<?xml version="1.0" encoding="UTF-8"?>
<!--
  M&M Fintech — sitemap.xml
  Place this file in: /public/sitemap.xml
  It will be served at: https://mmfintech.online/sitemap.xml

  After deploying, submit this URL in Google Search Console:
  → https://search.google.com/search-console
  → Sitemaps → Enter "sitemap.xml" → Submit

  Update lastmod dates when you make significant changes to pages.
-->
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
        xmlns:xhtml="http://www.w3.org/1999/xhtml">

  <!-- Homepage — highest priority -->
  <url>
    <loc>https://mmfintech.online/</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>

  <!--
    Note: Your current site is a single-page app (SPA) with all sections
    on one page (/#services, /#contact etc.). These are not separate URLs
    that Google can index individually.

    As you add real separate pages (blog posts, service pages), add them here:

  <url>
    <loc>https://mmfintech.online/services/gst-filing</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://mmfintech.online/services/business-automation</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://mmfintech.online/blog</loc>
    <lastmod>2026-03-27</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  -->

</urlset>
