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  <!-- ── Core pages ── -->
  <url>
    <loc>https://tillutaxwala.com/</loc>
    <lastmod>2026-07-18</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
    <image:image>
      <image:loc>https://tillutaxwala.com/icon-512.png</image:loc>
      <image:title>Tillu Taxwala Logo</image:title>
      <image:caption>Tillu Taxwala — Free Income Tax Calculator AY 2026-27</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://tillutaxwala.com/opengraph.png</image:loc>
      <image:title>Tillu Taxwala — Free Income Tax Calculator AY 2026-27</image:title>
      <image:caption>Compare Old vs New regime, HRA, 80C, capital gains and Section 87A rebate. Free by Tillu Taxwala.</image:caption>
    </image:image>
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  <url>
    <loc>https://tillutaxwala.com/tools</loc>
    <lastmod>2026-07-18</lastmod>
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  <url>
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    <lastmod>2026-07-18</lastmod>
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  <url>
    <loc>https://tillutaxwala.com/videos</loc>
    <lastmod>2026-07-18</lastmod>
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    <video:video>
      <video:thumbnail_loc>https://i.ytimg.com/vi/Dqni--TsNLU/hqdefault.jpg</video:thumbnail_loc>
      <video:title>Shares Beche? Capital Gain ya Business Income? | Income Tax Rules Explained (Hindi)</video:title>
      <video:description>If you sold shares, is it Capital Gains or Business Income? Income Tax rules explained in simple Hindi for stock market investors.</video:description>
      <video:player_loc>https://www.youtube.com/embed/Dqni--TsNLU</video:player_loc>
      <video:publication_date>2026-07-18</video:publication_date>
      <video:family_friendly>yes</video:family_friendly>
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    <video:video>
      <video:thumbnail_loc>https://i.ytimg.com/vi/_zm75Gb6qEk/hqdefault.jpg</video:thumbnail_loc>
      <video:title>Old Regime or New Regime — which is better for YOU?</video:title>
      <video:description>Income tax regime comparison in Hindi — old vs new regime for salaried employees AY 2026-27.</video:description>
      <video:player_loc>https://www.youtube.com/embed/_zm75Gb6qEk</video:player_loc>
      <video:family_friendly>yes</video:family_friendly>
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    <video:video>
      <video:thumbnail_loc>https://i.ytimg.com/vi/RIWOx42T3EI/hqdefault.jpg</video:thumbnail_loc>
      <video:title>MYTH vs FACT! Do you still need to file an ITR if you have ZERO income?</video:title>
      <video:description>ITR filing rules explained — who must file even with zero income in India.</video:description>
      <video:player_loc>https://www.youtube.com/embed/RIWOx42T3EI</video:player_loc>
      <video:family_friendly>yes</video:family_friendly>
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    <video:video>
      <video:thumbnail_loc>https://i.ytimg.com/vi/p6nWB1NvfvQ/hqdefault.jpg</video:thumbnail_loc>
      <video:title>ITR Filing Deadline is Near! Don't Wait Until the Last Day!</video:title>
      <video:description>Last date for ITR filing in India — July 31 deadline reminder and tips.</video:description>
      <video:player_loc>https://www.youtube.com/embed/p6nWB1NvfvQ</video:player_loc>
      <video:family_friendly>yes</video:family_friendly>
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      <video:title>Tax on UPI Transactions Explained!</video:title>
      <video:description>Is UPI income taxable in India? Income tax rules on UPI transactions explained in Hindi.</video:description>
      <video:player_loc>https://www.youtube.com/embed/UyXv3sewdBw</video:player_loc>
      <video:family_friendly>yes</video:family_friendly>
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      <video:title>Cash Deposit and Cash Withdrawal Rules Every Indian Should Know!</video:title>
      <video:description>Income tax rules on cash deposits and withdrawals — limits and penalties explained.</video:description>
      <video:player_loc>https://www.youtube.com/embed/XZD7N_C0MN8</video:player_loc>
      <video:family_friendly>yes</video:family_friendly>
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      <video:thumbnail_loc>https://i.ytimg.com/vi/nId7Aoau0OU/hqdefault.jpg</video:thumbnail_loc>
      <video:title>How Much Gold Can You Legally Keep at Home? Income Tax Rules Explained!</video:title>
      <video:description>Gold holding limits under Indian income tax law — how much is exempt from scrutiny.</video:description>
      <video:player_loc>https://www.youtube.com/embed/nId7Aoau0OU</video:player_loc>
      <video:family_friendly>yes</video:family_friendly>
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      <video:thumbnail_loc>https://i.ytimg.com/vi/ASYlCtjpDIo/hqdefault.jpg</video:thumbnail_loc>
      <video:title>Can the Income Tax Department check your phone or laptop?</video:title>
      <video:description>Can IT department access your phone during a tax raid? Rights and rules explained in Hindi.</video:description>
      <video:player_loc>https://www.youtube.com/embed/ASYlCtjpDIo</video:player_loc>
      <video:family_friendly>yes</video:family_friendly>
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      <video:thumbnail_loc>https://i.ytimg.com/vi/LXKnz2zosng/hqdefault.jpg</video:thumbnail_loc>
      <video:title>Sold Shares or Mutual Funds? Don't Pay Extra Tax!</video:title>
      <video:description>Capital gains tax on shares and mutual funds — how to avoid overpaying.</video:description>
      <video:player_loc>https://www.youtube.com/embed/LXKnz2zosng</video:player_loc>
      <video:family_friendly>yes</video:family_friendly>
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    <video:video>
      <video:thumbnail_loc>https://i.ytimg.com/vi/88n_gkbFE5c/hqdefault.jpg</video:thumbnail_loc>
      <video:title>5 Tax Mistakes That Cost Small Business Owners Lakhs</video:title>
      <video:description>Common income tax mistakes made by small business owners in India and how to avoid them.</video:description>
      <video:player_loc>https://www.youtube.com/embed/88n_gkbFE5c</video:player_loc>
      <video:family_friendly>yes</video:family_friendly>
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  <url>
    <loc>https://tillutaxwala.com/services</loc>
    <lastmod>2026-07-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- ── Income Tax Calculators ── -->
  <url>
    <loc>https://tillutaxwala.com/calculator</loc>
    <lastmod>2026-07-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.95</priority>
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  <url>
    <loc>https://tillutaxwala.com/comprehensive</loc>
    <lastmod>2026-07-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://tillutaxwala.com/capital-gains</loc>
    <lastmod>2026-07-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://tillutaxwala.com/capital-gains/broker-upload</loc>
    <lastmod>2026-07-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://tillutaxwala.com/tax-filing-checker</loc>
    <lastmod>2026-07-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- ── Free Tools ── -->
  <url>
    <loc>https://tillutaxwala.com/tools/hra</loc>
    <lastmod>2026-07-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://tillutaxwala.com/tools/section89</loc>
    <lastmod>2026-07-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://tillutaxwala.com/tools/hra-receipt</loc>
    <lastmod>2026-07-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://tillutaxwala.com/tools/form12bb</loc>
    <lastmod>2026-07-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://tillutaxwala.com/tools/tax-calendar</loc>
    <lastmod>2026-07-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://tillutaxwala.com/tools/refund-status</loc>
    <lastmod>2026-07-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- ── Investment & Savings Calculators ── -->
  <url>
    <loc>https://tillutaxwala.com/tools/80d</loc>
    <lastmod>2026-07-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://tillutaxwala.com/tools/nps</loc>
    <lastmod>2026-07-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://tillutaxwala.com/tools/epf</loc>
    <lastmod>2026-07-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
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  <url>
    <loc>https://tillutaxwala.com/tools/sip</loc>
    <lastmod>2026-07-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
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  <url>
    <loc>https://tillutaxwala.com/tools/ppf</loc>
    <lastmod>2026-07-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://tillutaxwala.com/tools/gratuity</loc>
    <lastmod>2026-07-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://tillutaxwala.com/tools/crypto-tax</loc>
    <lastmod>2026-07-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>

  <!-- ── ITR Filing ── -->
  <url>
    <loc>https://tillutaxwala.com/premium-itr</loc>
    <lastmod>2026-07-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
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  <url>
    <loc>https://tillutaxwala.com/premium-itr/smart-fill</loc>
    <lastmod>2026-07-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- ── CA Services ── -->
  <url>
    <loc>https://tillutaxwala.com/ca-consultation</loc>
    <lastmod>2026-07-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>

  <!-- ── Business Tax ── -->
  <url>
    <loc>https://tillutaxwala.com/business</loc>
    <lastmod>2026-07-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
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  <url>
    <loc>https://tillutaxwala.com/business/calculator</loc>
    <lastmod>2026-07-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://tillutaxwala.com/business/presumptive</loc>
    <lastmod>2026-07-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://tillutaxwala.com/business/advance-tax</loc>
    <lastmod>2026-07-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://tillutaxwala.com/business/tds</loc>
    <lastmod>2026-07-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://tillutaxwala.com/business/tax-tips</loc>
    <lastmod>2026-07-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://tillutaxwala.com/business/ai-advisor</loc>
    <lastmod>2026-07-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- ── GST Suite ── -->
  <url>
    <loc>https://tillutaxwala.com/business/gst</loc>
    <lastmod>2026-07-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://tillutaxwala.com/business/gst/calculator</loc>
    <lastmod>2026-07-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://tillutaxwala.com/business/gst/rcm</loc>
    <lastmod>2026-07-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://tillutaxwala.com/business/gst/composition</loc>
    <lastmod>2026-07-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://tillutaxwala.com/business/gst/registration</loc>
    <lastmod>2026-07-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
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  <url>
    <loc>https://tillutaxwala.com/business/gst/gstin</loc>
    <lastmod>2026-07-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
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  <url>
    <loc>https://tillutaxwala.com/business/gst/itc</loc>
    <lastmod>2026-07-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
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  <url>
    <loc>https://tillutaxwala.com/business/gst/late-fee</loc>
    <lastmod>2026-07-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
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  <url>
    <loc>https://tillutaxwala.com/business/gst/due-dates</loc>
    <lastmod>2026-07-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>

  <!-- ── Community / Growth ── -->
  <url>
    <loc>https://tillutaxwala.com/refer</loc>
    <lastmod>2026-07-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://tillutaxwala.com/partners</loc>
    <lastmod>2026-07-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://tillutaxwala.com/get-app</loc>
    <lastmod>2026-07-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- ── Static ── -->
  <url>
    <loc>https://tillutaxwala.com/sitemap</loc>
    <lastmod>2026-07-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.4</priority>
  </url>
  <url>
    <loc>https://tillutaxwala.com/contact</loc>
    <lastmod>2026-07-18</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://tillutaxwala.com/privacy</loc>
    <lastmod>2026-07-18</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

  <!-- Blog Articles -->
  <url>
    <loc>https://tillutaxwala.com/blog/new-regime-vs-old-regime-2026</loc>
    <lastmod>2026-07-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://tillutaxwala.com/blog/income-tax-slab-rates-ay-2026-27</loc>
    <lastmod>2026-07-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://tillutaxwala.com/blog/how-to-file-itr-online-2026</loc>
    <lastmod>2026-07-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://tillutaxwala.com/blog/capital-gains-budget-2024</loc>
    <lastmod>2026-07-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://tillutaxwala.com/blog/section-54-capital-gains-exemption</loc>
    <lastmod>2026-07-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://tillutaxwala.com/blog/section-80c-complete-list</loc>
    <lastmod>2026-07-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://tillutaxwala.com/blog/section-80d-complete-guide</loc>
    <lastmod>2026-07-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://tillutaxwala.com/blog/hra-exemption-calculation</loc>
    <lastmod>2026-07-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://tillutaxwala.com/blog/how-to-save-tax-on-salary</loc>
    <lastmod>2026-07-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://tillutaxwala.com/blog/form-16-explained</loc>
    <lastmod>2026-06-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://tillutaxwala.com/blog/tds-on-salary-guide</loc>
    <lastmod>2026-06-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://tillutaxwala.com/blog/tds-rates-india-2026</loc>
    <lastmod>2026-07-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://tillutaxwala.com/blog/gst-for-small-business-guide</loc>
    <lastmod>2026-07-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://tillutaxwala.com/blog/section-44ad-44ada-presumptive-tax</loc>
    <lastmod>2026-07-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://tillutaxwala.com/blog/nps-vs-ppf-tax-saving</loc>
    <lastmod>2026-06-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://tillutaxwala.com/blog/crypto-tax-india-2025</loc>
    <lastmod>2026-06-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://tillutaxwala.com/blog/gratuity-tax-rules-2025</loc>
    <lastmod>2026-05-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://tillutaxwala.com/blog/common-itr-mistakes-to-avoid</loc>
    <lastmod>2026-07-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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