<?xml version="1.0" encoding="UTF-8"?>
<sitemapindex xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
              xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
              xsi:schemaLocation="http://www.sitemaps.org/schemas/sitemap/0.9
              http://www.sitemaps.org/schemas/sitemap/0.9/siteindex.xsd">

  <!--
    EMICalc_v1 - Sitemap Index
    Organizes all sitemaps for Google Search Console
    Last Updated: 2026-04-19

    Replace 'https://emicalculator365.com' with your actual domain

    This index file references all sitemaps. Submit this URL to Google Search Console.
  -->

  <!-- Main Sitemap - Core Pages -->
  <sitemap>
    <loc>https://emicalculator365.com/sitemap.xml</loc>
    <lastmod>2026-04-19</lastmod>
  </sitemap>

  <!-- Enhanced Sitemap - With Images -->
  <sitemap>
    <loc>https://emicalculator365.com/sitemap-enhanced.xml</loc>
    <lastmod>2026-04-19</lastmod>
  </sitemap>

  <!-- Future: Add language-specific sitemaps when implementing i18n
  <sitemap>
    <loc>https://emicalculator365.com/sitemap-hi.xml</loc>
    <lastmod>2026-04-19</lastmod>
  </sitemap>

  <sitemap>
    <loc>https://emicalculator365.com/sitemap-ta.xml</loc>
    <lastmod>2026-04-19</lastmod>
  </sitemap>
  -->

</sitemapindex>