<?xml version="1.0" encoding="UTF-8"?>
<!-- The homepage, one page per supported broker, and the legal docs. The broker
     pages exist to catch the long-tail queries ("zerodha portfolio tracker",
     "groww portfolio tracker") that the single-page site was forcing onto one
     URL. In-page anchors and modal hashes are deliberately NOT listed — same
     document, so they'd be duplicate content rather than extra coverage.

     Varsity by Zfolio (/varsity/...) URLs are NOT listed here — this file is only
     ever read as a *base* by src/services/varsity_sitemap.py, which appends
     one <url> per module/chapter fetched live from zenpub before serving
     /sitemap.xml, since that list grows without a deploy to this repo. Do not
     hand-add varsity URLs here; they'd just sit stale next to the live ones. -->
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <url>
    <loc>https://zfolio.co.in/</loc>
    <lastmod>2026-09-11</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>
  <!-- Missing until 2026-08-28 despite the page existing with full unique
       metadata and JSON-LD — a real gap, not deliberate: nothing on the site
       links to it any more either (see the commit removing the footer/FAQ
       link), so the sitemap was its only remaining path to discovery.
       priority/changefreq reflect that its content is genuinely refreshed
       weekly from live backtest data, same as the homepage. -->
  <url>
    <loc>https://zfolio.co.in/nifty50-ai-strategy/</loc>
    <lastmod>2026-09-11</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://zfolio.co.in/varsity/</loc>
    <lastmod>2026-09-11</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://zfolio.co.in/zerodha-portfolio-tracker/</loc>
    <lastmod>2026-09-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://zfolio.co.in/groww-portfolio-tracker/</loc>
    <lastmod>2026-09-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://zfolio.co.in/paytm-money-portfolio-tracker/</loc>
    <lastmod>2026-09-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://zfolio.co.in/legal/terms/</loc>
    <lastmod>2026-08-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://zfolio.co.in/legal/privacy/</loc>
    <lastmod>2026-08-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://zfolio.co.in/legal/acceptable-use/</loc>
    <lastmod>2026-08-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://zfolio.co.in/legal/cookies/</loc>
    <lastmod>2026-08-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://zfolio.co.in/legal/refunds/</loc>
    <lastmod>2026-08-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://zfolio.co.in/varsity/portfolio-basics/what-is-a-portfolio/</loc>
    <lastmod>2026-08-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://zfolio.co.in/varsity/portfolio-basics/asset-classes-explained/</loc>
    <lastmod>2026-08-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://zfolio.co.in/varsity/portfolio-basics/diversification-strategy/</loc>
    <lastmod>2026-08-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://zfolio.co.in/varsity/investment-vehicles/mutual-funds-sips/</loc>
    <lastmod>2026-08-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://zfolio.co.in/varsity/investment-vehicles/bonds-fixed-income/</loc>
    <lastmod>2026-08-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://zfolio.co.in/varsity/investment-vehicles/gold-physical-etf-sgb/</loc>
    <lastmod>2026-08-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://zfolio.co.in/varsity/modern-portfolio-theory/efficient-frontier/</loc>
    <lastmod>2026-08-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://zfolio.co.in/varsity/modern-portfolio-theory/capm-factor-investing/</loc>
    <lastmod>2026-08-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://zfolio.co.in/varsity/modern-portfolio-theory/risk-vs-return/</loc>
    <lastmod>2026-08-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://zfolio.co.in/varsity/modern-portfolio-theory/correlation-matrix/</loc>
    <lastmod>2026-08-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://zfolio.co.in/varsity/modern-portfolio-theory/risk-parity-hrp/</loc>
    <lastmod>2026-08-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://zfolio.co.in/varsity/risk-management/understanding-risk-metrics/</loc>
    <lastmod>2026-08-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://zfolio.co.in/varsity/risk-management/hedging-techniques/</loc>
    <lastmod>2026-08-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://zfolio.co.in/varsity/risk-management/stop-loss-orders/</loc>
    <lastmod>2026-08-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://zfolio.co.in/varsity/risk-management/investor-psychology-behavioral-biases/</loc>
    <lastmod>2026-08-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://zfolio.co.in/varsity/beat-the-index/what-are-index-funds/</loc>
    <lastmod>2026-08-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://zfolio.co.in/varsity/beat-the-index/nifty-50-vs-sensex/</loc>
    <lastmod>2026-08-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://zfolio.co.in/varsity/beat-the-index/passive-vs-active-investing/</loc>
    <lastmod>2026-08-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://zfolio.co.in/varsity/beat-the-index/how-this-app-beats-a-simple-index-fund/</loc>
    <lastmod>2026-08-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://zfolio.co.in/varsity/asset-allocation/60-30-10-rule/</loc>
    <lastmod>2026-08-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://zfolio.co.in/varsity/asset-allocation/age-based-allocation/</loc>
    <lastmod>2026-08-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://zfolio.co.in/varsity/asset-allocation/rebalancing-strategies/</loc>
    <lastmod>2026-08-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://zfolio.co.in/varsity/asset-allocation/retirement-goal-planning/</loc>
    <lastmod>2026-08-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://zfolio.co.in/varsity/stock-analysis/fundamental-analysis/</loc>
    <lastmod>2026-08-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://zfolio.co.in/varsity/stock-analysis/reading-financial-statements/</loc>
    <lastmod>2026-08-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://zfolio.co.in/varsity/stock-analysis/technical-analysis-basics/</loc>
    <lastmod>2026-08-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://zfolio.co.in/varsity/tax-optimization/capital-gains-tax/</loc>
    <lastmod>2026-08-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://zfolio.co.in/varsity/tax-optimization/tax-loss-harvesting/</loc>
    <lastmod>2026-08-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://zfolio.co.in/varsity/tax-optimization/elss-funds/</loc>
    <lastmod>2026-08-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://zfolio.co.in/varsity/advanced-strategies/options-trading-basics/</loc>
    <lastmod>2026-08-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://zfolio.co.in/varsity/advanced-strategies/momentum-investing/</loc>
    <lastmod>2026-08-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://zfolio.co.in/varsity/advanced-strategies/market-cycles/</loc>
    <lastmod>2026-08-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://zfolio.co.in/varsity/ai-in-portfolio-management/what-is-ai-in-investing/</loc>
    <lastmod>2026-08-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://zfolio.co.in/varsity/ai-in-portfolio-management/ml-reinforcement-learning-portfolio-optimization/</loc>
    <lastmod>2026-08-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://zfolio.co.in/varsity/ai-in-portfolio-management/llms-nlp-sentiment-analysis-stock-research/</loc>
    <lastmod>2026-08-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://zfolio.co.in/varsity/ai-in-portfolio-management/ai-limits-overfitting-black-boxes-regulation/</loc>
    <lastmod>2026-08-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
</urlset>
