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

  <!-- Home -->
  <url>
    <loc>https://loanwalle.com/</loc>
    <lastmod>2026-09-29</lastmod>
    <changefreq>daily</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- Core loan products -->
  <url>
    <loc>https://loanwalle.com/personal-loan</loc>
    <lastmod>2026-09-29</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://loanwalle.com/instant-loan</loc>
    <lastmod>2026-09-29</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://loanwalle.com/gold-loan</loc>
    <lastmod>2026-09-29</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://loanwalle.com/credit-score</loc>
    <lastmod>2026-09-02</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Investment products -->
  <!-- /insurance and /mutual-funds ("Coming Soon") are noindex,follow and deliberately NOT listed until launched. -->
  <url>
    <loc>https://loanwalle.com/fixed-deposits</loc>
    <lastmod>2026-09-29</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <!-- /insuranceapply, /mutualfundsapply, /fdapply are application-only (noindex,follow) and NOT listed. -->
  <url>
    <loc>https://loanwalle.com/investment-lending</loc>
    <lastmod>2026-09-29</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Campaign / hub landing pages -->
  <url>
    <loc>https://loanwalle.com/lending</loc>
    <lastmod>2026-08-11</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
  <!-- /personalloan-lending, /instantloan-lending and /goldloan-lending
       deliberately NOT listed: all three canonicalize to /personal-loan,
       /instant-loan and /gold-loan respectively (confirmed duplicate-content
       risk — same Why Choose Us / How It Works / Pricing / Use Cases content,
       every CTA already points at the main page), so the sitemap should only
       advertise the canonical URL, not the page that defers to it. -->

  <!-- Marketing / trust pages -->
  <url>
    <loc>https://loanwalle.com/faq</loc>
    <lastmod>2026-09-22</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://loanwalle.com/about</loc>
    <lastmod>2026-09-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://loanwalle.com/contact</loc>
    <lastmod>2026-09-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://loanwalle.com/career</loc>
    <lastmod>2026-09-22</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://loanwalle.com/blogs</loc>
    <lastmod>2026-10-01</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Blog posts (published via CRM). lastmod = the post's updated_at from the CMS. -->
  <url>
    <loc>https://loanwalle.com/blogs/smart-checks-before-you-apply-for-an-instant-loan</loc>
    <lastmod>2026-10-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://loanwalle.com/blogs/top-7-mistakes-to-avoid-while-taking-a-personal-loan-2</loc>
    <lastmod>2026-10-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://loanwalle.com/blogs/instant-personal-loans-benefits-risks</loc>
    <lastmod>2026-10-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://loanwalle.com/blogs/how-your-cibil-score-affects-your-loan-approval</loc>
    <lastmod>2026-10-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://loanwalle.com/blogs/how-to-choose-the-right-personal-loan-in-india-2026-guide</loc>
    <lastmod>2026-10-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- Legal / policy pages -->
  <url>
    <loc>https://loanwalle.com/privacy-policy</loc>
    <lastmod>2026-09-14</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://loanwalle.com/terms</loc>
    <lastmod>2026-09-14</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://loanwalle.com/terms-of-use</loc>
    <lastmod>2026-09-14</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://loanwalle.com/cookie-policy</loc>
    <lastmod>2026-09-14</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://loanwalle.com/grievance-policy</loc>
    <lastmod>2026-09-14</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://loanwalle.com/kyc-policy</loc>
    <lastmod>2026-09-14</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://loanwalle.com/consent-policy</loc>
    <lastmod>2026-09-14</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://loanwalle.com/fair-practice-code</loc>
    <lastmod>2026-09-14</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://loanwalle.com/record-retention-policy</loc>
    <lastmod>2026-09-14</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://loanwalle.com/data-deletion</loc>
    <lastmod>2026-09-14</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.2</priority>
  </url>

  <!--
    Maintenance: lastmod should be the date the page's content last really
    changed — don't bump it for unrelated deploys. For a new blog post, add a
    <url> block above (lastmod = the post's updated_at date):

    <url>
      <loc>https://loanwalle.com/blogs/your-post-slug</loc>
      <lastmod>YYYY-MM-DD</lastmod>
      <changefreq>monthly</changefreq>
      <priority>0.6</priority>
    </url>

    NOT included on purpose — private, auth-gated, noindex'd:
    /apply-loans, /my-loans, /profile
    Also not listed (commented out in proxy.ts, so they return 404): /investment (old v1 page),
    /partner-with-us (never shown in the UI), /refund-policy (footer links to /Refund.pdf).
  -->

</urlset>
