{"id":6459,"date":"2025-07-10T11:38:54","date_gmt":"2025-07-10T11:38:54","guid":{"rendered":"https:\/\/margbooks.com\/blogs\/?p=6459"},"modified":"2026-09-14T08:29:18","modified_gmt":"2026-09-14T08:29:18","slug":"why-did-the-bank-report-your-sft-005-time-deposit-to-the-income-tax-authority","status":"publish","type":"post","link":"https:\/\/margbooks.com\/blogs\/why-did-the-bank-report-your-sft-005-time-deposit-to-the-income-tax-authority\/","title":{"rendered":"Why Did the Bank Report Your SFT-005 Time Deposit to the Income Tax Authority?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_69_1 ez-toc-wrap-left 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: #1c6e70;color:#1c6e70\" 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: #1c6e70;color:#1c6e70\" 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:\/\/margbooks.com\/blogs\/why-did-the-bank-report-your-sft-005-time-deposit-to-the-income-tax-authority\/#What_is_Purchase_of_Time_Deposits_SFT-005\" title=\"What is Purchase of Time Deposits (SFT-005)?\">What is Purchase of Time Deposits (SFT-005)?<\/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:\/\/margbooks.com\/blogs\/why-did-the-bank-report-your-sft-005-time-deposit-to-the-income-tax-authority\/#The_Basics_You_Need_to_Know\" title=\"The Basics You Need to Know\">The Basics You Need to Know<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/margbooks.com\/blogs\/why-did-the-bank-report-your-sft-005-time-deposit-to-the-income-tax-authority\/#Why_Banks_Cant_Keep_Quiet_About_Your_Money\" title=\"Why Banks Can&#8217;t Keep Quiet About Your Money?\">Why Banks Can&#8217;t Keep Quiet About Your Money?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/margbooks.com\/blogs\/why-did-the-bank-report-your-sft-005-time-deposit-to-the-income-tax-authority\/#How_does_this_affect_your_Tax_Situation\" title=\"How does this affect your Tax Situation?\">How does this affect your Tax Situation?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/margbooks.com\/blogs\/why-did-the-bank-report-your-sft-005-time-deposit-to-the-income-tax-authority\/#Is_Purchase_of_Time_Deposit_SFT-005_Taxable_or_Not\" title=\"Is Purchase of Time Deposit SFT-005 Taxable or Not?\">Is Purchase of Time Deposit SFT-005 Taxable or Not?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/margbooks.com\/blogs\/why-did-the-bank-report-your-sft-005-time-deposit-to-the-income-tax-authority\/#What_the_Tax_Department_Wants_to_Know\" title=\"What the Tax Department Wants to Know?\">What the Tax Department Wants to Know?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/margbooks.com\/blogs\/why-did-the-bank-report-your-sft-005-time-deposit-to-the-income-tax-authority\/#Common_Scenarios_That_Trigger_Reports\" title=\"Common Scenarios That Trigger Reports\">Common Scenarios That Trigger Reports<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/margbooks.com\/blogs\/why-did-the-bank-report-your-sft-005-time-deposit-to-the-income-tax-authority\/#What_Should_You_Do_Now\" title=\"What Should You Do Now?\">What Should You Do Now?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/margbooks.com\/blogs\/why-did-the-bank-report-your-sft-005-time-deposit-to-the-income-tax-authority\/#Step_1_Gather_Your_Documents\" title=\"Step 1: Gather Your Documents\">Step 1: Gather Your Documents<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/margbooks.com\/blogs\/why-did-the-bank-report-your-sft-005-time-deposit-to-the-income-tax-authority\/#Step_2_Review_Your_Tax_Returns\" title=\"Step 2: Review Your Tax Returns\">Step 2: Review Your Tax Returns<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/margbooks.com\/blogs\/why-did-the-bank-report-your-sft-005-time-deposit-to-the-income-tax-authority\/#Step_3_Respond_Appropriately\" title=\"Step 3: Respond Appropriately\">Step 3: Respond Appropriately<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/margbooks.com\/blogs\/why-did-the-bank-report-your-sft-005-time-deposit-to-the-income-tax-authority\/#Preventing_Future_Surprises\" title=\"Preventing Future Surprises\">Preventing Future Surprises<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/margbooks.com\/blogs\/why-did-the-bank-report-your-sft-005-time-deposit-to-the-income-tax-authority\/#Keep_Better_Records\" title=\"Keep Better Records\">Keep Better Records<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/margbooks.com\/blogs\/why-did-the-bank-report-your-sft-005-time-deposit-to-the-income-tax-authority\/#Be_Proactive_with_Tax_Planning\" title=\"Be Proactive with Tax Planning\">Be Proactive with Tax Planning<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/margbooks.com\/blogs\/why-did-the-bank-report-your-sft-005-time-deposit-to-the-income-tax-authority\/#The_Bottom_Line\" title=\"The Bottom Line\">The Bottom Line<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/margbooks.com\/blogs\/why-did-the-bank-report-your-sft-005-time-deposit-to-the-income-tax-authority\/#FAQs\" title=\"FAQs&nbsp;\">FAQs&nbsp;<\/a><\/li><\/ul><\/nav><\/div>\n\n<p>You just got a letter from the tax department about your <strong>Purchase of Time Deposits (SFT-005)<\/strong>. Your heart skips a beat. What&#8217;s going on? Did you do something wrong? Don&#8217;t panic! This happens to thousands of people every year. Banks are required by law to report certain financial transactions to the Income Tax Authority.<\/p>\n\n\n\n<p>Your time deposit crossed a specific threshold, and now the tax folks want to make sure you&#8217;re paying what you owe. Let&#8217;s break down exactly what this means for you, and why <strong>sft 005 income tax <\/strong>reporting isn&#8217;t as scary as it sounds.<\/p>\n\n\n\n<div class=\"btn-div\">\n\n    <a href=\"https:\/\/me9.in\/MBB\" class=\"marg-btn\" target=\"_blank\" rel=\"noopener\">Get GST Billing Software<\/a>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_Purchase_of_Time_Deposits_SFT-005\"><\/span><strong><strong>What is Purchase of Time Deposits (SFT-005)?<\/strong><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Purchase of Time Deposits (SFT-005) is a Statement of Financial Transaction that banks and financial institutions file with the Income Tax Department whenever a person&#8217;s fixed or time deposits cross a specified limit in a financial year.<strong> <\/strong>Think of it as a code the government uses to keep an eye on large money movements, a filing system for financial transactions that would otherwise stay invisible to the tax department.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The_Basics_You_Need_to_Know\"><\/span><strong>The Basics You Need to Know<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>When you put money in a fixed deposit or time deposit, the bank keeps detailed records. Here&#8217;s what triggers reporting under SFT 05 income tax rules:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Deposit amounts over \u20b910 lakh in a single transaction<\/li>\n\n\n\n<li>Multiple deposits totaling \u20b910 lakh or more in a financial year<\/li>\n\n\n\n<li>Interest earned exceeding certain limits<\/li>\n\n\n\n<li>Premature withdrawal penalties and adjustments<\/li>\n<\/ul>\n\n\n\n<p>The bank doesn&#8217;t report this to cause you trouble. They&#8217;re just following the rules. It&#8217;s similar to how MargBooks helps businesses track their transactions automatically. Banks have their systems to monitor and report large financial movements. Similarly, <a href=\"https:\/\/margbooks.com\/gst-billing-software.html\">GST billing software<\/a> ensures you&#8217;re compliant with tax obligations.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why_Banks_Cant_Keep_Quiet_About_Your_Money\"><\/span><strong>Why Banks Can&#8217;t Keep Quiet About Your Money?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Banks aren&#8217;t gossiping about your finances. They&#8217;re legally bound to share this information. Think of it like a security guard who has to report everyone entering a building. The guard isn&#8217;t being nosy, they&#8217;re doing their job.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_does_this_affect_your_Tax_Situation\"><\/span><strong>How does this affect your Tax Situation?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Getting flagged for a Purchase of Time Deposits (SFT-005)<strong> <\/strong>entry doesn&#8217;t mean you&#8217;re in trouble. It just means the tax department wants to verify your income sources.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Is_Purchase_of_Time_Deposit_SFT-005_Taxable_or_Not\"><\/span><strong>Is Purchase of Time Deposit SFT-005 Taxable or Not?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>The deposit itself is not taxable. Putting money into a fixed deposit is simply moving your own funds around, so SFT-005 reporting by itself doesn&#8217;t create a tax liability. What is taxable is the interest you earn on that deposit, which gets added to your total income and taxed as per your applicable slab rate. So when someone asks whether an SFT-005 time deposit is taxable or not, the honest answer is: the principal isn&#8217;t, but the interest is, and the bank may already be deducting TDS on it before it even reaches your account.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_the_Tax_Department_Wants_to_Know\"><\/span><strong>What the Tax Department Wants to Know?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>The Income Tax Authority uses this information to:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Match your declared income with your actual deposits<\/li>\n\n\n\n<li>Ensure you&#8217;re paying tax on interest earned<\/li>\n\n\n\n<li>Verify the source of your deposited funds<\/li>\n\n\n\n<li>Check for any undisclosed income<\/li>\n<\/ul>\n\n\n\n<p>Remember, if you&#8217;ve been honest about your income and paid your taxes properly, you have nothing to worry about. It&#8217;s like when MargBooks users generate reports, everything&#8217;s transparent and above board.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Common_Scenarios_That_Trigger_Reports\"><\/span><strong>Common Scenarios That Trigger Reports<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>You might wonder why your deposit got flagged. Here are the most common reasons:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Salary bonuses or arrears deposited in a lump sum<\/li>\n\n\n\n<li>Sale of property or investments<\/li>\n\n\n\n<li>Insurance maturity proceeds<\/li>\n\n\n\n<li>Loan amounts deposited temporarily and later parked in a Purchase of Time Deposits (SFT-005) account\u00a0<\/li>\n\n\n\n<li>Business income deposited in personal accounts<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_Should_You_Do_Now\"><\/span><strong>What Should You Do Now?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Don&#8217;t ignore that letter from the tax department. Here&#8217;s your action plan:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Step_1_Gather_Your_Documents\"><\/span><strong>Step 1: Gather Your Documents<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Collect all paperwork related to your deposit:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Bank statements showing the deposit<\/li>\n\n\n\n<li>Source documents (salary slips, sale deeds, etc.)<\/li>\n\n\n\n<li>Previous tax returns<\/li>\n\n\n\n<li>Any correspondence with the bank<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Step_2_Review_Your_Tax_Returns\"><\/span><strong>Step 2: Review Your Tax Returns<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Check if you&#8217;ve properly declared:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The interest income from your deposit<\/li>\n\n\n\n<li>The source of the deposited amount<\/li>\n\n\n\n<li>Any TDS deducted by the bank<\/li>\n<\/ul>\n\n\n\n<p>If you&#8217;re running a business, softwares such as <a href=\"https:\/\/margbooks.com\/billing-software.html\">online billing software<\/a> can help you track all your transactions properly.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Step_3_Respond_Appropriately\"><\/span><strong>Step 3: Respond Appropriately<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>When you receive notices:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Don&#8217;t panic or ignore them<\/li>\n\n\n\n<li>Respond within the given timeframe<\/li>\n\n\n\n<li>Provide clear documentation<\/li>\n\n\n\n<li>Consider consulting a tax professional if needed<\/li>\n<\/ul>\n\n\n\n<div class=\"btn-div\">\n\n    <a href=\"https:\/\/me9.in\/MBB\" class=\"marg-btn\" target=\"_blank\" rel=\"noopener\">Get online Billing Software<\/a>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Preventing_Future_Surprises\"><\/span><strong>Preventing Future Surprises<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Want to avoid unexpected tax notices? Here&#8217;s how:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Keep_Better_Records\"><\/span><strong>Keep Better Records<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>When MargBooks helps businesses maintain accurate financial records, you should:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Save all deposit receipts<\/li>\n\n\n\n<li>Document the source of large deposits<\/li>\n\n\n\n<li>Keep tax payment receipts<\/li>\n\n\n\n<li>Maintain a simple record of all major transactions<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Be_Proactive_with_Tax_Planning\"><\/span><strong>Be Proactive with Tax Planning<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Declare all income sources honestly<\/li>\n\n\n\n<li>Pay taxes on time<\/li>\n\n\n\n<li>Keep your PAN details updated with the bank<\/li>\n\n\n\n<li>Consider spreading large deposits across financial years if possible<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The_Bottom_Line\"><\/span><strong>The Bottom Line<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Getting reported under sft 005 income tax rules for a time deposit isn&#8217;t the end of the world. It&#8217;s just the tax system doing its job. The key is staying calm and responding appropriately.<\/p>\n\n\n\n<p>Think of it this way, if you&#8217;ve been honest with your taxes, this is just paperwork. If you haven&#8217;t, now&#8217;s the time to set things right with <a href=\"https:\/\/margbooks.com\/\">MargBooks<\/a>. The tax department isn&#8217;t trying to catch you doing something wrong. They&#8217;re just making sure everyone pays their fair share.<\/p>\n\n\n\n<p>It shows that large financial transactions are being monitored, which helps prevent tax evasion and keeps the system fair for everyone.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAQs\"><\/span><strong>FAQs&nbsp;<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h6 class=\"wp-block-heading\"><strong>1. What is Purchase of Time Deposits (SFT-005)?]<\/strong>&nbsp;<\/h6>\n\n\n\n<p>It&#8217;s a report that banks file with the Income Tax Department when a customer&#8217;s fixed or time deposits cross a set threshold in a financial year, so the department can cross-check declared income against actual bank activity.<\/p>\n\n\n\n<h6 class=\"wp-block-heading\"><strong>2. Why does my bank report under sft 005 income tax rules?<\/strong>&nbsp;<\/h6>\n\n\n\n<p>Because it&#8217;s legally required to. Once your deposits cross the specified limit, the bank has no choice but to file the SFT-005 report; it isn&#8217;t a judgment call on their part.<\/p>\n\n\n\n<h6 class=\"wp-block-heading\"><strong>3. Is a purchase of time deposit SFT-005 taxable or not?<\/strong>&nbsp;<\/h6>\n\n\n\n<p>The deposit amount itself isn&#8217;t taxable since it&#8217;s your own money. The interest you earn on it is taxable and needs to be reported in your ITR.<\/p>\n\n\n\n<h6 class=\"wp-block-heading\"><strong>4. What threshold triggers sft 05 income tax reporting?<\/strong>&nbsp;<\/h6>\n\n\n\n<p>Generally, deposits over \u20b910 lakh in a single transaction, or multiple deposits adding up to \u20b910 lakh or more in a financial year, trigger the report.<\/p>\n\n\n\n<h6 class=\"wp-block-heading\"><strong>5. Will I get penalized just for appearing in an SFT-005 report?<\/strong>&nbsp;<\/h6>\n\n\n\n<p>Not automatically. If your income and tax filings match what the bank has reported, there&#8217;s nothing to worry about; this is a verification step, not an accusation.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>You just got a letter from the tax department about your Purchase of Time Deposits (SFT-005). Your heart skips a beat. What&#8217;s going on? Did you do something wrong? Don&#8217;t panic! This happens to thousands of people every year. Banks are required by law to report certain financial transactions to the Income Tax Authority. Your [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":7226,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"footnotes":""},"categories":[1948],"tags":[],"class_list":["post-6459","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-income-tax"],"blocksy_meta":[],"blog_post_layout_featured_media_urls":{"thumbnail":["https:\/\/margbooks.com\/blogs\/wp-content\/uploads\/2025\/07\/SFT-005-Time-Deposit-01-150x150.jpg",150,150,true],"full":["https:\/\/margbooks.com\/blogs\/wp-content\/uploads\/2025\/07\/SFT-005-Time-Deposit-01.jpg",1200,576,false]},"categories_names":{"1948":{"name":"Income Tax","link":"https:\/\/margbooks.com\/blogs\/category\/income-tax\/"}},"tags_names":[],"comments_number":"0","wpmagazine_modules_lite_featured_media_urls":{"thumbnail":["https:\/\/margbooks.com\/blogs\/wp-content\/uploads\/2025\/07\/SFT-005-Time-Deposit-01-150x150.jpg",150,150,true],"cvmm-medium":["https:\/\/margbooks.com\/blogs\/wp-content\/uploads\/2025\/07\/SFT-005-Time-Deposit-01.jpg",300,144,false],"cvmm-medium-plus":["https:\/\/margbooks.com\/blogs\/wp-content\/uploads\/2025\/07\/SFT-005-Time-Deposit-01.jpg",305,146,false],"cvmm-portrait":["https:\/\/margbooks.com\/blogs\/wp-content\/uploads\/2025\/07\/SFT-005-Time-Deposit-01.jpg",400,192,false],"cvmm-medium-square":["https:\/\/margbooks.com\/blogs\/wp-content\/uploads\/2025\/07\/SFT-005-Time-Deposit-01.jpg",600,288,false],"cvmm-large":["https:\/\/margbooks.com\/blogs\/wp-content\/uploads\/2025\/07\/SFT-005-Time-Deposit-01.jpg",1024,492,false],"cvmm-small":["https:\/\/margbooks.com\/blogs\/wp-content\/uploads\/2025\/07\/SFT-005-Time-Deposit-01.jpg",130,62,false],"full":["https:\/\/margbooks.com\/blogs\/wp-content\/uploads\/2025\/07\/SFT-005-Time-Deposit-01.jpg",1200,576,false]},"_links":{"self":[{"href":"https:\/\/margbooks.com\/blogs\/wp-json\/wp\/v2\/posts\/6459","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/margbooks.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/margbooks.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/margbooks.com\/blogs\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/margbooks.com\/blogs\/wp-json\/wp\/v2\/comments?post=6459"}],"version-history":[{"count":3,"href":"https:\/\/margbooks.com\/blogs\/wp-json\/wp\/v2\/posts\/6459\/revisions"}],"predecessor-version":[{"id":10469,"href":"https:\/\/margbooks.com\/blogs\/wp-json\/wp\/v2\/posts\/6459\/revisions\/10469"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/margbooks.com\/blogs\/wp-json\/wp\/v2\/media\/7226"}],"wp:attachment":[{"href":"https:\/\/margbooks.com\/blogs\/wp-json\/wp\/v2\/media?parent=6459"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/margbooks.com\/blogs\/wp-json\/wp\/v2\/categories?post=6459"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/margbooks.com\/blogs\/wp-json\/wp\/v2\/tags?post=6459"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}