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

    <!-- ============ MAIN PAGES ============ -->
    <url>
        <loc>https://onocredit.com/</loc>
        <changefreq>weekly</changefreq>
        <priority>1.0</priority>
    </url>

    <url>
        <loc>https://onocredit.com/index.php</loc>
        <changefreq>weekly</changefreq>
        <priority>1.0</priority>
    </url>

    <url>
        <loc>https://onocredit.com/loan.php</loc>
        <changefreq>weekly</changefreq>
        <priority>0.9</priority>
    </url>

    <url>
        <loc>https://onocredit.com/loan-calculator.php</loc>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>

    <url>
        <loc>https://onocredit.com/about.php</loc>
        <changefreq>monthly</changefreq>
        <priority>0.7</priority>
    </url>

    <url>
        <loc>https://onocredit.com/contact.php</loc>
        <changefreq>monthly</changefreq>
        <priority>0.7</priority>
    </url>

    <url>
        <loc>https://onocredit.com/check-status.php</loc>
        <changefreq>weekly</changefreq>
        <priority>0.7</priority>
    </url>

    <url>
        <loc>https://onocredit.com/faq.php</loc>
        <changefreq>monthly</changefreq>
        <priority>0.6</priority>
    </url>

    <url>
        <loc>https://onocredit.com/grievance.php</loc>
        <changefreq>monthly</changefreq>
        <priority>0.5</priority>
    </url>

    <url>
        <loc>https://onocredit.com/repay-loan.php</loc>
        <changefreq>monthly</changefreq>
        <priority>0.6</priority>
    </url>

    <!-- ============ LEGAL / POLICY PAGES (RBI Compliance) ============ -->
    <url>
        <loc>https://onocredit.com/privacy-policy.php</loc>
        <changefreq>yearly</changefreq>
        <priority>0.5</priority>
    </url>

    <url>
        <loc>https://onocredit.com/disclaimer.php</loc>
        <changefreq>yearly</changefreq>
        <priority>0.4</priority>
    </url>

    <url>
        <loc>https://onocredit.com/disclosure.php</loc>
        <changefreq>yearly</changefreq>
        <priority>0.4</priority>
    </url>

    <url>
        <loc>https://onocredit.com/fair-practice-code-policy.php</loc>
        <changefreq>yearly</changefreq>
        <priority>0.4</priority>
    </url>

    <url>
        <loc>https://onocredit.com/interest-rate-policy.php</loc>
        <changefreq>yearly</changefreq>
        <priority>0.4</priority>
    </url>

    <url>
        <loc>https://onocredit.com/kyc-aml-policy.php</loc>
        <changefreq>yearly</changefreq>
        <priority>0.4</priority>
    </url>

    <url>
        <loc>https://onocredit.com/risk-management-policy.php</loc>
        <changefreq>yearly</changefreq>
        <priority>0.4</priority>
    </url>

    <url>
        <loc>https://onocredit.com/corporate-governance-policy.php</loc>
        <changefreq>yearly</changefreq>
        <priority>0.4</priority>
    </url>

</urlset>
