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  <!-- ══ Core Pages ══════════════════════════════════════════════════════════ -->

  <url>
    <loc>https://bankingknowledge.ai/</loc>
    <lastmod><?= date('Y-m-d') ?></lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
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      <image:title>BankingKnowledge.ai — Complete Banking Guide India</image:title>
    </image:image>
  </url>

  <url>
    <loc>https://bankingknowledge.ai/retail-banking</loc>
    <lastmod><?= date('Y-m-d') ?></lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
    <image:image>
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      <image:title>Retail Banking Guide India</image:title>
    </image:image>
  </url>

  <url>
    <loc>https://bankingknowledge.ai/corporate-banking</loc>
    <lastmod><?= date('Y-m-d') ?></lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
    <image:image>
      <image:loc>https://bankingknowledge.ai/assets/svg/og-banner.svg</image:loc>
      <image:title>Corporate Banking Guide India</image:title>
    </image:image>
  </url>

  <url>
    <loc>https://bankingknowledge.ai/private-banking</loc>
    <lastmod><?= date('Y-m-d') ?></lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
    <image:image>
      <image:loc>https://bankingknowledge.ai/assets/svg/og-banner.svg</image:loc>
      <image:title>Private Banking & Wealth Management Guide India</image:title>
    </image:image>
  </url>

  <url>
    <loc>https://bankingknowledge.ai/credit-cards</loc>
    <lastmod><?= date('Y-m-d') ?></lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
    <image:image>
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      <image:title>Credit Cards Guide India</image:title>
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  </url>

  <url>
    <loc>https://bankingknowledge.ai/loans</loc>
    <lastmod><?= date('Y-m-d') ?></lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
    <image:image>
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      <image:title>Loans Guide India — Home Loan, Personal Loan, Education Loan</image:title>
    </image:image>
  </url>

  <url>
    <loc>https://bankingknowledge.ai/faq</loc>
    <lastmod><?= date('Y-m-d') ?></lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.85</priority>
    <image:image>
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      <image:title>Banking FAQ India</image:title>
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  </url>

  <url>
    <loc>https://bankingknowledge.ai/about</loc>
    <lastmod><?= date('Y-m-d') ?></lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- ══ Auth Pages (lower priority, noindex recommended but listed for completeness) ══ -->

  <url>
    <loc>https://bankingknowledge.ai/login</loc>
    <lastmod><?= date('Y-m-d') ?></lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

  <url>
    <loc>https://bankingknowledge.ai/register</loc>
    <lastmod><?= date('Y-m-d') ?></lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
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