{"id":10797,"date":"2025-11-20T08:24:05","date_gmt":"2025-11-20T08:24:05","guid":{"rendered":"https:\/\/goldenpi.com\/blog\/?p=10797"},"modified":"2026-02-24T09:39:44","modified_gmt":"2026-02-24T09:39:44","slug":"top-5-alternatives-to-fixed-deposits","status":"publish","type":"post","link":"https:\/\/goldenpi.com\/blog\/fixed-deposit\/top-5-alternatives-to-fixed-deposits\/","title":{"rendered":"Top 5 Alternatives to Fixed Deposits\u200b in 2026"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">When it comes to safe investment plans in India, fixed deposits top the list. While bank FDs ensure capital safety, their returns are modest. That\u2019s why many investors are now exploring fixed deposit alternatives like G-Secs and corporate bonds that offer slightly higher returns.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you\u2019re wondering how to earn better returns than fixed deposits, we have you covered.\u00a0 This guide outlines the leading fixed deposit alternatives for 2026 and examines why investment options are worth considering.\u00a0<\/span><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 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\" style=\"cursor:inherit\">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:\/\/goldenpi.com\/blog\/fixed-deposit\/top-5-alternatives-to-fixed-deposits\/#5_Leading_Fixed_Deposit_Alternatives\" >5 Leading Fixed Deposit Alternatives<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/top-5-alternatives-to-fixed-deposits\/#1_Government_Securities\" >1. Government Securities<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/top-5-alternatives-to-fixed-deposits\/#2_Corporate_Bonds\" >2. Corporate Bonds<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/top-5-alternatives-to-fixed-deposits\/#3_Corporate_Fixed_Deposits\" >3. Corporate Fixed Deposits<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/top-5-alternatives-to-fixed-deposits\/#4_Debt_Mutual_Funds\" >4. Debt Mutual Funds<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/top-5-alternatives-to-fixed-deposits\/#5_Fixed_Maturity_Plans_FMPs\" >5. Fixed Maturity Plans (FMPs)<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/top-5-alternatives-to-fixed-deposits\/#Factors_to_Consider_When_Investing_in_Fixed_Deposit_Alternatives\" >Factors to Consider When Investing in Fixed Deposit Alternatives<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/top-5-alternatives-to-fixed-deposits\/#Making_Sense_of_FD_Alternatives_in_2026\" >Making Sense of FD Alternatives in 2026<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/top-5-alternatives-to-fixed-deposits\/#FAQs_on_Fixed_Deposit_Alternatives\" >FAQs on Fixed Deposit Alternatives<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/top-5-alternatives-to-fixed-deposits\/#1_What_are_some_good_fixed_deposit_alternatives\" >1. What are some good fixed deposit alternatives?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/top-5-alternatives-to-fixed-deposits\/#2_What_are_some_high-return_alternatives_to_FDs\" >2. What are some high-return alternatives to FDs?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/top-5-alternatives-to-fixed-deposits\/#3_Which_is_the_safest_fixed_income_option_other_than_FDs\" >3. Which is the safest fixed income option other than FDs?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/top-5-alternatives-to-fixed-deposits\/#4_Is_a_corporate_FD_safe\" >4. Is a corporate FD safe?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/top-5-alternatives-to-fixed-deposits\/#5_How_can_I_choose_the_right_fixed_deposit_alternative\" >5. How can I choose the right fixed deposit alternative?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/top-5-alternatives-to-fixed-deposits\/#6_Why_are_bonds_a_better_option_than_traditional_fixed_income\" >6. Why are bonds a better option than traditional fixed income?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/top-5-alternatives-to-fixed-deposits\/#7_What_are_the_top-rated_fixed-income_instruments_for_capital_security\" >7. What are the top-rated fixed-income instruments for capital security?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/top-5-alternatives-to-fixed-deposits\/#8_What_is_better_than_a_fixed_deposit_in_2026\" >8. What is better than a fixed deposit in 2026?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/top-5-alternatives-to-fixed-deposits\/#9_How_can_you_get_better_returns_than_bank_FDs_safely\" >9. How can you get better returns than bank FDs safely?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/top-5-alternatives-to-fixed-deposits\/#Disclaimer\" >Disclaimer:<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"5_Leading_Fixed_Deposit_Alternatives\"><\/span><b>5 Leading Fixed Deposit Alternatives<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"1_Government_Securities\"><\/span><b>1. Government Securities<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The umbrella of G-Secs includes various securities like treasury Bills which have maturities of 91, 182 or 364 days and are issued at a discount without periodic interest. This may make them a reliable fixed deposit alternative if you have short-term needs.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Government bonds offer semi-annual payouts and maturities up to 40 years. This makes them better suited for long-term goals. State Development Loans also pay interest on a semi-annual basis and come with 3\u201335 year tenures.<\/span><\/p>\n<p><b>Why investors consider them:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Relatively low-risk investment option for 2026 that\u2019s backed by the government<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Offering near-zero default risk and strong capital protection<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Available across short and long tenures to suit different time horizons and goals<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Yields often match or exceed many bank FDs, typically around 7%\u20137.5%<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You can easily invest in them via the RBI Retail Direct platform or SEBI-registered OBPP platforms like GoldenPi<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">May be suitable for long-term planning, emergency funds and low-risk portfolio allocation<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"2_Corporate_Bonds\"><\/span><b>2. Corporate Bonds<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">If you\u2019re looking for fixed income options other than FDs, you may consider corporate bonds. When you buy a corporate bond, you are lending money to the company in exchange for fixed interest payments at periodic intervals until maturity.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Returns vary based on the issuer\u2019s credit rating. AAA and AA bonds may offer safer, moderate returns, while A and BBB bonds may provide higher yields for those willing to accept slightly more risk.\u00a0<\/span><\/p>\n<p><b>Why consider them?<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Often provide higher returns of around 8%-15%\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Offer monthly, quarterly or annual interest payouts for regular income<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Unlike FDs, corporate bonds can be traded on registered bond platforms for easy entry and exit<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The perceived risk level in corporate bonds are low, especially in AAA-rated bonds\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">May be suitable for investors seeking predictable income with controlled risk<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"3_Corporate_Fixed_Deposits\"><\/span><b>3. Corporate Fixed Deposits<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Issued by NFBCs and companies, corporate FDs remain a popular bank fixed deposit alternative. While these FDs tend to offer attractive yields, they are not covered under the DICGC 5 Lakh insurance cover.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Therefore, the safety of the investment depends entirely on the credit rating of the issuer. Higher credit ratings like AAA may suggest lower default risk, making such corporate FDs good low-risk investment options for 2026.<\/span><\/p>\n<p><b>Why consider them?<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Better interest rates makes them high-return alternatives to FDs in banks<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Suited for short- and medium-term goals with tenures ranging from 12-60 months<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Non-cumulative options are useful for investors seeking monthly income investment plans<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Easy online application and paperless documentation process<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Can be laddered to maintain liquidity while earning steady returns<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"4_Debt_Mutual_Funds\"><\/span><b>4. Debt Mutual Funds<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">If you\u2019re looking for how to earn better returns than fixed deposits while keeping risk relatively low, you may consider debt mutual funds. These funds invest the pooled corpus into government securities, corporate debt, and money market instruments.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You can choose from a variety of debt funds like liquid, short duration, long duration, and gilt funds based on your goals and time horizon. For instance, if your goal is creating an accessible emergency reserve, you may consider liquid funds. However, if you\u2019re investing for a long-term goal that\u2019s 5 years away, you may consider long duration funds.<\/span><\/p>\n<p><b>Why consider them?<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">May be high return alternatives to FDs if you\u2019re willing to take on a little more risk<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">No fixed maturity date so you can easily withdraw your investment when needed<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Managed by professionals who handle risk and allocation<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Relatively low-risk investment options for 2026 when compared to direct equity or equity funds<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"5_Fixed_Maturity_Plans_FMPs\"><\/span><b>5. Fixed Maturity Plans (FMPs)<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Fixed Maturity Plans are closed-ended debt funds that invest in corporate bonds, government securities and similar instruments that mature at the same time as the fund. Because the investment and fund maturity align, returns are more predictable than most market-linked products.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">They do require locking in your money until the term ends, but they often deliver better outcomes than traditional fixed deposits while keeping risk relatively low. Investors with clear short-term or medium-term goals often find them useful for stable, tax-efficient growth.<\/span><\/p>\n<p><b>Why consider them?<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Better predictability of returns due to aligned maturities<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">May often higher yields than conventional fixed deposits<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lower risk compared to other market-linked FD alternatives\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Can be useful for short- and medium-term financial goals where liquidity is not essential<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Factors_to_Consider_When_Investing_in_Fixed_Deposit_Alternatives\"><\/span><b>Factors to Consider When Investing in Fixed Deposit Alternatives<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Before choosing fixed deposit alternatives, you can review these factors to ensure your investment aligns with your needs, risk level and long-term financial goals:<\/span><\/p>\n<ul>\n<li aria-level=\"1\"><b>Risk tolerance<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Some high-return alternatives to FDs like debt funds may offer potentially higher earnings, but they may also carry greater market risk. That\u2019s why, it\u2019s important to evaluate your own comfort with risk before choosing a fixed deposit alternative.\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Investment horizon<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">For long-term goals, you may be open to fixed deposit alternatives with slightly higher risk if it means potentially higher returns. But for short-term needs, it may be wiser to choose safer options that protect your capital and offer easy access when required.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Liquidity needs<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Check whether the investment allows easy withdrawals or has lock-in periods. For instance, if you need quick access to your money, options like liquid funds may be better than fixed maturity plans.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Taxation<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The tax treatment of different fixed deposit alternatives varies based on the product category. So consider how interest or gains will be taxed compared to earnings from a fixed deposit.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Inflation<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Consider the rate of inflation to pick high-return alternatives to FDs that can potentially outpace inflation levels. This may help you preserve the value of your investment over the long-run.\u00a0\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Making_Sense_of_FD_Alternatives_in_2026\"><\/span><b>Making Sense of FD Alternatives in 2026<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">While FDs remain a popular choice among Indians, their modest returns may limit your wealth creation journey. Fixed deposit alternatives like G-Secs, corporate bonds, corporate FDs, debt funds, and FMPs can be smarter ways of growing your money while balancing risk.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you\u2019re looking to explore fixed-income options other than FDs, you can visit <\/span><a href=\"https:\/\/goldenpi.com\/\"><span style=\"font-weight: 400;\">GoldenPi<\/span><\/a><span style=\"font-weight: 400;\">. Here you\u2019ll find a range of low-risk investment options for 2026, including high-yield corporate FDs, corporate bonds, and debentures.\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"FAQs_on_Fixed_Deposit_Alternatives\"><\/span><b>FAQs on Fixed Deposit Alternatives<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"1_What_are_some_good_fixed_deposit_alternatives\"><\/span><b>1. What are some good fixed deposit alternatives?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Government securities, corporate bonds, corporate FDs, debt mutual funds and fixed maturity plans are some good fixed deposit alternatives.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_What_are_some_high-return_alternatives_to_FDs\"><\/span><b>2. What are some high-return alternatives to FDs?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Corporate bonds and certain debt mutual funds may offer higher returns than traditional FDs. But before you invest in any of these fixed deposit alternatives, remember to review their credit quality and your risk appetite.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Which_is_the_safest_fixed_income_option_other_than_FDs\"><\/span><b>3. Which is the safest fixed income option other than FDs?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Government securities are considered the safest, followed by highly rated corporate bonds and well-rated corporate FDs.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Is_a_corporate_FD_safe\"><\/span><b>4. Is a corporate FD safe?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Corporate FDs with a high credit rating of AAA are considered relatively safe. A high credit rating suggests lower default risk on the part of the issuer.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">However, you should note that unlike bank FDs, corporate FDs do not have the DICGC cover of 5 Lakhs. This means in the event of a default, there is no guarantee that you will receive your money back.\u00a0<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_How_can_I_choose_the_right_fixed_deposit_alternative\"><\/span><b>5. How can I choose the right fixed deposit alternative?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Start by assessing your risk tolerance, investment horizon and liquidity needs. Then compare options like government securities, corporate bonds, debt funds or corporate FDs based on safety, expected returns and tax impact.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You may then pick the investment that matches your financial goals rather than chasing the highest return.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_Why_are_bonds_a_better_option_than_traditional_fixed_income\"><\/span><strong>6. Why are bonds a better option than traditional fixed income?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Bonds may offer comparatively higher interest rates (particularly <\/span><a href=\"https:\/\/goldenpi.com\/collections\/high-yield-bonds\"><span style=\"font-weight: 400;\">high-yield bonds<\/span><\/a><span style=\"font-weight: 400;\">) and a chance to earn potential capital appreciation. However, since bonds carry credit and market risk, you may assess your risk tolerance limit before investing.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_What_are_the_top-rated_fixed-income_instruments_for_capital_security\"><\/span><strong>7. What are the top-rated fixed-income instruments for capital security?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">You may prefer G-secs or <\/span><a href=\"https:\/\/goldenpi.com\/collections\/state-government-guranteed-bonds\"><span style=\"font-weight: 400;\">state government guaranteed bonds<\/span><\/a><span style=\"font-weight: 400;\"> that usually come with a \u201csovereign guarantee\u201d. Additionally, you can also consider <\/span><a href=\"https:\/\/goldenpi.com\/collections\/highly-rated-bonds\"><span style=\"font-weight: 400;\">highly-rated corporate bonds<\/span><\/a><span style=\"font-weight: 400;\"> (say, AAA or AA-rated bonds), which carry minimal default risk.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"8_What_is_better_than_a_fixed_deposit_in_2026\"><\/span><strong>8. What is better than a fixed deposit in 2026?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">In debt instruments or fixed-income products, you may consider corporate bonds or debt mutual funds. They may offer a comparatively higher interest rate than FDs, along with the potential to realise capital appreciation.\u00a0<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"9_How_can_you_get_better_returns_than_bank_FDs_safely\"><\/span><strong>9. How can you get better returns than bank FDs safely?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">To earn better returns than bank FDs safely, look at AAA-rated corporate bonds or G-Secs, which often yield around 7-9% with low default risk. Platforms like RBI Retail Direct make it simple for you to start small and ladder investments. Match them to your time horizon for peace of mind.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Disclaimer\"><\/span><b>Disclaimer:<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">This information is for general information purposes only. GoldenPi makes no guarantee on the accuracy of the data provided here; the information displayed is subject to change and is provided on an as-is basis. Nothing contained herein is intended to or shall be deemed to be investment advice, implied or otherwise. Investments in the securities market are subject to market risks. Read all the offer-related documents carefully before investing.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Fixed Deposit schemes are regulated by the Reserve Bank of India. GoldenPi Securities Private Limited is a registered debt broker and acts as a distributor and not as a manufacturer of the product.<\/span><br \/>\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What are some good fixed deposit alternatives?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Government securities, corporate bonds, corporate FDs, debt mutual funds and fixed maturity plans are some good fixed deposit alternatives.\"}},{\"@type\":\"Question\",\"name\":\"What are some high-return alternatives to FDs?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Corporate bonds and certain debt mutual funds may offer higher returns than traditional FDs. But before you invest in any of these fixed deposit alternatives, remember to review their credit quality and your risk appetite.\"}},{\"@type\":\"Question\",\"name\":\"Which is the safest fixed income option other than FDs?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Government securities are considered the safest, followed by highly rated corporate bonds and well-rated corporate FDs.\"}},{\"@type\":\"Question\",\"name\":\"Is a corporate FD safe?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Corporate FDs with a high credit rating of AAA are considered relatively safe. A high credit rating suggests lower default risk on the part of the issuer.\u00a0\\n\\nHowever, you should note that unlike bank FDs, corporate FDs do not have the DICGC cover of 5 Lakhs. This means in the event of a default, there is no guarantee that you will receive your money back.\u00a0\"}},{\"@type\":\"Question\",\"name\":\"How can I choose the right fixed deposit alternative?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Start by assessing your risk tolerance, investment horizon and liquidity needs. Then compare options like government securities, corporate bonds, debt funds or corporate FDs based on safety, expected returns and tax impact.\u00a0\\n\\nYou may then pick the investment that matches your financial goals rather than chasing the highest return.\\n\"}}]}<\/script><\/p>\n<p>&nbsp;<\/p>\n<p>Latest Updated: 23-02-2026<\/p>\n","protected":false},"excerpt":{"rendered":"<p>When it comes to safe investment plans in India, fixed deposits top the list. While bank FDs ensure capital safety, their returns&hellip;<\/p>\n","protected":false},"author":8,"featured_media":11935,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"no","_lmt_disable":"","footnotes":""},"categories":[225],"tags":[828,829,830,831,832,833,834,835],"class_list":["post-10797","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fixed-deposit","tag-fixed-deposit-alternatives","tag-best-investment-options-2026","tag-high-return-alternatives-to-fds","tag-safe-investment-plans-india","tag-fixed-income-options-other-than-fd","tag-how-to-earn-better-returns-than-fixed-deposits","tag-low-risk-investment-options-for-2026","tag-monthly-income-investment-plans"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Top Fixed Deposit Alternatives for 2026<\/title>\n<meta name=\"description\" content=\"Explore fixed deposit alternatives in 2026, including bonds, debt funds and corporate FDs, to earn better returns while keeping risk low and income stable.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/top-5-alternatives-to-fixed-deposits\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Top Fixed Deposit Alternatives for 2026\" \/>\n<meta property=\"og:description\" content=\"Explore fixed deposit alternatives in 2026, including bonds, debt funds and corporate FDs, to earn better returns while keeping risk low and income stable.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/top-5-alternatives-to-fixed-deposits\/\" \/>\n<meta property=\"og:site_name\" content=\"GoldenPi | Blogs\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/goldenpitech\" \/>\n<meta property=\"article:published_time\" content=\"2025-11-20T08:24:05+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-24T09:39:44+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/11\/24093926\/Top-5-Alternatives-to-Fixed-Deposits%E2%80%8B-in-2026.png\" \/>\n\t<meta property=\"og:image:width\" content=\"731\" \/>\n\t<meta property=\"og:image:height\" content=\"347\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Abhijit Roy, CEO &amp; CO-Founder - GoldenPi\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@GoldenPiTech\" \/>\n<meta name=\"twitter:site\" content=\"@GoldenPiTech\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Abhijit Roy, CEO &amp; CO-Founder - GoldenPi\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"8 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/top-5-alternatives-to-fixed-deposits\/\",\"url\":\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/top-5-alternatives-to-fixed-deposits\/\",\"name\":\"Top Fixed Deposit Alternatives for 2026\",\"isPartOf\":{\"@id\":\"https:\/\/goldenpi.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/top-5-alternatives-to-fixed-deposits\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/top-5-alternatives-to-fixed-deposits\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/11\/24093926\/Top-5-Alternatives-to-Fixed-Deposits%E2%80%8B-in-2026.png\",\"datePublished\":\"2025-11-20T08:24:05+00:00\",\"dateModified\":\"2026-02-24T09:39:44+00:00\",\"author\":{\"@id\":\"https:\/\/goldenpi.com\/blog\/#\/schema\/person\/5509723fa5ddf09c308e03423c578453\"},\"description\":\"Explore fixed deposit alternatives in 2026, including bonds, debt funds and corporate FDs, to earn better returns while keeping risk low and income stable.\",\"breadcrumb\":{\"@id\":\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/top-5-alternatives-to-fixed-deposits\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/top-5-alternatives-to-fixed-deposits\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/top-5-alternatives-to-fixed-deposits\/#primaryimage\",\"url\":\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/11\/24093926\/Top-5-Alternatives-to-Fixed-Deposits%E2%80%8B-in-2026.png\",\"contentUrl\":\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/11\/24093926\/Top-5-Alternatives-to-Fixed-Deposits%E2%80%8B-in-2026.png\",\"width\":731,\"height\":347,\"caption\":\"Top 5 Alternatives to Fixed Deposits\u200b in 2026\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/top-5-alternatives-to-fixed-deposits\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/goldenpi.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Top 5 Alternatives to Fixed Deposits\u200b in 2026\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/goldenpi.com\/blog\/#website\",\"url\":\"https:\/\/goldenpi.com\/blog\/\",\"name\":\"GoldenPi | Blogs\",\"description\":\"All about bonds online in India\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/goldenpi.com\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/goldenpi.com\/blog\/#\/schema\/person\/5509723fa5ddf09c308e03423c578453\",\"name\":\"Abhijit Roy, CEO &amp; CO-Founder - GoldenPi\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/goldenpi.com\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/50148fe2f5e810e7f34adaace371bdbceacbbce605afb4463be346a7434151e7?s=96&d=https%3A%2F%2Fd2zny4996dl67j.cloudfront.net%2Fblogs%2Fwp-content%2Fuploads%2F2026%2F01%2F12111941%2FAbhijit-512x512-1-1-150x150.png&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/50148fe2f5e810e7f34adaace371bdbceacbbce605afb4463be346a7434151e7?s=96&d=https%3A%2F%2Fd2zny4996dl67j.cloudfront.net%2Fblogs%2Fwp-content%2Fuploads%2F2026%2F01%2F12111941%2FAbhijit-512x512-1-1-150x150.png&r=g\",\"caption\":\"Abhijit Roy, CEO &amp; CO-Founder - GoldenPi\"},\"description\":\"With over 15 years of experience across fixed income and debt markets, he brings deep domain expertise along with a strong focus on investor education and transparency. An alumnus of IIT Kharagpur and IIM Calcutta, his views are personal and should not be considered investment advice.\",\"url\":\"https:\/\/goldenpi.com\/blog\/author\/seo-agency\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Top Fixed Deposit Alternatives for 2026","description":"Explore fixed deposit alternatives in 2026, including bonds, debt funds and corporate FDs, to earn better returns while keeping risk low and income stable.","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:\/\/goldenpi.com\/blog\/fixed-deposit\/top-5-alternatives-to-fixed-deposits\/","og_locale":"en_US","og_type":"article","og_title":"Top Fixed Deposit Alternatives for 2026","og_description":"Explore fixed deposit alternatives in 2026, including bonds, debt funds and corporate FDs, to earn better returns while keeping risk low and income stable.","og_url":"https:\/\/goldenpi.com\/blog\/fixed-deposit\/top-5-alternatives-to-fixed-deposits\/","og_site_name":"GoldenPi | Blogs","article_publisher":"https:\/\/www.facebook.com\/goldenpitech","article_published_time":"2025-11-20T08:24:05+00:00","article_modified_time":"2026-02-24T09:39:44+00:00","og_image":[{"width":731,"height":347,"url":"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/11\/24093926\/Top-5-Alternatives-to-Fixed-Deposits%E2%80%8B-in-2026.png","type":"image\/png"}],"author":"Abhijit Roy, CEO &amp; CO-Founder - GoldenPi","twitter_card":"summary_large_image","twitter_creator":"@GoldenPiTech","twitter_site":"@GoldenPiTech","twitter_misc":{"Written by":"Abhijit Roy, CEO &amp; CO-Founder - GoldenPi","Est. reading time":"8 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/goldenpi.com\/blog\/fixed-deposit\/top-5-alternatives-to-fixed-deposits\/","url":"https:\/\/goldenpi.com\/blog\/fixed-deposit\/top-5-alternatives-to-fixed-deposits\/","name":"Top Fixed Deposit Alternatives for 2026","isPartOf":{"@id":"https:\/\/goldenpi.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/goldenpi.com\/blog\/fixed-deposit\/top-5-alternatives-to-fixed-deposits\/#primaryimage"},"image":{"@id":"https:\/\/goldenpi.com\/blog\/fixed-deposit\/top-5-alternatives-to-fixed-deposits\/#primaryimage"},"thumbnailUrl":"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/11\/24093926\/Top-5-Alternatives-to-Fixed-Deposits%E2%80%8B-in-2026.png","datePublished":"2025-11-20T08:24:05+00:00","dateModified":"2026-02-24T09:39:44+00:00","author":{"@id":"https:\/\/goldenpi.com\/blog\/#\/schema\/person\/5509723fa5ddf09c308e03423c578453"},"description":"Explore fixed deposit alternatives in 2026, including bonds, debt funds and corporate FDs, to earn better returns while keeping risk low and income stable.","breadcrumb":{"@id":"https:\/\/goldenpi.com\/blog\/fixed-deposit\/top-5-alternatives-to-fixed-deposits\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/goldenpi.com\/blog\/fixed-deposit\/top-5-alternatives-to-fixed-deposits\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/goldenpi.com\/blog\/fixed-deposit\/top-5-alternatives-to-fixed-deposits\/#primaryimage","url":"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/11\/24093926\/Top-5-Alternatives-to-Fixed-Deposits%E2%80%8B-in-2026.png","contentUrl":"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/11\/24093926\/Top-5-Alternatives-to-Fixed-Deposits%E2%80%8B-in-2026.png","width":731,"height":347,"caption":"Top 5 Alternatives to Fixed Deposits\u200b in 2026"},{"@type":"BreadcrumbList","@id":"https:\/\/goldenpi.com\/blog\/fixed-deposit\/top-5-alternatives-to-fixed-deposits\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/goldenpi.com\/blog\/"},{"@type":"ListItem","position":2,"name":"Top 5 Alternatives to Fixed Deposits\u200b in 2026"}]},{"@type":"WebSite","@id":"https:\/\/goldenpi.com\/blog\/#website","url":"https:\/\/goldenpi.com\/blog\/","name":"GoldenPi | Blogs","description":"All about bonds online in India","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/goldenpi.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/goldenpi.com\/blog\/#\/schema\/person\/5509723fa5ddf09c308e03423c578453","name":"Abhijit Roy, CEO &amp; CO-Founder - GoldenPi","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/goldenpi.com\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/50148fe2f5e810e7f34adaace371bdbceacbbce605afb4463be346a7434151e7?s=96&d=https%3A%2F%2Fd2zny4996dl67j.cloudfront.net%2Fblogs%2Fwp-content%2Fuploads%2F2026%2F01%2F12111941%2FAbhijit-512x512-1-1-150x150.png&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/50148fe2f5e810e7f34adaace371bdbceacbbce605afb4463be346a7434151e7?s=96&d=https%3A%2F%2Fd2zny4996dl67j.cloudfront.net%2Fblogs%2Fwp-content%2Fuploads%2F2026%2F01%2F12111941%2FAbhijit-512x512-1-1-150x150.png&r=g","caption":"Abhijit Roy, CEO &amp; CO-Founder - GoldenPi"},"description":"With over 15 years of experience across fixed income and debt markets, he brings deep domain expertise along with a strong focus on investor education and transparency. An alumnus of IIT Kharagpur and IIM Calcutta, his views are personal and should not be considered investment advice.","url":"https:\/\/goldenpi.com\/blog\/author\/seo-agency\/"}]}},"post_mailing_queue_ids":[],"_links":{"self":[{"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/posts\/10797","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/comments?post=10797"}],"version-history":[{"count":6,"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/posts\/10797\/revisions"}],"predecessor-version":[{"id":11887,"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/posts\/10797\/revisions\/11887"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/media\/11935"}],"wp:attachment":[{"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/media?parent=10797"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/categories?post=10797"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/tags?post=10797"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}