<?xml version="1.0" encoding="UTF-8"?>
<!--
  Estima sitemap — refreshed for 2026 SEO with public marketing pages +
  highest-value /insights/* deep-links. The /app/* dashboard is private
  and intentionally excluded via robots.txt.
-->
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
        xmlns:xhtml="http://www.w3.org/1999/xhtml">

  <!-- ====================================================================
       Core marketing pages
       ==================================================================== -->
  <url>
    <loc>https://estima.co.in/</loc>
    <xhtml:link rel="alternate" hreflang="en-IN" href="https://estima.co.in/" />
    <xhtml:link rel="alternate" hreflang="x-default" href="https://estima.co.in/" />
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>
  <url>
    <loc>https://estima.co.in/pricing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://estima.co.in/register</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://estima.co.in/login</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://estima.co.in/lawyer/register</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- ====================================================================
       Insight / SEO landing pages — highest-value content URLs
       The /insights/:slug route renders public articles indexable by AI
       and traditional crawlers. Listed here in highest-CTR priority order.
       ==================================================================== -->
  <url>
    <loc>https://estima.co.in/insights/calc-emi</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://estima.co.in/insights/calc-rent-vs-buy</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://estima.co.in/insights/calc-snowball</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://estima.co.in/insights/calc-investment</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://estima.co.in/insights/calc-loan-optimizer</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://estima.co.in/insights/calc-resale</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://estima.co.in/insights/calc-od-cashflow</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://estima.co.in/insights/calc-cashflow</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://estima.co.in/insights/calc-investment-compare</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://estima.co.in/insights/compare-radar</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://estima.co.in/insights/portfolio-tracker</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://estima.co.in/insights/portfolio-vs-investments</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://estima.co.in/insights/ai-advisor</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://estima.co.in/insights/advisor</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://estima.co.in/insights/loan-rebalancer</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://estima.co.in/insights/rent-vs-buy</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://estima.co.in/insights/snowball</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://estima.co.in/insights/properties-add</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://estima.co.in/insights/emi-calculator</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://estima.co.in/insights/rent-comps</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://estima.co.in/insights/tenants</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://estima.co.in/insights/tenant-mgmt</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://estima.co.in/insights/projects</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://estima.co.in/insights/news</loc>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://estima.co.in/insights/referrals</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://estima.co.in/insights/share-link</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://estima.co.in/insights/phone-otp-login</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>

  <!-- ====================================================================
       Legal & trust pages
       ==================================================================== -->
  <url>
    <loc>https://estima.co.in/legal/terms</loc>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://estima.co.in/legal/privacy</loc>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://estima.co.in/disclaimer</loc>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

  <!-- ====================================================================
       Long-tail SEO landing pages (2026 India guides)
       Each is a deep, INR-first article answering a single high-intent query.
       ==================================================================== -->
  <url>
    <loc>https://estima.co.in/seo</loc>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://estima.co.in/seo/rent-vs-buy-bangalore-2026</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://estima.co.in/seo/rent-vs-buy-mumbai-2026</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://estima.co.in/seo/home-loan-emi-50-lakh-india</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://estima.co.in/seo/home-loan-emi-1-crore-india</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://estima.co.in/seo/section-24b-home-loan-deduction-2026</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://estima.co.in/seo/rental-snowball-strategy-india</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://estima.co.in/seo/should-i-prepay-home-loan-or-invest</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://estima.co.in/seo/stamp-duty-mumbai-vs-bangalore-2026</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://estima.co.in/seo/cibil-725-home-loan-eligibility</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://estima.co.in/seo/property-xirr-calculator-india</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
</urlset>
