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  <!-- Core pages -->
  <url>
    <loc>https://arthashastri.co.in/</loc>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
    <xhtml:link rel="alternate" hreflang="en-IN" href="https://arthashastri.co.in/"/>
  </url>
  <url>
    <loc>https://arthashastri.co.in/investments</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://arthashastri.co.in/tax</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://arthashastri.co.in/planning</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Programmatic SEO — Loan calculators by bank -->
  <url>
    <loc>https://arthashastri.co.in/home-loan-emi-calculator/sbi</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://arthashastri.co.in/home-loan-emi-calculator/hdfc</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://arthashastri.co.in/home-loan-emi-calculator/icici</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Programmatic SEO — SIP calculators -->
  <url>
    <loc>https://arthashastri.co.in/sip-calculator/5000-per-month</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://arthashastri.co.in/sip-calculator/10000-per-month</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://arthashastri.co.in/sip-calculator/reach-1-crore</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Programmatic SEO — EMI by amount -->
  <url>
    <loc>https://arthashastri.co.in/home-loan-emi/30-lakh-20-years</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://arthashastri.co.in/home-loan-emi/40-lakh-20-years</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://arthashastri.co.in/home-loan-emi/50-lakh-20-years</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Programmatic SEO — Loan type calculators -->
  <url>
    <loc>https://arthashastri.co.in/personal-loan-emi-calculator</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://arthashastri.co.in/car-loan-emi-calculator</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://arthashastri.co.in/education-loan-emi-calculator</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Tax + Investment tools -->
  <url>
    <loc>https://arthashastri.co.in/income-tax-calculator/2026-27</loc>
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://arthashastri.co.in/swp-calculator/50-lakh-corpus</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

</urlset>
