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  <!-- Homepage -->
  <url>
    <loc>https://upimdr.com/</loc>
    <lastmod>2026-09-18</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>
  <url>
    <loc>https://upimdr.com/pages/upi-qr-generator.html</loc>
    <lastmod>2026-09-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Core Tool Pages -->
  <url><loc>https://upimdr.com/pages/calculator.html</loc><lastmod>2026-09-18</lastmod><changefreq>weekly</changefreq><priority>0.9</priority></url>
  <url><loc>https://upimdr.com/pages/upi-mdr-rules.html</loc><lastmod>2026-09-18</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://upimdr.com/pages/upi-mdr-rates.html</loc><lastmod>2026-09-18</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://upimdr.com/pages/upi-settlement-calculator.html</loc><lastmod>2026-09-18</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://upimdr.com/pages/monthly-calculator.html</loc><lastmod>2026-09-18</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://upimdr.com/pages/reverse-calculator.html</loc><lastmod>2026-09-18</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://upimdr.com/pages/upi-mdr-gst-calculator.html</loc><lastmod>2026-09-18</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://upimdr.com/pages/upi-mdr-charges.html</loc><lastmod>2026-09-18</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>

  <!-- Amount Pages -->
  <url><loc>https://upimdr.com/pages/amount/upi-mdr-on-500.html</loc><lastmod>2026-09-18</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://upimdr.com/pages/amount/upi-mdr-on-1000.html</loc><lastmod>2026-09-18</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://upimdr.com/pages/amount/upi-mdr-on-1500.html</loc><lastmod>2026-09-18</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://upimdr.com/pages/amount/upi-mdr-on-2000.html</loc><lastmod>2026-09-18</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://upimdr.com/pages/amount/upi-mdr-on-3000.html</loc><lastmod>2026-09-18</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://upimdr.com/pages/amount/upi-mdr-on-5000.html</loc><lastmod>2026-09-18</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://upimdr.com/pages/amount/upi-mdr-on-10000.html</loc><lastmod>2026-09-18</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://upimdr.com/pages/amount/upi-mdr-on-25000.html</loc><lastmod>2026-09-18</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://upimdr.com/pages/amount/upi-mdr-on-50000.html</loc><lastmod>2026-09-18</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://upimdr.com/pages/amount/upi-mdr-on-75000.html</loc><lastmod>2026-09-18</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://upimdr.com/pages/amount/upi-mdr-on-1-lakh.html</loc><lastmod>2026-09-18</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://upimdr.com/pages/amount/upi-mdr-on-5-lakh.html</loc><lastmod>2026-09-18</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://upimdr.com/pages/amount/upi-mdr-on-10-lakh.html</loc><lastmod>2026-09-18</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <!-- Guides -->
  <url><loc>https://upimdr.com/guides/</loc><lastmod>2026-09-18</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://upimdr.com/guides/what-is-upi-mdr.html</loc><lastmod>2026-09-18</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://upimdr.com/guides/upi-mdr-rules-2026.html</loc><lastmod>2026-09-18</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://upimdr.com/guides/who-pays-upi-mdr.html</loc><lastmod>2026-09-18</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://upimdr.com/guides/how-upi-mdr-is-calculated.html</loc><lastmod>2026-09-18</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://upimdr.com/guides/upi-mdr-and-gst.html</loc><lastmod>2026-09-18</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://upimdr.com/guides/upi-mdr-vs-credit-card-mdr.html</loc><lastmod>2026-09-18</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://upimdr.com/guides/upi-mdr-for-small-merchants.html</loc><lastmod>2026-09-18</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://upimdr.com/guides/upi-mdr-for-businesses.html</loc><lastmod>2026-09-18</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://upimdr.com/guides/upi-merchant-charges.html</loc><lastmod>2026-09-18</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://upimdr.com/guides/upi-payment-charges.html</loc><lastmod>2026-09-18</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://upimdr.com/guides/upi-settlement-amount.html</loc><lastmod>2026-09-18</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://upimdr.com/guides/monthly-upi-payment-costs.html</loc><lastmod>2026-09-18</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://upimdr.com/guides/upi-mdr-faqs.html</loc><lastmod>2026-09-18</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <!-- Supporting Pages -->
  <url><loc>https://upimdr.com/pages/faq.html</loc><lastmod>2026-09-18</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://upimdr.com/pages/sources.html</loc><lastmod>2026-09-18</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://upimdr.com/pages/about.html</loc><lastmod>2026-09-18</lastmod><changefreq>yearly</changefreq><priority>0.5</priority></url>
  <url><loc>https://upimdr.com/pages/contact.html</loc><lastmod>2026-09-18</lastmod><changefreq>yearly</changefreq><priority>0.4</priority></url>
  <url><loc>https://upimdr.com/pages/privacy.html</loc><lastmod>2026-09-18</lastmod><changefreq>yearly</changefreq><priority>0.3</priority></url>
  <url><loc>https://upimdr.com/pages/terms.html</loc><lastmod>2026-09-18</lastmod><changefreq>yearly</changefreq><priority>0.3</priority></url>
  <url><loc>https://upimdr.com/pages/disclaimer.html</loc><lastmod>2026-09-18</lastmod><changefreq>yearly</changefreq><priority>0.3</priority></url>

</urlset>
