<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <!-- Main Base Pages -->
  <url>
    <loc>https://thefinancialdoctor.in/</loc>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>
  <url>
    <loc>https://thefinancialdoctor.in/about</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://thefinancialdoctor.in/contact</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://thefinancialdoctor.in/services</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://thefinancialdoctor.in/reviews</loc>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://thefinancialdoctor.in/career</loc>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://thefinancialdoctor.in/partner-with-us</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- Top Funds Page -->
  <url>
    <loc>https://thefinancialdoctor.in/top-funds</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Insurance Pages -->
  <url>
    <loc>https://thefinancialdoctor.in/term-insurance</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://thefinancialdoctor.in/health-insurance</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://thefinancialdoctor.in/motor-insurance</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Main Calculators Page -->
  <url>
    <loc>https://thefinancialdoctor.in/calculators</loc>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- All Calculator Dynamic Pages (must match Calculators.jsx's actual tab ids) -->
  <url>
    <loc>https://thefinancialdoctor.in/calculators/sip</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://thefinancialdoctor.in/calculators/daily</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://thefinancialdoctor.in/calculators/lumpsum</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://thefinancialdoctor.in/calculators/swp</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://thefinancialdoctor.in/calculators/goal</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://thefinancialdoctor.in/calculators/emi</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://thefinancialdoctor.in/calculators/tax</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://thefinancialdoctor.in/calculators/gst</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://thefinancialdoctor.in/calculators/inflation</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- 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>
</urlset>
