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  <url>
    <loc>https://smartdaddy.in/</loc>
    <lastmod>2026-06-05</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>

  <url>
    <loc>https://smartdaddy.in/calculators</loc>
    <lastmod>2026-06-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://smartdaddy.in/sip-calculator</loc>
    <lastmod>2026-06-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://smartdaddy.in/step-up-sip-calculator</loc>
    <lastmod>2026-06-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://smartdaddy.in/goal-sip-calculator</loc>
    <lastmod>2026-06-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://smartdaddy.in/lump-sum-vs-sip</loc>
    <lastmod>2026-06-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://smartdaddy.in/cagr-calculator</loc>
    <lastmod>2026-06-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://smartdaddy.in/xirr-calculator</loc>
    <lastmod>2026-06-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://smartdaddy.in/inflation-calculator</loc>
    <lastmod>2026-06-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://smartdaddy.in/sip-pause-calculator</loc>
    <lastmod>2026-06-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://smartdaddy.in/funds</loc>
    <lastmod>2026-06-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://smartdaddy.in/funds/search</loc>
    <lastmod>2026-06-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://smartdaddy.in/funds/top-performers</loc>
    <lastmod>2026-06-05</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://smartdaddy.in/funds/compare</loc>
    <lastmod>2026-06-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Phase 8 - NRI Corner hub + tools (task list items 5-10, all live).
       Never added to the sitemap when each tool shipped; added now
       together with the Task 11 content batch. -->
  <url>
    <loc>https://smartdaddy.in/nri</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://smartdaddy.in/nri/residential-status</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://smartdaddy.in/nri/fd-calculator</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://smartdaddy.in/nri/mf-tds-calculator</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://smartdaddy.in/nri/amc-checker</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://smartdaddy.in/nri/account-picker</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://smartdaddy.in/nri/dtaa-calculator</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://smartdaddy.in/nri/property-tds-calculator</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://smartdaddy.in/learn</loc>
    <lastmod>2026-06-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://smartdaddy.in/glossary</loc>
    <lastmod>2026-06-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://smartdaddy.in/faq</loc>
    <lastmod>2026-06-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://smartdaddy.in/learn/what-is-sip</loc>
    <lastmod>2026-06-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://smartdaddy.in/learn/how-to-start-sip</loc>
    <lastmod>2026-06-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://smartdaddy.in/learn/sip-for-tax-saving</loc>
    <lastmod>2026-06-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://smartdaddy.in/learn/how-much-sip-should-i-do</loc>
    <lastmod>2026-06-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://smartdaddy.in/learn/what-is-nav</loc>
    <lastmod>2026-06-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://smartdaddy.in/learn/sip-vs-lump-sum</loc>
    <lastmod>2026-06-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://smartdaddy.in/learn/sip-vs-ppf</loc>
    <lastmod>2026-06-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://smartdaddy.in/learn/sip-vs-fd</loc>
    <lastmod>2026-06-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://smartdaddy.in/learn/direct-vs-regular</loc>
    <lastmod>2026-06-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Phase 8 - NRI Corner content batch (Task 11): 8 guides, 2 comparisons,
       6 country quick-start guides, all registered under /learn/:slug. -->
  <url>
    <loc>https://smartdaddy.in/learn/nre-vs-nro-vs-fcnr</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://smartdaddy.in/learn/resident-nri-rnor-tax-residency</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://smartdaddy.in/learn/nri-changes-april-2026</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://smartdaddy.in/learn/dtaa-explained-nri</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://smartdaddy.in/learn/us-canada-nri-mutual-funds</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://smartdaddy.in/learn/selling-property-nri-tds</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://smartdaddy.in/learn/ppf-nps-pms-for-nris</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://smartdaddy.in/learn/fema-repatriation-rules</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://smartdaddy.in/learn/nre-fd-vs-nro-fd</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://smartdaddy.in/learn/nri-vs-resident-mutual-fund-taxation</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://smartdaddy.in/learn/investing-from-usa</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://smartdaddy.in/learn/investing-from-uk</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://smartdaddy.in/learn/investing-from-uae</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://smartdaddy.in/learn/investing-from-canada</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://smartdaddy.in/learn/investing-from-australia</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://smartdaddy.in/learn/investing-from-singapore</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Phase 7 - US Market hub + sub-pages
       changefreq=daily: live price data updates throughout the trading day.
       /us-market hub is weekly because its content (card links) rarely changes. -->
  <url>
    <loc>https://smartdaddy.in/us-market</loc>
    <lastmod>2026-06-14</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://smartdaddy.in/us-market/stocks</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://smartdaddy.in/us-market/indices</loc>
    <lastmod>2026-06-14</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.7</priority>

  </url>
  <url>
    <loc>https://smartdaddy.in/us-market/currency</loc>
    <lastmod>2026-06-14</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://smartdaddy.in/us-market/indian-funds</loc>
    <lastmod>2026-06-14</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.7</priority>
  </url>
  <!-- /us-market/comparison — US vs Nifty 50 Comparison chart (task 7.7).
       Shows normalised S&P 500 vs Nifty 50 performance; changefreq daily
       because the underlying market data updates daily. Priority 0.7 matches
       the other US Market live-data sub-pages. -->
  <url>
    <loc>https://smartdaddy.in/us-market/comparison</loc>
    <lastmod>2026-06-25</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.7</priority>
  </url>
  <!-- /us-market/etfs — US ETF Explorer (task 7.10).
       Shows live prices, expense ratios, AUM, and 1-year returns for 10 major
       US ETFs (SPY, QQQ, VTI, etc.). Prices refresh every 60 seconds from the
       Yahoo Finance proxy. changefreq=daily; priority=0.8 matches /stocks
       because ETF pages are high-value entry points for Indian investors. -->
  <url>
    <loc>https://smartdaddy.in/us-market/etfs</loc>
    <lastmod>2026-06-29</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- /insights — Market Insights hub (daily original articles, see
       scripts/generateArticles.mjs). changefreq=daily because new articles
       are published every day; priority 0.8 matches other daily-updated
       content hubs like /us-market/stocks. -->
  <url>
    <loc>https://smartdaddy.in/insights</loc>
    <lastmod>2026-07-29</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://smartdaddy.in/about</loc>
    <lastmod>2026-06-05</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://smartdaddy.in/contact</loc>
    <lastmod>2026-06-05</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://smartdaddy.in/privacy-policy</loc>
    <lastmod>2026-06-05</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

</urlset>
