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  <!-- Core pages -->
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    <loc>https://associatepiyush.co.in</loc>
    <lastmod>2026-06-11</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
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  <url>
    <loc>https://associatepiyush.co.in/services</loc>
    <lastmod>2026-06-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
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  <url>
    <loc>https://associatepiyush.co.in/contact</loc>
    <lastmod>2026-06-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Tools hub -->
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    <loc>https://associatepiyush.co.in/tools</loc>
    <lastmod>2026-06-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
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  <url>
    <loc>https://associatepiyush.co.in/tools/dashboard</loc>
    <lastmod>2026-06-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Tax tools -->
  <url>
    <loc>https://associatepiyush.co.in/tools/itr-estimator</loc>
    <lastmod>2026-06-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://associatepiyush.co.in/tools/advance-tax</loc>
    <lastmod>2026-06-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://associatepiyush.co.in/tools/capital-gains</loc>
    <lastmod>2026-06-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://associatepiyush.co.in/tools/ltcg-property</loc>
    <lastmod>2026-06-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://associatepiyush.co.in/tools/tds-calculator</loc>
    <lastmod>2026-06-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://associatepiyush.co.in/tools/notice-reply</loc>
    <lastmod>2026-06-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- GST tools -->
  <url>
    <loc>https://associatepiyush.co.in/tools/gst-invoice</loc>
    <lastmod>2026-06-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://associatepiyush.co.in/tools/gstr2a-recon</loc>
    <lastmod>2026-06-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://associatepiyush.co.in/tools/gst-late-fee</loc>
    <lastmod>2026-06-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://associatepiyush.co.in/tools/26as-recon</loc>
    <lastmod>2026-06-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Document tools -->
  <url>
    <loc>https://associatepiyush.co.in/tools/bank-statement</loc>
    <lastmod>2026-06-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://associatepiyush.co.in/tools/tally-ledger</loc>
    <lastmod>2026-06-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://associatepiyush.co.in/tools/pdf-merge</loc>
    <lastmod>2026-06-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://associatepiyush.co.in/tools/pdf-compress</loc>
    <lastmod>2026-06-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://associatepiyush.co.in/tools/word-to-pdf</loc>
    <lastmod>2026-06-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Resources / Blog -->
  <url>
    <loc>https://associatepiyush.co.in/resources</loc>
    <lastmod>2026-06-11</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://associatepiyush.co.in/resources/ltcg-flat-sale-section-54</loc>
    <lastmod>2026-06-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://associatepiyush.co.in/resources/gst-refund-exporters-lut-igst</loc>
    <lastmod>2026-06-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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