<?xml version="1.0" encoding="UTF-8"?>
<!--
  Finbaa app sitemap.
  Only publicly reachable routes are listed. Routes behind authGuard
  (/profile, /offers, /support, /service/:id, /service-new/:id) are omitted
  because Googlebot cannot sign in, and login routes (/auth, /login-otp,
  /register/finbaa) are intentionally left out as low-value for search.
  Keep this in sync with src/app/app.routes.ts.
-->
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">

  <!-- Home -->
  <url>
    <loc>https://finbaa.com/</loc>
    <lastmod>2026-08-12</lastmod>
    <changefreq>daily</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- Loan tools (chat-style calculators) -->
  <url>
    <loc>https://finbaa.com/tools/emi-calculator</loc>
    <lastmod>2026-08-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://finbaa.com/tools/eligibility</loc>
    <lastmod>2026-08-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://finbaa.com/tools/loan-transfer</loc>
    <lastmod>2026-08-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://finbaa.com/tools/tenure-calculator</loc>
    <lastmod>2026-08-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://finbaa.com/tool/loan-to-value</loc>
    <lastmod>2026-08-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Standalone calculators -->
  <url>
    <loc>https://finbaa.com/calculator/income-tax-calculator</loc>
    <lastmod>2026-08-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://finbaa.com/calculator/sip-calculator</loc>
    <lastmod>2026-08-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://finbaa.com/calculator/loan-term-calculator</loc>
    <lastmod>2026-08-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://finbaa.com/calculator/home-loan-eligibility</loc>
    <lastmod>2026-08-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://finbaa.com/calculator/self-employed-eligibility</loc>
    <lastmod>2026-08-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://finbaa.com/calculator/lap-salaried</loc>
    <lastmod>2026-08-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Health checkups -->
  <url>
    <loc>https://finbaa.com/health/financial</loc>
    <lastmod>2026-08-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://finbaa.com/health/home-loan</loc>
    <lastmod>2026-08-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Advisory profiles -->
  <url>
    <loc>https://finbaa.com/profiles</loc>
    <lastmod>2026-08-12</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Refer & earn -->
  <url>
    <loc>https://finbaa.com/refer</loc>
    <lastmod>2026-08-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Static pages (admin-managed, /admin/pages) -->
  <url>
    <loc>https://finbaa.com/page/privacy-policy</loc>
    <lastmod>2026-08-12</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://finbaa.com/page/terms-of-use</loc>
    <lastmod>2026-08-12</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://finbaa.com/page/support</loc>
    <lastmod>2026-08-12</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

</urlset>
