<?xml version="1.0" encoding="UTF-8"?>
<urlset
    xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
    xmlns:image="http://www.google.com/schemas/sitemap-image/1.1"
    xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
    xsi:schemaLocation="http://www.sitemaps.org/schemas/sitemap/0.9
    http://www.sitemaps.org/schemas/sitemap/0.9/sitemap.xsd">

    <!-- Homepage -->
    <url>
        <loc>https://kharchabill.in/</loc>
        <lastmod>2024-09-06</lastmod>
        <changefreq>daily</changefreq>
        <priority>1.00</priority>
        <image:image>
            <image:loc>https://kharchabill.in/images/Kharcha%20Bill%20Your%20Ultimate%20Expense%20Tracking%20Companion.png</image:loc>
            <image:title>Kharcha Bill - Your Personal Expense Tracker</image:title>
            <image:caption>Kharcha Bill</image:caption>
        </image:image>
    </url>

    <!-- Static pages -->
    <url><loc>https://kharchabill.in/index.php</loc><lastmod>2024-09-06</lastmod><changefreq>weekly</changefreq><priority>0.80</priority></url>
    <url><loc>https://kharchabill.in/pages/signup.php</loc><lastmod>2024-09-06</lastmod><changefreq>monthly</changefreq><priority>0.70</priority></url>
    <url><loc>https://kharchabill.in/pages/login.php</loc><lastmod>2024-09-06</lastmod><changefreq>monthly</changefreq><priority>0.70</priority></url>
    <url><loc>https://kharchabill.in/pages/navigate_to_readsms.php</loc><lastmod>2024-09-06</lastmod><changefreq>monthly</changefreq><priority>0.60</priority></url>
    <url><loc>https://kharchabill.in/pages/how-it-works.php</loc><lastmod>2024-09-06</lastmod><changefreq>monthly</changefreq><priority>0.70</priority></url>
    <url><loc>https://kharchabill.in/pages/contact-us.php</loc><lastmod>2024-09-06</lastmod><changefreq>yearly</changefreq><priority>0.50</priority></url>
    <url><loc>https://kharchabill.in/pages/privacy-policy.php</loc><lastmod>2024-09-06</lastmod><changefreq>yearly</changefreq><priority>0.40</priority></url>
    <url><loc>https://kharchabill.in/pages/faq.php</loc><lastmod>2024-09-06</lastmod><changefreq>yearly</changefreq><priority>0.50</priority></url>

    <!-- Loan Guide Pages -->
    <url><loc>https://kharchabill.in/pages/personal-loan.php</loc><lastmod>2024-09-06</lastmod><changefreq>monthly</changefreq><priority>0.80</priority></url>
    <url><loc>https://kharchabill.in/pages/home-loan.php</loc><lastmod>2024-09-06</lastmod><changefreq>monthly</changefreq><priority>0.80</priority></url>
    <url><loc>https://kharchabill.in/pages/car-loan.php</loc><lastmod>2024-09-06</lastmod><changefreq>monthly</changefreq><priority>0.80</priority></url>
    <url><loc>https://kharchabill.in/pages/education-loan.php</loc><lastmod>2024-09-06</lastmod><changefreq>monthly</changefreq><priority>0.80</priority></url>

    <!-- Loan Stories listing -->
    <url><loc>https://kharchabill.in/pages/loan-stories.php</loc><lastmod>2024-09-06</lastmod><changefreq>daily</changefreq><priority>0.90</priority></url>

    <!-- Example individual loan stories (dynamic, ideally auto-generated) -->
    <url><loc>https://kharchabill.in/pages/story.php?id=1</loc><lastmod>2024-09-01</lastmod><changefreq>monthly</changefreq><priority>0.70</priority></url>
    <url><loc>https://kharchabill.in/pages/story.php?id=2</loc><lastmod>2024-09-02</lastmod><changefreq>monthly</changefreq><priority>0.70</priority></url>
    <url><loc>https://kharchabill.in/pages/story.php?id=3</loc><lastmod>2024-09-03</lastmod><changefreq>monthly</changefreq><priority>0.70</priority></url>

</urlset>
