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  <!-- Homepage (Highest Priority) -->
  <url>
    <loc>https://www.nidhicap.com/</loc>
    <lastmod>2025-01-27</lastmod> <!-- ACTION: Update this date to the last major content update -->
    <changefreq>monthly</changefreq> <!-- How often the main content might change (e.g., insights) -->
    <priority>1.0</priority>
  </url>

  <!-- Core About/Information Pages -->
 
  <url>
    <loc>https://www.nidhicap.com/calculators.php</loc>
    <lastmod>2025-01-27</lastmod> <!-- ACTION: Update date if changed -->
    <changefreq>yearly</changefreq>
    <priority>0.9</priority>
  </url>
    <url>
    <loc>https://www.nidhicap.com/tax-saving-elss.php</loc>
    <lastmod>2025-01-27</lastmod> <!-- ACTION: Update date if changed -->
    <changefreq>yearly</changefreq>
    <priority>0.7</priority>
  </url>
    <url>
    <loc>https://www.nidhicap.com/SWP.php</loc>
    <lastmod>2025-01-27</lastmod> <!-- ACTION: Update date if changed -->
    <changefreq>yearly</changefreq>
    <priority>0.9</priority>
  </url>
   <url>
    <loc>https://www.nidhicap.com/SIP.php</loc>
    <lastmod>2025-01-27</lastmod> <!-- ACTION: Update date if changed -->
    <changefreq>yearly</changefreq>
    <priority>0.9</priority>
  </url>
    <url>
    <loc>https://www.nidhicap.com/RetirementPlan.php</loc>
    <lastmod>2025-01-27</lastmod> <!-- ACTION: Update date if changed -->
    <changefreq>yearly</changefreq>
    <priority>0.9</priority>
  </url>
    <url>
    <loc>https://www.nidhicap.com/STP.php</loc>
    <lastmod>2025-01-27</lastmod> <!-- ACTION: Update date if changed -->
    <changefreq>yearly</changefreq>
    <priority>0.9</priority>
  </url>
   <url>
    <loc>https://www.nidhicap.com/become-our-partner.php</loc>
    <lastmod>2025-01-27</lastmod> <!-- ACTION: Update date if changed -->
    <changefreq>yearly</changefreq>
    <priority>0.9</priority>
  </url>
  
     <url>
    <loc>https://www.nidhicap.com/our-philosophy.php</loc>
    <lastmod>2025-01-27</lastmod> <!-- ACTION: Update date if changed -->
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.nidhicap.com/team.php</loc>
    <lastmod>2025-01-27</lastmod> <!-- ACTION: Update date if changed -->
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.nidhicap.com/mutual_funds.php</loc>
    <lastmod>2025-01-27</lastmod> <!-- ACTION: Update date if changed -->
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>
   <url>
    <loc>https://www.nidhicap.com/ForeignMF.php</loc>
    <lastmod>2025-01-27</lastmod> <!-- ACTION: Update date if changed -->
    <changefreq>yearly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://www.nidhicap.com/careers.php</loc>
    <lastmod>2025-01-27</lastmod> <!-- ACTION: Update date if changed -->
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
   <url>
    <loc>https://www.nidhicap.com/become-our-partner.php</loc>
    <lastmod>2025-01-27</lastmod> <!-- ACTION: Update date if changed -->
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Investment Solution Detail Pages (Assuming they exist) -->
  <url>
    <loc>https://www.nidhicap.com/tax-saving-elss.php</loc>
     <lastmod>2025-01-27</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.7</priority>
  </url>
  <!-- Add other specific solution pages if they exist -->

   <!-- Client Resources -->
   <url>
    <loc>https://www.nidhicap.com/allarticles.php</loc> <!-- Assuming this is the insights archive -->
    <lastmod>2025-01-27</lastmod> <!-- Update when new articles are added -->
    <changefreq>weekly</changefreq> <!-- If articles added frequently -->
    <priority>0.9</priority>
  </url>
  <!-- Calculators are part of the homepage in the provided structure -->
   <url>
    <loc>https://www.nidhicap.com/faq.php</loc>
    <lastmod>2025-01-27</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
  </url>
   <url>
    <loc>https://www.nidhicap.com/DebtMF.php</loc>
    <lastmod>2025-01-27</lastmod> <!-- ACTION: Update date if changed -->
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
  </url>
   <url>
    <loc>https://www.nidhicap.com/glossary.php</loc>
    <lastmod>2025-01-27</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- Legal Pages -->
  <url>
    <loc>https://www.nidhicap.com/privacy-policy.php</loc>
    <lastmod>2025-01-27</lastmod> <!-- Update when policy changes -->
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
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