<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <!-- 
  IMPORTANT: This sitemap is configured for production deployment.
  
  FOR LOCALHOST:
  - Replace [PRODUCTION_DOMAIN] with: http://localhost/grv_microfinance
  
  FOR PRODUCTION:
  - Replace [PRODUCTION_DOMAIN] with your actual domain
  - Example: https://www.grvmicrofinance.com
  
  IMPORTANT: Make this replacement before deploying to production.
  -->
  
  <url>
    <loc>https://www.grvmicrofinance.com/</loc>
    <priority>1.0</priority>
    <changefreq>daily</changefreq>
  </url>
  <url>
    <loc>https://www.grvmicrofinance.com/apply.php</loc>
    <priority>0.9</priority>
    <changefreq>weekly</changefreq>
  </url>
  
  <!-- Loan Products -->
  <url>
    <loc>https://www.grvmicrofinance.com/pages/vehicle-finance.php</loc>
    <priority>0.8</priority>
    <changefreq>monthly</changefreq>
  </url>
  <url>
    <loc>https://www.grvmicrofinance.com/pages/loan-against-property.php</loc>
    <priority>0.8</priority>
    <changefreq>monthly</changefreq>
  </url>
  <url>
    <loc>https://www.grvmicrofinance.com/pages/home-loan.php</loc>
    <priority>0.8</priority>
    <changefreq>monthly</changefreq>
  </url>
  <url>
    <loc>https://www.grvmicrofinance.com/pages/business-loan.php</loc>
    <priority>0.8</priority>
    <changefreq>monthly</changefreq>
  </url>
  <url>
    <loc>https://www.grvmicrofinance.com/pages/personal-loan.php</loc>
    <priority>0.8</priority>
    <changefreq>monthly</changefreq>
  </url>
  
  <!-- Deposits -->
  <url>
    <loc>https://www.grvmicrofinance.com/pages/fixed-deposit.php</loc>
    <priority>0.8</priority>
    <changefreq>monthly</changefreq>
  </url>
  <url>
    <loc>https://www.grvmicrofinance.com/pages/recurring-deposit.php</loc>
    <priority>0.8</priority>
    <changefreq>monthly</changefreq>
  </url>
  
  <!-- Services -->
  <url>
    <loc>https://www.grvmicrofinance.com/pages/insurance-services.php</loc>
    <priority>0.8</priority>
    <changefreq>monthly</changefreq>
  </url>
  <url>
    <loc>https://www.grvmicrofinance.com/pages/eligibility-checker.php</loc>
    <priority>0.8</priority>
    <changefreq>weekly</changefreq>
  </url>
  <url>
    <loc>https://www.grvmicrofinance.com/pages/emi-schedule.php</loc>
    <priority>0.8</priority>
    <changefreq>weekly</changefreq>
  </url>
  
  <!-- Company -->
  <url>
    <loc>https://www.grvmicrofinance.com/pages/about.php</loc>
    <priority>0.7</priority>
    <changefreq>monthly</changefreq>
  </url>
  <url>
    <loc>https://www.grvmicrofinance.com/pages/branches.php</loc>
    <priority>0.7</priority>
    <changefreq>monthly</changefreq>
  </url>
  <url>
    <loc>https://www.grvmicrofinance.com/pages/careers.php</loc>
    <priority>0.7</priority>
    <changefreq>weekly</changefreq>
  </url>
  <url>
    <loc>https://www.grvmicrofinance.com/pages/dsa.php</loc>
    <priority>0.7</priority>
    <changefreq>monthly</changefreq>
  </url>
  <url>
    <loc>https://www.grvmicrofinance.com/pages/testimonials.php</loc>
    <priority>0.7</priority>
    <changefreq>monthly</changefreq>
  </url>
  <url>
    <loc>https://www.grvmicrofinance.com/pages/gallery.php</loc>
    <priority>0.7</priority>
    <changefreq>monthly</changefreq>
  </url>
  
  <!-- Content -->
  <url>
    <loc>https://www.grvmicrofinance.com/pages/blog.php</loc>
    <priority>0.7</priority>
    <changefreq>weekly</changefreq>
  </url>
  <url>
    <loc>https://www.grvmicrofinance.com/pages/contact.php</loc>
    <priority>0.7</priority>
    <changefreq>monthly</changefreq>
  </url>
  
  <!-- Legal -->
  <url>
    <loc>https://www.grvmicrofinance.com/pages/privacy-policy.php</loc>
    <priority>0.5</priority>
    <changefreq>yearly</changefreq>
  </url>
  <url>
    <loc>https://www.grvmicrofinance.com/pages/terms-conditions.php</loc>
    <priority>0.5</priority>
    <changefreq>yearly</changefreq>
  </url>
  <url>
    <loc>https://www.grvmicrofinance.com/pages/disclaimer.php</loc>
    <priority>0.5</priority>
    <changefreq>yearly</changefreq>
  </url>
  <url>
    <loc>https://www.grvmicrofinance.com/pages/refund-policy.php</loc>
    <priority>0.5</priority>
    <changefreq>yearly</changefreq>
  </url>
</urlset>
