<?xml version="1.0" encoding="UTF-8"?>
<!--
  sitemap.xml for ratecut.in
  ─────────────────────────────────────────────────────────────────────────────
  INSTRUCTIONS:
  1. Place this file at: /public/sitemap.xml
  2. Submit to Google Search Console at: https://search.google.com/search-console
  3. Update <lastmod> dates whenever pages are significantly changed.
  4. Add new <url> entries as new pages (e.g. /personal-loan, /emi-calculator,
     /blog posts) are published.
  ─────────────────────────────────────────────────────────────────────────────
-->
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
        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">

  <!-- ── Core pages ──────────────────────────────────────────────────────── -->
  <url>
    <loc>https://ratecut.in/</loc>
    <lastmod>2026-04-13</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>

  <url>
    <loc>https://ratecut.in/privacypolicy</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

  <url>
    <loc>https://ratecut.in/tnc</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

  <!-- ── Recommended new pages (create these to target high-volume keywords) -->
  <!--
  <url>
    <loc>https://ratecut.in/personal-loan</loc>
    <lastmod>2026-04-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://ratecut.in/emi-calculator</loc>
    <lastmod>2026-04-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://ratecut.in/loan-comparison</loc>
    <lastmod>2026-04-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://ratecut.in/business-loan</loc>
    <lastmod>2026-04-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://ratecut.in/balance-transfer</loc>
    <lastmod>2026-04-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://ratecut.in/blog</loc>
    <lastmod>2026-04-13</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.8</priority>
  </url>
  -->

</urlset>