{"id":3749,"date":"2021-03-31T07:16:58","date_gmt":"2021-03-31T07:16:58","guid":{"rendered":"https:\/\/swaritadvisors.com\/blog\/?p=3749"},"modified":"2021-03-31T07:17:00","modified_gmt":"2021-03-31T07:17:00","slug":"sebi-issued-guidelines-for-business-continuity-plan-and-disaster-recovery","status":"publish","type":"post","link":"https:\/\/swaritadvisors.com\/blog\/sebi-issued-guidelines-for-business-continuity-plan-and-disaster-recovery\/","title":{"rendered":"SEBI Issued Guidelines for Business Continuity Plan and Disaster Recovery"},"content":{"rendered":"\n<p class=\"has-drop-cap\">The Securities and Exchange Board of\nIndia, on 22.03.2021, has issued a Circular No SEBI\/HO\/MRD1\/DTCS\/CIR\/P\/2021\/33\nregarding the guidelines for Business Continuity Plan and Disaster Recovery. It\nwas issued by SEBI under the ambit of powers conferred under section 11\nsubsection (1) of the SEBI Act 1992.<\/p>\n\n\n\n<p>Further, it shall be noted that the said\ncircular will supersede SEBI Circular No SEBI\/HO\/MRD\/DMS1\/CIR\/P\/2019\/43, dated\n26.03.2019, issued regarding the Business Continuity Plan and Disaster Recovery\n(BCP-DR) Policy of MIIs.<\/p>\n\n\n\n<p>In this learning blog, we will talk\nabout the revised guidelines for the Business Continuity Plan and Disaster\nRecovery of MIIs (Market Infrastructure Institutions).<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-6a3a74419fb19\" class=\"ez-toc-cssicon-toggle-label\"><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><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-6a3a74419fb19\"  aria-label=\"Toggle\" \/><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:\/\/swaritadvisors.com\/blog\/sebi-issued-guidelines-for-business-continuity-plan-and-disaster-recovery\/#Entities_Eligible_for_Revised_Guidelines\" title=\"Entities Eligible for Revised Guidelines\">Entities Eligible for Revised Guidelines<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/swaritadvisors.com\/blog\/sebi-issued-guidelines-for-business-continuity-plan-and-disaster-recovery\/#Need_for_Modifying_the_Existing_BCP-DR_Plan\" title=\"Need for Modifying the Existing BCP-DR Plan\">Need for Modifying the Existing BCP-DR 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:\/\/swaritadvisors.com\/blog\/sebi-issued-guidelines-for-business-continuity-plan-and-disaster-recovery\/#Revised_Guidelines_for_Business_Continuity_Plan_and_Disaster_Recovery\" title=\"Revised Guidelines for Business Continuity Plan and\nDisaster Recovery\">Revised Guidelines for Business Continuity Plan and\nDisaster Recovery<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/swaritadvisors.com\/blog\/sebi-issued-guidelines-for-business-continuity-plan-and-disaster-recovery\/#Guidelines_concerning_Configuration_of_DRS_NS_with_PDC\" title=\"Guidelines concerning Configuration of DRS\/ NS with PDC\">Guidelines concerning Configuration of DRS\/ NS with PDC<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/swaritadvisors.com\/blog\/sebi-issued-guidelines-for-business-continuity-plan-and-disaster-recovery\/#Guidelines_concerning_Disaster_Recovery_Drills_Testing\" title=\"Guidelines concerning Disaster Recovery Drills\/ Testing\">Guidelines concerning Disaster Recovery Drills\/ Testing<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/swaritadvisors.com\/blog\/sebi-issued-guidelines-for-business-continuity-plan-and-disaster-recovery\/#Policy_Document_for_Business_Continuity_Plan_and_Disaster_Recovery\" title=\"Policy Document for Business Continuity Plan and Disaster\nRecovery\">Policy Document for Business Continuity Plan and Disaster\nRecovery<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/swaritadvisors.com\/blog\/sebi-issued-guidelines-for-business-continuity-plan-and-disaster-recovery\/#Time_Period_to_Submit_Revised_Business_Continuity_Plan_and_Disaster_Recovery_Policy\" title=\"Time Period to Submit Revised Business Continuity Plan and\nDisaster Recovery Policy\">Time Period to Submit Revised Business Continuity Plan and\nDisaster Recovery Policy<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/swaritadvisors.com\/blog\/sebi-issued-guidelines-for-business-continuity-plan-and-disaster-recovery\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Entities_Eligible_for_Revised_Guidelines\"><\/span>Entities Eligible for Revised Guidelines<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The entities eligible for the Revised\nGuidelines for Business Continuity Plan and Disaster Recovery are as follows:<\/p>\n\n\n\n<ul><li>All Stock Exchanges;<\/li><li>All Depositories;<\/li><li>All Clearing Corporations;<\/li><\/ul>\n\n\n\n<p><strong>Also, Read: <\/strong><mark style=\"background: #fffd03 !important;\"><a href=\"https:\/\/swaritadvisors.com\/blog\/sebi-research-analysts-amendment-regulations-2021\/\">SEBI (Research Analysts) (Amendment) Regulations 2021: A Guide<\/a><\/mark><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Need_for_Modifying_the_Existing_BCP-DR_Plan\"><\/span>Need for Modifying the Existing BCP-DR Plan<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>It shall be noted that SEBI, by way of\ncircular SEBI\/HO\/MRD\/DMS1\/CIR\/P\/2019\/43, dated 26.03.20219, had prescribed a\nframework for the Business Continuity Plan and Disaster Recovery Site (BCP-DR)\nfor Stock Exchanges, Depositories, and Clearing Corporations. <\/p>\n\n\n\n<p>However, with the advancement in\ntechnology and enhanced automation of procedures, it was felt that there is a\nneed to re-examine the extant framework. The same was done with a view to\nreduce the time period prescribed for moving from Primary Data Centre(PDC) to\nDisaster Recovery Site (DRS).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Revised_Guidelines_for_Business_Continuity_Plan_and_Disaster_Recovery\"><\/span>Revised Guidelines for Business Continuity Plan and\nDisaster Recovery<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>After examination and consultation with\nMarket Infrastructure Institutions (MIIs) and Technical Advisory Committee\n(TAC) of the SEBI, the revised framework for BCP-DR shall be as under:<\/p>\n\n\n\n<ul><li>Stock\nExchanges, Clearing Corporations, and Depositories (together referred as MIIs\nor Market Infrastructure Institutions) will have in place BCP and DRS so as to\nmaintain and preserve data and transaction integrity;<\/li><li>Besides\nDRS, all MIIs comprising Depositories will also have a Near Siteto ensure zero\ndata loss;<\/li><li>The\nDisaster Recovery Site must preferably be established in different seismic\nzones and in the case of certain reasons, such as operational constraints,\nchange of the seismic zones, etc., the minimum distance of 500 km will be\nensured between PDC and DRS, so that both are not affected by the same\ndisaster;<\/li><li>The\ntotal manpower deployed at DRS\/ NS will have the same expertise and know-how as\navailable at PDC in terms of awareness\/ knowledge of several technological and procedural\nsystems concerning all operations, such that DRS\/NS can function at short\nnotice, independently. Further, MIIs will need to have a sufficient number of\ntrained staff at their Disaster Recovery Site so as to have the ability to run live\noperations and processes from DRS without engaging staff of the PDC;<\/li><li>All\nthe Market Infrastructure Institutions will constitute an IRT (Incident and\nResponse Team)\/ CMT (Crisis Management Team), which shall be headed by the\nManaging Director (MD) of the respective MII or by the CTO(Chief Technology\nOfficer), in case of the non-availability of MD. Further, IRT or CMT will be\nresponsible for the actual announcement of disaster, raising the BCP and\nshifting of operations from the PDC to DRS, whenever required. Also, it shall\nbe noted that details of roles and responsibilities, actions to be completed by\nemployees, IRT\/CMT, and support\/outsourced staff on the occasion of any Disaster\nwill be defined and recognised by the MII as a part of the BCP-DR Policy\nDocument;<\/li><li>The\nTechnology Advisory Committee (TAC) of the MIIs will review the implementation\nof the BCP-DR policy as approved by the Governing Board of the Market\nInfrastructure Institutions on a quarterly basis;<\/li><li>MIIs\nwill need to conduct periodic training programs to improve the level of\npreparedness and awareness among its employees and outsourced staff, and\nvendors, etc. to function as per BCP policy;<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Guidelines_concerning_Configuration_of_DRS_NS_with_PDC\"><\/span>Guidelines concerning Configuration of DRS\/ NS with PDC<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The guidelines concerning Configuration\nof DRS\/ NS with PDC can be summarised as:<\/p>\n\n\n\n<ul><li>All\nthe Hardware, Application Environment, System Software, Network and Security Devices,\nand Associated Application Environments of the Disaster Recovery Site or New Site\nand PDC will have one to one communication between them;<\/li><li>MIIs\nmust develop systems and mechanisms that do not require configuration\nmodifications at the end of trading members\/ depository participants\/ clearing\nmembers forswitchover from the existing PDC to DRS. Further, it shall be noted\nthat MIIs should test the functionality of such switchover by conducting\nunannounced live trading from its Disaster Recovery Site for at least one day\nin the period of every six months. Also, the unannounced live trading from DRS\nof Market Infrastructure Institutions will be done at a short notice period of\n45 minutes after the expiry of 90 days, starting from the date of this\ncircular;<\/li><li>In\nthe event of disturbance of any one or more of the \u201cCritical Systems\u201d, the MIIs shall, within a period\nof 30 minutes of the incident, need to declare that incident as \u201cDisaster\u201d and\ntake measures to restore functions and operations comprising from DRS within 45\nminutes of the declaration of the \u201cDisaster\u201d. Consequently, the Recovery Time\nObjective (RTO) &#8211; the maximum time taken to restore functions and operations of\n\u201cCritical Systems\u201d from DRS after the declaration of Disaster shall be 45\nminutes, which is to be implemented within a period of 90 days, starting from\nthe date of the circular. Also, it shall be noted that the \u201cCritical Systems\u201d\nfor an Exchange or Clearing Corporation will include Trading, Collateral\nManagement, Risk Management, Clearing and Settlement, and Index computation. Further,\n\u201cCritical Systems\u201d for a Depository will include systems and mechanisms supporting\nsettlement processes and inter-depository transfers system as well;<\/li><li>MIIs\nalso need to ensure that the RPO (Recovery Point Objective) shall be 15\nminutes;<\/li><li>Solution\narchitecture of the PDC and DRS \/ NS must ensure fault tolerance, high\navailability, no single point of failure, data and transaction integrity, and\nzero data loss;<\/li><li>Any\nupdates made at the PDC must be reflected at Disaster Recovery Site or New Site\nimmediately (prior to the end of the day) with head room flexibility and without\ncompromising with any of the performance metrics;<\/li><li>Replication\narchitecture, bandwidth, and load consideration between the DRS\/ NS and PDC\nneed to be within the prescribed Recovery Time Objective and ensure right\nsizing, high availability, and no single point of failure;<\/li><li>Replication\nbetween PDC and NS must be synchronous to confirm zero data loss whereas, the\none which is between PDC and DRS and between DRS and NS may be asynchronous;<\/li><li>Adequate\nresources (withappropriate training and experience) must be available at all\ntimes to carry out operations at PDC, NS, or DRS, as the case may be, on a\nnormal basis as well as during disasters;<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Guidelines_concerning_Disaster_Recovery_Drills_Testing\"><\/span>Guidelines concerning Disaster Recovery Drills\/ Testing<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The guidelines concerning Disaster\nRecovery Drills\/ Testing can be summarised as:<\/p>\n\n\n\n<ul><li>Disaster\nRecovery drills must be conducted regularly on a quarterly basis. However, in\nthe case of Exchanges and Clearing Corporations, these recovery drills should\nbe closer to the real life situation (trading days) with minimal notice to DRS\nstaff engaged;<\/li><li>During\nthe DR drills, the staff based at PDC must not be engaged in supporting\noperations in any manner;<\/li><li>The\ndrill must include running all operations from the Disaster Recovery Site for\nat least one full trading day;<\/li><li>It\nshall be noted that prior to DR drills, the timing diagrams must clearly\nidentify that resources at both ends (DRS and PDC) are in place;<\/li><li>The\nresults and conclusions of these drills must be properly documented and placed\nbefore the Governing Board of Stock Exchanges\/Clearing Corporations\/\nDepositories. Afterwards, the same together with the comments of the Board will\nbe forwarded to SEBI that, too, within a period of one month of the DR drill;<\/li><li>The\nSystem Auditor while covering the Business Continuity Plan and Disaster\nRecovery as a part of the mandated annual System Audit must check the\npreparedness of the Market Infrastructure Intermediaries to shift its\noperations and functions from PDC to DRS unannounced, and alsocomment on\ndocumented results and conclusions of DR drills;<\/li><li>\u201cLive\u201d\ntrading sessions from the Disaster Recovery Site will be\nscheduled for a minimum of two consecutive days in the period of every six\nmonths. Further, such live trading sessions from the Disaster Recovery Site\nwill be organised on the normal working days (i.e., not on weekends and trading\nholidays). Further, the Stock Exchange\/ Depository\/ Clearing Corporation shall\nensure that the working staff members at DRS have the abilities, knowledge, and\nskills to carry out live trading session, which is independent of the PDC\nstaff;<\/li><li>Stock\nExchanges, Clearing Corporations, and Depositories need to include a scenario\nof intraday shifting from the existing PDC to DRS during the \u201cmock\u201d trading\nsessions. The same is done to demonstrate its readiness to meet RTO or RPO as\nstipulated above;<\/li><li>MIIs\nmust undertake and document the Root Cause Analysis (RCA) of their technical\nand system related issues, to identify the causes and to prevent re-occurrence\nof similar problems;<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Policy_Document_for_Business_Continuity_Plan_and_Disaster_Recovery\"><\/span>Policy Document for Business Continuity Plan and Disaster\nRecovery<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The key provisions of the Policy\nDocument for Business Continuity Plan and Disaster Recovery can be summarised\nas:<\/p>\n\n\n\n<ul><li>Broad\nsituations that would be termed as a Disaster for a Market Infrastructure\nInstitution (in addition to the definition provided in paragraph 4 (c) of the\nsaid circular);<\/li><li>Standard\nOperating Procedure to be trailed in the event of Disaster;<\/li><li>Escalation\nhierarchy within the Market Infrastructure Institution to handle the Disaster;<\/li><li>Clear\nand comprehensive Communication Procedures and Protocols for both internal and\nexternal communications, starting from the time of incident till the resumption\nof operations of the said MII;<\/li><li>The\nrecord keeping of the Documentation policy pertaining to DR drills;<\/li><li>Scenarios\nshowcasing the preparedness and readiness of the MIIs to handle problems in\nCritical Systems that may arise as a consequence of Disaster;<\/li><li>Preparedness\nand readiness of the Depositories to carry out any issue or problem which may\narise due to the trading halts in Stock Exchanges;<\/li><li>Framework\nto constantly monitor and supervise health and performance of the Critical\nSystems in the normal course of business;<\/li><\/ul>\n\n\n\n<p>Further, the Business Continuity Plan\nand Disaster Recovery policy document of an MII must be approved by the\nGoverning Board of the MIIs. However, the same will done only after being\nvetted by the Technology Committee. Also, after the approval of the Governing\nBoard the details of same will be thereafter be communicated to SEBI. <\/p>\n\n\n\n<p>Also, it shall be noted that the Business\nContinuity Plan and Disaster Recovery policy document needs to be periodically\nreviewed at least once in a period of six months and even after every\noccurrence of disaster.<\/p>\n\n\n\n<p>In case a Market Infrastructure\nInstitution desires to lease out its premise at the Disaster Recovery Site to\nother entities comprising of its subsidiaries in which it owns a stake. Also,\nthe MII must ensure that such an arrangement do not compromise in terms of confidentiality,\navailability, integrity, targeted performance, and service levels of the MII\u2019s\nmechanisms at the DRS.<\/p>\n\n\n\n<p>Further, it shall be noted that theright\nof first use of all the resources at Disaster Recovery Site including the\nnetwork resources must be with the MII. Furthermore, MII must deploy necessary\naccess and controls to restrict the access (inclusive of physical access) of\nsuch entities to its critical mechanisms and networks.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Time_Period_to_Submit_Revised_Business_Continuity_Plan_and_Disaster_Recovery_Policy\"><\/span>Time Period to Submit Revised Business Continuity Plan and\nDisaster Recovery Policy<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>All the Stock Exchanges, Clearing\nCorporations, and Depositories are advised to furnish or submit their revised\nBusiness Continuity Plan and Disaster Recovery Policy to SEBI within a period\nof 3 months, starting from the date of this said circular. Also, they should\nensure that clause 5(f) and 6(a)(v) as mentioned above are included in the\nambit of the System Audit.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>In a nutshell, <a href=\"https:\/\/www.sebi.gov.in\/\">SEBI<\/a>, on 22.03.2021, has issued a Circular regarding the guidelines for Business Continuity Plan and Disaster Recovery. The same was issued with a view to reduce the time period prescribed for moving from Primary Data Centre (PDC) to Disaster Recovery Site (DRS).<\/p>\n\n\n\n<p><strong>Also, Read: <\/strong><mark style=\"background: #fffd03 !important;\"><a href=\"https:\/\/swaritadvisors.com\/blog\/delivery-default-norms-amended-by-sebi\/\">Delivery Default Norms Amended by SEBI<\/a><\/mark><\/p>\n\n\n<a href=\"https:\/\/swaritadvisors.com\/blog\/wp-content\/uploads\/2021\/03\/SEBI-Issued-Guidelines-for-Business-Continuity-Plan-and-Disaster-Recovery.pdf\" class=\"pdfemb-viewer\" style=\"\" data-width=\"max\" data-height=\"max\"  data-toolbar=\"bottom\" data-toolbar-fixed=\"off\">SEBI-Issued-Guidelines-for-Business-Continuity-Plan-and-Disaster-Recovery<br\/><\/a>\n<p class=\"wp-block-pdfemb-pdf-embedder-viewer\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Securities and Exchange Board of India, on 22.03.2021, has issued a Circular No SEBI\/HO\/MRD1\/DTCS\/CIR\/P\/2021\/33 regarding the guidelines for Business Continuity Plan and Disaster Recovery. It was issued by SEBI under the ambit of powers conferred under section 11 subsection (1) of the SEBI Act 1992. Further, it shall be noted that the said circular [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":3751,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[50,64],"tags":[554],"acf":[],"_links":{"self":[{"href":"https:\/\/swaritadvisors.com\/blog\/wp-json\/wp\/v2\/posts\/3749"}],"collection":[{"href":"https:\/\/swaritadvisors.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/swaritadvisors.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/swaritadvisors.com\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/swaritadvisors.com\/blog\/wp-json\/wp\/v2\/comments?post=3749"}],"version-history":[{"count":3,"href":"https:\/\/swaritadvisors.com\/blog\/wp-json\/wp\/v2\/posts\/3749\/revisions"}],"predecessor-version":[{"id":3754,"href":"https:\/\/swaritadvisors.com\/blog\/wp-json\/wp\/v2\/posts\/3749\/revisions\/3754"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/swaritadvisors.com\/blog\/wp-json\/wp\/v2\/media\/3751"}],"wp:attachment":[{"href":"https:\/\/swaritadvisors.com\/blog\/wp-json\/wp\/v2\/media?parent=3749"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/swaritadvisors.com\/blog\/wp-json\/wp\/v2\/categories?post=3749"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/swaritadvisors.com\/blog\/wp-json\/wp\/v2\/tags?post=3749"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}