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    <loc>https://thefinancialdoctor.in/</loc>
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    <loc>https://thefinancialdoctor.in/about</loc>
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  <url>
    <loc>https://thefinancialdoctor.in/contact</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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  <url>
    <loc>https://thefinancialdoctor.in/learn</loc>
    <changefreq>monthly</changefreq>
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  <url>
    <loc>https://thefinancialdoctor.in/services</loc>
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  <url>
    <loc>https://thefinancialdoctor.in/reviews</loc>
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  <url>
    <loc>https://thefinancialdoctor.in/career</loc>
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  <url>
    <loc>https://thefinancialdoctor.in/partner-with-us</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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  <!-- Top Funds Page -->
  <url>
    <loc>https://thefinancialdoctor.in/top-funds</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
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  <!-- Insurance Pages -->
  <url>
    <loc>https://thefinancialdoctor.in/term-insurance</loc>
    <changefreq>monthly</changefreq>
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  <url>
    <loc>https://thefinancialdoctor.in/health-insurance</loc>
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  <url>
    <loc>https://thefinancialdoctor.in/motor-insurance</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
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  <!-- Main Calculators Page -->
  <url>
    <loc>https://thefinancialdoctor.in/calculators</loc>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
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  <!-- All Calculator Dynamic Pages (must match Calculators.jsx's actual tab ids) -->
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    <loc>https://thefinancialdoctor.in/calculators/sip</loc>
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  <url>
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  <url>
    <loc>https://thefinancialdoctor.in/calculators/lumpsum</loc>
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  <url>
    <loc>https://thefinancialdoctor.in/calculators/swp</loc>
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  <url>
    <loc>https://thefinancialdoctor.in/calculators/goal</loc>
    <changefreq>monthly</changefreq>
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  <url>
    <loc>https://thefinancialdoctor.in/calculators/emi</loc>
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  <url>
    <loc>https://thefinancialdoctor.in/calculators/tax</loc>
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  <url>
    <loc>https://thefinancialdoctor.in/calculators/gst</loc>
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  <url>
    <loc>https://thefinancialdoctor.in/calculators/inflation</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <!-- Internship Program -->
  <url>
    <loc>https://thefinancialdoctor.in/internship</loc>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Research & Learning Hub -->
  <url>
    <loc>https://thefinancialdoctor.in/research-learning-hub</loc>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Certificate / ID Verification -->
  <url>
    <loc>https://thefinancialdoctor.in/verify</loc>
    <changefreq>monthly</changefreq>
    <priority>0.4</priority>
  </url>

  <!-- Blog & FAQ -->
  <url>
    <loc>https://thefinancialdoctor.in/blog</loc>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://thefinancialdoctor.in/faq</loc>
    <changefreq>weekly</changefreq>
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  <!-- Local SEO — city/state landing pages -->
  <url><loc>https://thefinancialdoctor.in/mutual-fund-distributor-in-sehore</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://thefinancialdoctor.in/mutual-fund-distributor-in-bhopal</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://thefinancialdoctor.in/mutual-fund-distributor-in-indore</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://thefinancialdoctor.in/mutual-fund-distributor-in-mumbai</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://thefinancialdoctor.in/mutual-fund-distributor-in-delhi</loc><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://thefinancialdoctor.in/mutual-fund-distributor-in-madhya-pradesh</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://thefinancialdoctor.in/mutual-fund-distributor-in-chhattisgarh</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://thefinancialdoctor.in/mutual-fund-distributor-in-maharashtra</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://thefinancialdoctor.in/mutual-fund-distributor-in-gujarat</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://thefinancialdoctor.in/mutual-fund-distributor-in-uttar-pradesh</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://thefinancialdoctor.in/mutual-fund-distributor-in-bihar</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://thefinancialdoctor.in/mutual-fund-distributor-in-gwalior</loc><changefreq>monthly</changefreq><priority>0.75</priority></url>
  <url><loc>https://thefinancialdoctor.in/mutual-fund-distributor-in-jabalpur</loc><changefreq>monthly</changefreq><priority>0.75</priority></url>
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  <url><loc>https://thefinancialdoctor.in/mutual-fund-distributor-in-nagpur</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>
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  <url><loc>https://thefinancialdoctor.in/mutual-fund-distributor-in-noida</loc><changefreq>monthly</changefreq><priority>0.75</priority></url>
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  <url><loc>https://thefinancialdoctor.in/mutual-fund-distributor-in-chennai</loc><changefreq>monthly</changefreq><priority>0.75</priority></url>
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  <url><loc>https://thefinancialdoctor.in/mutual-fund-distributor-in-ludhiana</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>
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