<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
        xmlns:xhtml="http://www.w3.org/1999/xhtml">

  <!-- ═══════════════════════════════════════════
       CORE PAGES
  ═══════════════════════════════════════════ -->

  <url>
    <loc>https://www.ngram.co.in/index.html</loc>
    <lastmod>2026-06-30</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>

  <url>
    <loc>https://www.ngram.co.in/invest-in-funds.html</loc>
    <lastmod>2026-06-30</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://www.ngram.co.in/explore-funds.html</loc>
    <lastmod>2026-06-30</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://www.ngram.co.in/calculators.html</loc>
    <lastmod>2026-06-30</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://www.ngram.co.in/recharge-and-bills.html</loc>
    <lastmod>2026-06-30</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://www.ngram.co.in/bonds.html</loc>
    <lastmod>2026-06-30</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://www.ngram.co.in/contact.html</loc>
    <lastmod>2026-06-30</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- ═══════════════════════════════════════════
       MULTILINGUAL — RISK PROFILER
       hreflang cross-references for all variants
  ═══════════════════════════════════════════ -->

  <url>
    <loc>https://www.ngram.co.in/risk-profiler.html</loc>
    <lastmod>2026-06-30</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
    <xhtml:link rel="alternate" hreflang="en"    href="https://www.ngram.co.in/risk-profiler.html"/>
    <xhtml:link rel="alternate" hreflang="ta"    href="https://www.ngram.co.in/risk-profiler.html?lang=ta"/>
    <xhtml:link rel="alternate" hreflang="hi"    href="https://www.ngram.co.in/risk-profiler.html?lang=hi"/>
    <xhtml:link rel="alternate" hreflang="te"    href="https://www.ngram.co.in/risk-profiler.html?lang=te"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://www.ngram.co.in/risk-profiler.html"/>
  </url>

  <url>
    <loc>https://www.ngram.co.in/risk-profiler.html?lang=ta</loc>
    <lastmod>2026-06-30</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <xhtml:link rel="alternate" hreflang="en"    href="https://www.ngram.co.in/risk-profiler.html"/>
    <xhtml:link rel="alternate" hreflang="ta"    href="https://www.ngram.co.in/risk-profiler.html?lang=ta"/>
    <xhtml:link rel="alternate" hreflang="hi"    href="https://www.ngram.co.in/risk-profiler.html?lang=hi"/>
    <xhtml:link rel="alternate" hreflang="te"    href="https://www.ngram.co.in/risk-profiler.html?lang=te"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://www.ngram.co.in/risk-profiler.html"/>
  </url>

  <url>
    <loc>https://www.ngram.co.in/risk-profiler.html?lang=hi</loc>
    <lastmod>2026-06-30</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <xhtml:link rel="alternate" hreflang="en"    href="https://www.ngram.co.in/risk-profiler.html"/>
    <xhtml:link rel="alternate" hreflang="ta"    href="https://www.ngram.co.in/risk-profiler.html?lang=ta"/>
    <xhtml:link rel="alternate" hreflang="hi"    href="https://www.ngram.co.in/risk-profiler.html?lang=hi"/>
    <xhtml:link rel="alternate" hreflang="te"    href="https://www.ngram.co.in/risk-profiler.html?lang=te"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://www.ngram.co.in/risk-profiler.html"/>
  </url>

  <url>
    <loc>https://www.ngram.co.in/risk-profiler.html?lang=te</loc>
    <lastmod>2026-06-30</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <xhtml:link rel="alternate" hreflang="en"    href="https://www.ngram.co.in/risk-profiler.html"/>
    <xhtml:link rel="alternate" hreflang="ta"    href="https://www.ngram.co.in/risk-profiler.html?lang=ta"/>
    <xhtml:link rel="alternate" hreflang="hi"    href="https://www.ngram.co.in/risk-profiler.html?lang=hi"/>
    <xhtml:link rel="alternate" hreflang="te"    href="https://www.ngram.co.in/risk-profiler.html?lang=te"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://www.ngram.co.in/risk-profiler.html"/>
  </url>

  <!-- ═══════════════════════════════════════════
       MULTILINGUAL — LEARN MUTUAL FUNDS
  ═══════════════════════════════════════════ -->

  <url>
    <loc>https://www.ngram.co.in/learn-mutual-funds.html</loc>
    <lastmod>2026-06-30</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
    <xhtml:link rel="alternate" hreflang="en"    href="https://www.ngram.co.in/learn-mutual-funds.html"/>
    <xhtml:link rel="alternate" hreflang="ta"    href="https://www.ngram.co.in/learn-mutual-funds.html?lang=ta"/>
    <xhtml:link rel="alternate" hreflang="hi"    href="https://www.ngram.co.in/learn-mutual-funds.html?lang=hi"/>
    <xhtml:link rel="alternate" hreflang="te"    href="https://www.ngram.co.in/learn-mutual-funds.html?lang=te"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://www.ngram.co.in/learn-mutual-funds.html"/>
  </url>

  <url>
    <loc>https://www.ngram.co.in/learn-mutual-funds.html?lang=ta</loc>
    <lastmod>2026-06-30</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <xhtml:link rel="alternate" hreflang="en"    href="https://www.ngram.co.in/learn-mutual-funds.html"/>
    <xhtml:link rel="alternate" hreflang="ta"    href="https://www.ngram.co.in/learn-mutual-funds.html?lang=ta"/>
    <xhtml:link rel="alternate" hreflang="hi"    href="https://www.ngram.co.in/learn-mutual-funds.html?lang=hi"/>
    <xhtml:link rel="alternate" hreflang="te"    href="https://www.ngram.co.in/learn-mutual-funds.html?lang=te"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://www.ngram.co.in/learn-mutual-funds.html"/>
  </url>

  <url>
    <loc>https://www.ngram.co.in/learn-mutual-funds.html?lang=hi</loc>
    <lastmod>2026-06-30</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <xhtml:link rel="alternate" hreflang="en"    href="https://www.ngram.co.in/learn-mutual-funds.html"/>
    <xhtml:link rel="alternate" hreflang="ta"    href="https://www.ngram.co.in/learn-mutual-funds.html?lang=ta"/>
    <xhtml:link rel="alternate" hreflang="hi"    href="https://www.ngram.co.in/learn-mutual-funds.html?lang=hi"/>
    <xhtml:link rel="alternate" hreflang="te"    href="https://www.ngram.co.in/learn-mutual-funds.html?lang=te"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://www.ngram.co.in/learn-mutual-funds.html"/>
  </url>

  <url>
    <loc>https://www.ngram.co.in/learn-mutual-funds.html?lang=te</loc>
    <lastmod>2026-06-30</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <xhtml:link rel="alternate" hreflang="en"    href="https://www.ngram.co.in/learn-mutual-funds.html"/>
    <xhtml:link rel="alternate" hreflang="ta"    href="https://www.ngram.co.in/learn-mutual-funds.html?lang=ta"/>
    <xhtml:link rel="alternate" hreflang="hi"    href="https://www.ngram.co.in/learn-mutual-funds.html?lang=hi"/>
    <xhtml:link rel="alternate" hreflang="te"    href="https://www.ngram.co.in/learn-mutual-funds.html?lang=te"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://www.ngram.co.in/learn-mutual-funds.html"/>
  </url>

  <!-- ═══════════════════════════════════════════
       LEGAL PAGES
       login.html intentionally excluded (noindex)
  ═══════════════════════════════════════════ -->

  <url>
    <loc>https://www.ngram.co.in/amfi-disclosure.html</loc>
    <lastmod>2026-06-30</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <url>
    <loc>https://www.ngram.co.in/disclaimer.html</loc>
    <lastmod>2026-06-30</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
  </url>

  <url>
    <loc>https://www.ngram.co.in/privacy-policy.html</loc>
    <lastmod>2026-06-30</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
  </url>

  <url>
    <loc>https://www.ngram.co.in/terms-of-service.html</loc>
    <lastmod>2026-06-30</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
  </url>

</urlset>
