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  <!-- ═══ HOME ═══ -->
  <url>
    <loc>https://creditdost.in/</loc>
    <lastmod>2026-05-15</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
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  <!-- ═══ BLOG INDEX ═══ -->
  <url>
    <loc>https://creditdost.in/blog/</loc>
    <lastmod>2026-05-15</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- ═══ BLOG POSTS ═══ -->
  <url>
    <loc>https://creditdost.in/blog/gold-loan-vs-personal-loan-2026</loc>
    <lastmod>2026-05-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!--
    ═══ FUTURE BLOG POSTS (from CONTENT_PRIORITIES_MAY_2026.md) ═══
    Add these as they're published:
    - rbi-digital-lending-rules-2026
    - pmjay-70-plus-explained
    - itr-filing-2025-26-calculator
    - upi-credit-line-vs-credit-card
    - education-loan-usa-uk-2026-risk-guide
    - co-lending-india-2026
  -->

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