead the financial sector recovery as large lenders face structural challenges. Mahindra Finance enters its model portfolio."],"rank_math_focus_keyword":["small and mid sized private banks"],"rank_math_robots":["a:2:{i:0;s:8:\"nofollow\";i:1;s:7:\"noindex\";}"],"_thumbnail_id":["143018"],"_edit_last":["28"],"_ez-toc-disabled":[""],"_ez-toc-insert":[""],"_ez-toc-header-label":[""],"_ez-toc-alignment":["none"],"_ez-toc-heading-levels":["a:0:{}"],"_ez-toc-alttext":[""],"_ez-toc-visibility_hide_by_default":[""],"_ez-toc-hide_counter":[""],"_ez-toc-exclude":[""],"_ez-toc-position-specific":["before"],"stm_select_gm_zoom":[""],"stm_agenda":[""],"stm_host":[""],"stm_select_approved_denied":[""],"stm_multiselect_approved":[""],"stm_multiselect_denied":[""],"stm_date":[""],"stm_time":[""],"stm_timezone":[""],"stm_duration":[""],"stm_password":[""],"stm_waiting_room":[""],"stm_join_before_host":[""],"stm_host_join_start":[""],"stm_start_after_participants":[""],"stm_mute_participants":[""],"stm_enforce_login":[""],"stm_alternative_hosts":[""],"top_bar_custom_style":[""],"top_bar_bg":[""],"wc_top_bar_cart_custom_style":[""],"wc_top_bar_cart_color":[""],"wc_top_bar_cart_icon_color_hover":[""],"wc_top_bar_cart_counter_color":[""],"wc_top_bar_cart_counter_color_hover":[""],"wc_top_bar_cart_counter_bg":[""],"wc_top_bar_cart_counter_bg_hover":[""],"top_bar_wpml_switcher_custom_style":[""],"wpml_switcher_color":[""],"top_bar_wpml_switcher_bg":[""],"top_bar_wpml_switcher_bg_hover":[""],"top_bar_wpml_switcher_color_hover":[""],"top_bar_socials_custom_style":[""],"top_bar_socials_color":[""],"top_bar_socials_color_hover":[""],"top_bar_search_custom_style":[""],"top_bar_search_color":[""],"top_bar_search_icon_color_hover":[""],"top_bar_contact_info_style":[""],"top_bar_contact_info_color":[""],"top_bar_contact_info_link_color":[""],"top_bar_contact_info_link_color_hover":[""],"top_bar_contact_info_select_bg":[""],"top_bar_contact_info_select_color":[""],"top_bar_contact_info_select_drop_bg":[""],"top_bar_contact_info_select_items_bg":[""],"top_bar_contact_info_select_items_color":[""],"top_bar_contact_info_select_items_hover":[""],"header_inverse":["default"],"enable_header_transparent":["off"],"header_nav_custom_style":[""],"header_bg":[""],"header_shadow":[""],"wc_cart_custom_style":[""],"wc_cart_icon_color":[""],"wc_cart_icon_color_hover":[""],"wc_cart_counter_color":[""],"wc_cart_counter_color_hover":[""],"wc_cart_counter_bg":[""],"wc_cart_counter_bg_hover":[""],"header_wpml_switcher_custom_style":[""],"header_wpml_switcher_color":[""],"header_wpml_switcher_color_hover":[""],"header_wpml_switcher_bg":[""],"header_wpml_switcher_bg_hover":[""],"header_socials_custom_style":[""],"header_socials_color":[""],"header_socials_color_hover":[""],"header_search_custom_style":[""],"header_search_icon_color":[""],"header_search_icon_color_hover":[""],"header_contact_info_style":[""],"header_contact_info_color":[""],"header_contact_info_link_color":[""],"header_contact_info_link_color_hover":[""],"header_button_custom_style":[""],"header_button_color":[""],"header_button_color_hover":[""],"header_button_bg":[""],"header_button_bg_hover":[""],"header_nav_menu_customize":[""],"header_nav_menu_link_color":[""],"header_nav_menu_link_color_hover":[""],"header_nav_menu_link_color_active":[""],"header_nav_menu_link_arrow_color":[""],"header_nav_menu_link_arrow_color_hover":[""],"header_nav_menu_level_1_bg":[""],"header_nav_menu_level_1_link_color":[""],"header_nav_menu_level_1_link_color_hover":[""],"header_nav_menu_level_1_link_bg_hover":[""],"header_nav_menu_level_1_link_arrow_color":[""],"header_nav_menu_level_1_link_arrow_color_hover":[""],"header_nav_menu_level_2_bg":[""],"header_nav_menu_level_2_link_color":[""],"header_nav_menu_level_2_link_color_hover":[""],"header_nav_menu_level_2_link_bg_hover":[""],"header_mega_menu_bg":[""],"header_mega_menu_title_color":[""],"header_mega_menu_title_color_hover":[""],"header_mega_menu_description_color":[""],"header_mega_menu_description_link_color":[""],"header_mega_menu_description_link_color_hover":[""],"header_mega_menu_color":[""],"header_mega_menu_color_hover":[""],"header_mega_menu_border_color":[""],"header_mega_menu_icons_color":[""],"header_nav_menu_customize_end":[""],"hfe_enabled_notice":[""],"disable_title_box":["default"],"hfe_disabled":[""],"enable_transparent":["default"],"title_box_title_bg_color":[""],"title_box_bg_custom_image":["default"],"title_box_bg_image":[""],"title_box_bg_position":["default"],"metabox_title_box_bg_position_x":[""],"metabox_title_box_bg_position_y":[""],"metabox_title_box_bg_attachment":["default"],"title_box_bg_size":["default"],"metabox_title_box_bg_size_slider":[""],"title_box_bg_repeat":["default"],"disable_title":["default"],"title_box_title_color":[""],"title_box_title_line_color":[""],"disable_breadcrumbs":["default"],"metabox_title_box_breadcrumbs_color":[""],"metabox_title_box_links_color":[""],"metabox_title_box_links_color_hover":[""],"content_bg_transparent":[""],"show_popup_single":[""],"popups_single":[""],"popups_single_event":[""],"popup_single_event_open_delay":[""],"popup_single_event_showing_in":[""],"popup_single_event_date_from":[""],"popup_single_event_date_to":[""],"popup_single_event_time_from":[""],"popup_single_event_time_to":[""],"popup_single_animation":[""],"popup_single_responsive":[""],"separator_footer_copyright_border_t":[""],"name":[""],"email":[""],"phone":[""],"company":[""],"memberId":[""],"testimonial_position":[""],"testimonial_company":[""],"testimonial_bg_img":[""],"testimonial_video_url":[""],"popups_width":[""],"popups_height":[""],"popups_image_bg":[""],"popups_color_bg":[""],"popups_border_radius":[""],"popups_template":[""],"rank_math_analytic_object_id":["24216"]},"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2026\/07\/Small-and-Mid-Sized-Private-Banks.jpg","_links":{"self":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/142953","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/users\/35"}],"replies":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/comments?post=142953"}],"version-history":[{"count":2,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/142953\/revisions"}],"predecessor-version":[{"id":143020,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/142953\/revisions\/143020"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/143018"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=142953"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=142953"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=142953"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}