<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <!-- Main Website — SIP Calculator, Wealth Planner, Financial Advisory -->
  <url>
    <loc>https://equishastra.com/</loc>
    <lastmod>2026-05-14</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- SIP Calculator Landing Page -->
  <url>
    <loc>https://equishastra.com/sip-calculator</loc>
    <lastmod>2026-05-14</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Mutual Fund Advisor — Local SEO Page -->
  <url>
    <loc>https://equishastra.com/mutual-fund-advisor-kalyan-mumbai</loc>
    <lastmod>2026-05-14</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- How to Invest in Mutual Funds — Educational Guide -->
  <url>
    <loc>https://equishastra.com/how-to-invest-in-mutual-funds</loc>
    <lastmod>2026-05-14</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Retirement Planning Calculator -->
  <url>
    <loc>https://equishastra.com/retirement-planning-calculator</loc>
    <lastmod>2026-05-14</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Privacy Policy -->
  <url>
    <loc>https://equishastra.com/privacy.html</loc>
    <lastmod>2026-05-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.3</priority>
  </url>

  <!-- Terms of Service -->
  <url>
    <loc>https://equishastra.com/terms.html</loc>
    <lastmod>2026-05-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.3</priority>
  </url>
</urlset>
