What is the reason for the reducing property of formic acid ? Give example of its reducing property.

Explanation

The group present in formic acid molecule is directly to a H-atom and a hydroxyl group, i.e., formic acid contains both an aldehyde (-CHO) and a carboxyl (-COOH) group. So, it displays the properties of both aldehydes and the carboxylic acids. For this reason, formic acid acts as a reducing agent. Formic acid reduces Tollen's reagent and forms Ag precipitate.
`H-overset(O)overset(||)C-OH +2[Ag(NH_(3))_(2)]OH to 2Agdarr+(NH_(4))_(2)CO_(3) +2NH_(3) +H_(2)O`