<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <!-- Core Main Pages -->
  <url>
    <loc>https://nivesty.com/</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>daily</changefreq>
    <priority>1.0</priority>
  </url>
  <url>
    <loc>https://nivesty.com/explore</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://nivesty.com/mutual-funds</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://nivesty.com/mutual-funds/screener</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://nivesty.com/mutual-funds/compare</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://nivesty.com/mutual-funds/amcs</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://nivesty.com/sip-calculator</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- AMC Detail Pages -->
  <url>
    <loc>https://nivesty.com/mutual-funds/amc/sbi-mutual-fund</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://nivesty.com/mutual-funds/amc/hdfc-mutual-fund</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://nivesty.com/mutual-funds/amc/icici-prudential-mutual-fund</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://nivesty.com/mutual-funds/amc/nippon-india-mutual-fund</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://nivesty.com/mutual-funds/amc/axis-mutual-fund</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://nivesty.com/mutual-funds/amc/uti-mutual-fund</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://nivesty.com/mutual-funds/amc/mirae-asset-mutual-fund</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://nivesty.com/mutual-funds/amc/kotak-mahindra-mutual-fund</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://nivesty.com/mutual-funds/amc/dsp-mutual-fund</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://nivesty.com/mutual-funds/amc/aditya-birla-sun-life-mutual-fund</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://nivesty.com/mutual-funds/amc/canara-robeco-mutual-fund</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.85</priority>
  </url>

  <!-- Fund Categories -->
  <url>
    <loc>https://nivesty.com/mutual-funds/category/flexi-cap</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://nivesty.com/mutual-funds/category/large-cap</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://nivesty.com/mutual-funds/category/mid-cap</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://nivesty.com/mutual-funds/category/small-cap</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://nivesty.com/mutual-funds/category/large-and-mid-cap</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://nivesty.com/mutual-funds/category/elss</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://nivesty.com/mutual-funds/category/index</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://nivesty.com/mutual-funds/category/debt</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://nivesty.com/mutual-funds/category/hybrid</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://nivesty.com/mutual-funds/category/multi-cap</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://nivesty.com/mutual-funds/category/focused</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://nivesty.com/mutual-funds/category/sectoral-thematic</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Resources Hub Main Landing -->
  <url>
    <loc>https://nivesty.com/resources</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- 1. Mutual Funds Resource Category & Articles -->
  <url>
    <loc>https://nivesty.com/resources/mutual-funds</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://nivesty.com/resources/mutual-funds/what-is-mutual-fund</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://nivesty.com/resources/mutual-funds/sip-guide</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://nivesty.com/resources/mutual-funds/sip-vs-lump-sum</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://nivesty.com/resources/mutual-funds/nav-and-expense-ratio</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://nivesty.com/resources/mutual-funds/mutual-funds-guide</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- 2. NFO Resource Category & Articles -->
  <url>
    <loc>https://nivesty.com/resources/nfo</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://nivesty.com/resources/nfo/what-is-an-nfo</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://nivesty.com/resources/nfo/nfo-vs-existing-mutual-funds</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://nivesty.com/resources/nfo/how-to-analyze-an-nfo-and-risks</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- 3. IPO Resource Category & Articles -->
  <url>
    <loc>https://nivesty.com/resources/ipo</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://nivesty.com/resources/ipo/what-is-an-ipo</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://nivesty.com/resources/ipo/how-ipo-allotment-works</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://nivesty.com/resources/ipo/ipo-valuation-and-gmp-explained</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- 4. Stocks Resource Category & Articles -->
  <url>
    <loc>https://nivesty.com/resources/stocks</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://nivesty.com/resources/stocks/stock-market-basics-for-beginners</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://nivesty.com/resources/stocks/fundamental-analysis-guide</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://nivesty.com/resources/stocks/dividend-investing-strategy</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- 5. Personal Finance Resource Category & Articles -->
  <url>
    <loc>https://nivesty.com/resources/personal-finance</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://nivesty.com/resources/personal-finance/50-30-20-budgeting-rule</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://nivesty.com/resources/personal-finance/how-to-build-emergency-fund</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://nivesty.com/resources/personal-finance/goal-based-investment-planning</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://nivesty.com/resources/personal-finance/investment-planning-guide</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- 6. Investment Guides Resource Category & Articles -->
  <url>
    <loc>https://nivesty.com/resources/investment-guides</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://nivesty.com/resources/investment-guides/asset-allocation-and-diversification</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://nivesty.com/resources/investment-guides/power-of-compounding-wealth-creation</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://nivesty.com/resources/investment-guides/how-to-review-portfolio</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://nivesty.com/resources/investment-guides/portfolio-review-guide</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Legacy Resource Guide URLs for Backward Compatibility -->
  <url>
    <loc>https://nivesty.com/resources/sip-guide</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://nivesty.com/resources/mutual-funds-guide</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://nivesty.com/resources/investment-planning-guide</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://nivesty.com/resources/portfolio-review-guide</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Wealth Journal (Blog) -->
  <url>
    <loc>https://nivesty.com/blog</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://nivesty.com/blog/what-is-mutual-fund</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://nivesty.com/blog/sip-vs-lump-sum</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://nivesty.com/blog/nav-and-expense-ratio</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://nivesty.com/blog/goal-based-investment-planning</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://nivesty.com/blog/how-to-review-portfolio</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Legal & Static Pages -->
  <url>
    <loc>https://nivesty.com/about</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://nivesty.com/contact</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://nivesty.com/disclaimer</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://nivesty.com/privacy</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://nivesty.com/terms</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
</urlset>
