{"id":41739,"date":"2026-07-22T16:30:15","date_gmt":"2026-07-22T11:00:15","guid":{"rendered":"https:\/\/kuvera.in\/blog\/?p=41739"},"modified":"2026-07-22T15:31:27","modified_gmt":"2026-07-22T10:01:27","slug":"how-sip-calculators-work-and-which-factors-most-affect-the-results","status":"publish","type":"post","link":"https:\/\/kuvera.in\/blog\/how-sip-calculators-work-and-which-factors-most-affect-the-results\/","title":{"rendered":"how SIP calculators work and which factors most affect the results?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_40 counter-hierarchy ez-toc-counter ez-toc-light-blue 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\" area-label=\"ez-toc-toggle-icon-1\"><label for=\"item-6a642319afaa3\" aria-label=\"Table of Content\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><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><\/label><input  type=\"checkbox\" id=\"item-6a642319afaa3\"><\/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:\/\/kuvera.in\/blog\/how-sip-calculators-work-and-which-factors-most-affect-the-results\/#the_formula_behind_the_numbers\" title=\"the formula behind the numbers\">the formula behind the numbers<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/kuvera.in\/blog\/how-sip-calculators-work-and-which-factors-most-affect-the-results\/#factors_that_affect_the_results\" title=\"factors that affect the results\">factors that affect the results<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/kuvera.in\/blog\/how-sip-calculators-work-and-which-factors-most-affect-the-results\/#what_calculators_do_not_include\" title=\"what calculators do not include\">what calculators do not include<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/kuvera.in\/blog\/how-sip-calculators-work-and-which-factors-most-affect-the-results\/#using_the_calculator_effectively\" title=\"using the calculator effectively\">using the calculator effectively<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/kuvera.in\/blog\/how-sip-calculators-work-and-which-factors-most-affect-the-results\/#the_difference_between_calculators_and_reality\" title=\"the difference between calculators and reality\">the difference between calculators and reality<\/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:\/\/kuvera.in\/blog\/how-sip-calculators-work-and-which-factors-most-affect-the-results\/#FAQs\" title=\"FAQs\">FAQs<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">a sip calculator is a tool that estimates how monthly investments can grow over time\u00a0<\/span><span class=\"\">. it takes three inputs. monthly investment amount. expected return rate. investment tenure\u00a0<\/span><span class=\"\">.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">the output is a projected corpus. total invested amount. estimated returns. maturity value\u00a0<\/span><span class=\"\">.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">the calculator is useful for planning. it is not a guarantee. actual returns depend on market conditions\u00a0<\/span><span class=\"\">.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"the_formula_behind_the_numbers\"><\/span><strong><span class=\"\">the formula behind the numbers<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">the calculator uses a compound interest formula for recurring investments\u00a0<\/span><span class=\"\">.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">m = p \u00d7 {[(1 + r)^n &#8211; 1] \/ r} \u00d7 (1 + r)<\/span><\/strong><\/p>\n<ul>\n<li>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">m<\/span><\/strong><span class=\"\">\u00a0is the maturity value<\/span><\/p>\n<\/li>\n<li>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">p<\/span><\/strong><span class=\"\">\u00a0is the monthly sip amount<\/span><\/p>\n<\/li>\n<li>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">n<\/span><\/strong><span class=\"\">\u00a0is the number of instalments<\/span><\/p>\n<\/li>\n<li>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">r<\/span><\/strong><span class=\"\">\u00a0is the monthly rate of return\u00a0<\/span><\/p>\n<\/li>\n<\/ul>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">the monthly return rate matters. dividing the annual return by 12 is not accurate. returns compound monthly. the correct formula is:<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">monthly return = (1 + annual return)^(1\/12) &#8211; 1<\/span><\/strong><span class=\"\">\u00a0<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">a 12% annual return becomes roughly 0.95% per month. not 1%\u00a0<\/span><span class=\"\">.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"factors_that_affect_the_results\"><\/span><strong><span class=\"\">factors that affect the results<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">expected return rate.<\/span><\/strong><span class=\"\">\u00a0this is the biggest variable. calculators often default to 12%\u00a0<\/span><span class=\"\">. that is a long-term average. not a yearly guarantee.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">markets do not give smooth returns. some years are flat. some are negative. the sequence of returns matters. early losses can reduce the final corpus even if the average is the same\u00a0<\/span><span class=\"\">.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">example. a 2% change in return assumption shifts the final corpus by nearly \u20b920 lakh over 15 years on a \u20b925,000 monthly sip\u00a0<\/span><span class=\"\">.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">investment tenure.<\/span><\/strong><span class=\"\">\u00a0longer tenure means more compounding. the difference is significant. a \u20b95,000 monthly sip at 12% grows to roughly \u20b94.08 lakh in 5 years. to nearly \u20b950 lakh in 20 years\u00a0<\/span><span class=\"\">.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">monthly investment amount.<\/span><\/strong><span class=\"\">\u00a0higher contribution means higher corpus. but consistency matters more than the amount. a smaller sip maintained for longer beats a larger sip stopped early.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"what_calculators_do_not_include\"><\/span><strong><span class=\"\">what calculators do not include<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">expense ratio.<\/span><\/strong><span class=\"\">\u00a0the annual fee charged by the fund. reduces net returns. calculators show gross returns\u00a0<\/span><span class=\"\">.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">exit load.<\/span><\/strong><span class=\"\">\u00a0charged on early redemptions. calculators ignore this\u00a0<\/span><span class=\"\">.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">tax.<\/span><\/strong><span class=\"\">\u00a0capital gains tax reduces the actual amount received. calculators do not factor this in\u00a0<\/span><span class=\"\">.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">inflation.<\/span><\/strong><span class=\"\">\u00a0calculators show nominal returns. not real returns adjusted for inflation. a 12% return with 6% inflation is roughly 6% in real terms\u00a0<\/span><span class=\"\">.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"using_the_calculator_effectively\"><\/span><strong><span class=\"\">using the calculator effectively<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">use a range, not a single number.<\/span><\/strong><span class=\"\">\u00a0test 8%, 10%, and 12%. see if the goal works at the conservative estimate. if it breaks at 8%, the plan is fragile\u00a0<\/span><span class=\"\">.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">adjust for expenses.<\/span><\/strong><span class=\"\">\u00a0subtract the expense ratio from the assumed return. if the fund charges 1%, a 12% assumption becomes 11% in practice\u00a0<\/span><span class=\"\">.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">factor in inflation.<\/span><\/strong><span class=\"\">\u00a0inflate the goal amount, not just the returns. education costs double over 12-15 years at 6% inflation\u00a0<\/span><span class=\"\">.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">remember the goal sip calculator.<\/span><\/strong><span class=\"\">\u00a0some calculators work backwards. enter the target corpus and tenure. it shows the monthly sip needed\u00a0<\/span><span class=\"\">.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"the_difference_between_calculators_and_reality\"><\/span><strong><span class=\"\">the difference between calculators and reality<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">sip calculators assume steady monthly growth. markets are not steady.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">in 2022, nifty 50 gave 4.33% annual return. a sip calculator assuming 10% would have projected roughly \u20b91.26 lakh for a \u20b910,000 monthly sip. the actual market-linked calculation gave roughly the same number. because the timing of returns matters\u00a0<\/span><span class=\"\">.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">in 2023, when markets performed better, actual sip returns exceeded the calculator&#8217;s projection. in 2024, weaker returns in the later months dragged the final value down\u00a0<\/span><span class=\"\">.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">the calculator is a rough guide. not a promise.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"FAQs\"><\/span><strong><span class=\"\">FAQs<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">1. what is the sip calculator formula<\/span><\/strong><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">the formula is m = p \u00d7 {[(1 + r)^n &#8211; 1] \/ r} \u00d7 (1 + r). m is maturity value. p is monthly investment. n is number of instalments. r is monthly return rate\u00a0<\/span><span class=\"\">.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">2. why is the monthly return rate not simply annual return divided by 12<\/span><\/strong><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">because returns compound monthly. a 12% annual return becomes 0.95% monthly. using 1% overstates the final corpus\u00a0<\/span><span class=\"\">.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">3. how accurate are sip calculators<\/span><\/strong><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">they provide estimates, not guarantees. actual returns depend on market conditions, expenses, and taxes. treat the output as a rough projection\u00a0<\/span><span class=\"\">.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">4. what is a goal sip calculator<\/span><\/strong><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">it works backwards. enter the target corpus and tenure. the calculator shows the monthly sip needed to reach that goal\u00a0<\/span><span class=\"\">.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">5. can a sip calculator predict actual mutual fund returns<\/span><\/strong><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">no. it assumes a fixed annual return. actual mutual fund returns vary year to year. use it for planning, not prediction\u00a0<\/span><span class=\"\">.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>a sip calculator is a tool that estimates how monthly investments can grow over time\u00a0. it takes three inputs. monthly investment amount. expected return rate. investment tenure\u00a0. the output is a projected corpus. total invested amount. estimated returns. maturity value\u00a0. the calculator is useful for planning. it is not a guarantee. actual returns depend on [&#8230;]<\/p>\n<p><a class=\"btn btn-secondary understrap-read-more-link\" href=\"https:\/\/kuvera.in\/blog\/how-sip-calculators-work-and-which-factors-most-affect-the-results\/\">Read More&#8230;<\/a><\/p>\n","protected":false},"author":41,"featured_media":41740,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_exactmetrics_skip_tracking":false},"categories":[768],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How SIP Calculators Work: Key Factors That Affect Your Investment Returns<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/kuvera.in\/blog\/how-sip-calculators-work-and-which-factors-most-affect-the-results\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How SIP Calculators Work: Key Factors That Affect Your Investment Returns\" \/>\n<meta property=\"og:description\" content=\"a sip calculator is a tool that estimates how monthly investments can grow over time\u00a0. it takes three inputs. monthly investment amount. expected return rate. investment tenure\u00a0. the output is a projected corpus. total invested amount. estimated returns. maturity value\u00a0. the calculator is useful for planning. it is not a guarantee. actual returns depend on [...]Read More...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/kuvera.in\/blog\/how-sip-calculators-work-and-which-factors-most-affect-the-results\/\" \/>\n<meta property=\"og:site_name\" content=\"Kuvera\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/kuvera.in\" \/>\n<meta property=\"article:published_time\" content=\"2026-07-22T11:00:15+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-07-22T10:01:27+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2026\/07\/jakub-zerdzicki-Jfm-icueJUU-unsplash.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"3840\" \/>\n\t<meta property=\"og:image:height\" content=\"2160\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Kuvera Desk\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@Kuvera_In\" \/>\n<meta name=\"twitter:site\" content=\"@Kuvera_In\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Kuvera Desk\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"How SIP Calculators Work: Key Factors That Affect Your Investment Returns","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/kuvera.in\/blog\/how-sip-calculators-work-and-which-factors-most-affect-the-results\/","og_locale":"en_US","og_type":"article","og_title":"How SIP Calculators Work: Key Factors That Affect Your Investment Returns","og_description":"a sip calculator is a tool that estimates how monthly investments can grow over time\u00a0. it takes three inputs. monthly investment amount. expected return rate. investment tenure\u00a0. the output is a projected corpus. total invested amount. estimated returns. maturity value\u00a0. the calculator is useful for planning. it is not a guarantee. actual returns depend on [...]Read More...","og_url":"https:\/\/kuvera.in\/blog\/how-sip-calculators-work-and-which-factors-most-affect-the-results\/","og_site_name":"Kuvera","article_publisher":"https:\/\/www.facebook.com\/kuvera.in","article_published_time":"2026-07-22T11:00:15+00:00","article_modified_time":"2026-07-22T10:01:27+00:00","og_image":[{"width":3840,"height":2160,"url":"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2026\/07\/jakub-zerdzicki-Jfm-icueJUU-unsplash.jpg","type":"image\/jpeg"}],"author":"Kuvera Desk","twitter_card":"summary_large_image","twitter_creator":"@Kuvera_In","twitter_site":"@Kuvera_In","twitter_misc":{"Written by":"Kuvera Desk","Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/kuvera.in\/blog\/how-sip-calculators-work-and-which-factors-most-affect-the-results\/#article","isPartOf":{"@id":"https:\/\/kuvera.in\/blog\/how-sip-calculators-work-and-which-factors-most-affect-the-results\/"},"author":{"name":"Kuvera Desk","@id":"https:\/\/kuvera.in\/blog\/#\/schema\/person\/5f6f28482f886bf4493352e26c69ea7e"},"headline":"how SIP calculators work and which factors most affect the results?","datePublished":"2026-07-22T11:00:15+00:00","dateModified":"2026-07-22T10:01:27+00:00","mainEntityOfPage":{"@id":"https:\/\/kuvera.in\/blog\/how-sip-calculators-work-and-which-factors-most-affect-the-results\/"},"wordCount":657,"commentCount":0,"publisher":{"@id":"https:\/\/kuvera.in\/blog\/#organization"},"articleSection":["SIP"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/kuvera.in\/blog\/how-sip-calculators-work-and-which-factors-most-affect-the-results\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/kuvera.in\/blog\/how-sip-calculators-work-and-which-factors-most-affect-the-results\/","url":"https:\/\/kuvera.in\/blog\/how-sip-calculators-work-and-which-factors-most-affect-the-results\/","name":"How SIP Calculators Work: Key Factors That Affect Your Investment Returns","isPartOf":{"@id":"https:\/\/kuvera.in\/blog\/#website"},"datePublished":"2026-07-22T11:00:15+00:00","dateModified":"2026-07-22T10:01:27+00:00","breadcrumb":{"@id":"https:\/\/kuvera.in\/blog\/how-sip-calculators-work-and-which-factors-most-affect-the-results\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/kuvera.in\/blog\/how-sip-calculators-work-and-which-factors-most-affect-the-results\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/kuvera.in\/blog\/how-sip-calculators-work-and-which-factors-most-affect-the-results\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/kuvera.in\/blog\/"},{"@type":"ListItem","position":2,"name":"how SIP calculators work and which factors most affect the results?"}]},{"@type":"WebSite","@id":"https:\/\/kuvera.in\/blog\/#website","url":"https:\/\/kuvera.in\/blog\/","name":"Kuvera","description":"Wealth Management, Simplified","publisher":{"@id":"https:\/\/kuvera.in\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/kuvera.in\/blog\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/kuvera.in\/blog\/#organization","name":"Kuvera","url":"https:\/\/kuvera.in\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/kuvera.in\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/07\/cropped-cropped-kuvera-logo-dark-3.png","contentUrl":"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/07\/cropped-cropped-kuvera-logo-dark-3.png","width":83,"height":13,"caption":"Kuvera"},"image":{"@id":"https:\/\/kuvera.in\/blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/kuvera.in","https:\/\/twitter.com\/Kuvera_In","https:\/\/www.instagram.com\/kuvera.in","https:\/\/www.linkedin.com\/company-beta\/10456535\/"]},{"@type":"Person","@id":"https:\/\/kuvera.in\/blog\/#\/schema\/person\/5f6f28482f886bf4493352e26c69ea7e","name":"Kuvera Desk","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/kuvera.in\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/1027a6ea604d4476034a622d47bafcdc?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/1027a6ea604d4476034a622d47bafcdc?s=96&d=mm&r=g","caption":"Kuvera Desk"},"url":"https:\/\/kuvera.in\/blog\/author\/rudrakasturi\/"}]}},"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/kuvera.in\/blog\/wp-json\/wp\/v2\/posts\/41739"}],"collection":[{"href":"https:\/\/kuvera.in\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/kuvera.in\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/kuvera.in\/blog\/wp-json\/wp\/v2\/users\/41"}],"replies":[{"embeddable":true,"href":"https:\/\/kuvera.in\/blog\/wp-json\/wp\/v2\/comments?post=41739"}],"version-history":[{"count":1,"href":"https:\/\/kuvera.in\/blog\/wp-json\/wp\/v2\/posts\/41739\/revisions"}],"predecessor-version":[{"id":41741,"href":"https:\/\/kuvera.in\/blog\/wp-json\/wp\/v2\/posts\/41739\/revisions\/41741"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/kuvera.in\/blog\/wp-json\/wp\/v2\/media\/41740"}],"wp:attachment":[{"href":"https:\/\/kuvera.in\/blog\/wp-json\/wp\/v2\/media?parent=41739"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kuvera.in\/blog\/wp-json\/wp\/v2\/categories?post=41739"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kuvera.in\/blog\/wp-json\/wp\/v2\/tags?post=41739"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}