<?xml version="1.0" encoding="UTF-8"?>
<!--
  Smart Agent (apnait.in) Sitemap - Brand-Split SEO Strategy
  Lists pages that are SELF-CANONICAL on apnait.in
  Smart Agent = classic, mobile-first insurance CRM app
  Agenex (https://agenex.in) = AI-powered upgrade (separate brand, separate sitemap)
-->
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">

  <!-- Smart Agent Homepage -->
  <url>
    <loc>https://apnait.in/</loc>
    <lastmod>2026-06-05</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- Core Smart Agent App pages -->
  <url><loc>https://apnait.in/smart-agent.php</loc><lastmod>2026-06-05</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://apnait.in/features.php</loc><lastmod>2026-06-05</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://apnait.in/pricing.php</loc><lastmod>2026-06-05</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://apnait.in/tutorial.php</loc><lastmod>2026-06-05</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://apnait.in/smart-agent-vs-competitors.php</loc><lastmod>2026-06-05</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>

  <!-- High-traffic SEO landing pages (rebuilt from keyword research, June 2026) -->
  <url><loc>https://apnait.in/lic-agent-software.php</loc><lastmod>2026-06-05</lastmod><changefreq>monthly</changefreq><priority>0.95</priority></url>
  <url><loc>https://apnait.in/motor-insurance-agent-software.php</loc><lastmod>2026-06-05</lastmod><changefreq>monthly</changefreq><priority>0.92</priority></url>
  <url><loc>https://apnait.in/posp-agent-software.php</loc><lastmod>2026-06-05</lastmod><changefreq>monthly</changefreq><priority>0.88</priority></url>
  <url><loc>https://apnait.in/policy-renewal-reminder-software.php</loc><lastmod>2026-06-05</lastmod><changefreq>monthly</changefreq><priority>0.86</priority></url>
  <url><loc>https://apnait.in/health-insurance-agent-software.php</loc><lastmod>2026-06-05</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>
  <url><loc>https://apnait.in/best-insurance-crm-india.php</loc><lastmod>2026-06-05</lastmod><changefreq>monthly</changefreq><priority>0.85</priority></url>

  <!-- Smart Agent free tools -->
  <url><loc>https://apnait.in/smart-agent-calculator.html</loc><lastmod>2026-06-05</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://apnait.in/smart-agent-calculation.html</loc><lastmod>2026-06-05</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://apnait.in/How_use.html</loc><lastmod>2026-06-05</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>

  <!-- Smart Agent Blog -->
  <url><loc>https://apnait.in/blog/</loc><lastmod>2026-06-05</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url>

  <!-- 42 Blog Posts (self-canonical, human-rewritten for Smart Agent brand) -->
  <url><loc>https://apnait.in/blog/best-insurance-crm-india.php</loc><lastmod>2026-06-05</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://apnait.in/blog/best-insurance-software-for-agents-india.php</loc><lastmod>2026-06-05</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://apnait.in/blog/bima-agent-software-hindi.php</loc><lastmod>2026-06-05</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://apnait.in/blog/calculate-insurance-commission.php</loc><lastmod>2026-06-05</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://apnait.in/blog/grow-insurance-agency-india.php</loc><lastmod>2026-06-05</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://apnait.in/blog/gst-income-tax-insurance-agent-commission-india.php</loc><lastmod>2026-06-05</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://apnait.in/blog/health-insurance-agent-guide.php</loc><lastmod>2026-06-05</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://apnait.in/blog/health-insurance-management-software.php</loc><lastmod>2026-06-05</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://apnait.in/blog/how-insurance-agents-manage-policies-renewals.php</loc><lastmod>2026-06-05</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://apnait.in/blog/how-to-become-insurance-agent-india-2026.php</loc><lastmod>2026-06-05</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://apnait.in/blog/how-to-get-more-insurance-clients.php</loc><lastmod>2026-06-05</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://apnait.in/blog/insurance-agency-management-software.php</loc><lastmod>2026-06-05</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://apnait.in/blog/insurance-agent-income-guide.php</loc><lastmod>2026-06-05</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://apnait.in/blog/insurance-agent-referral-program.php</loc><lastmod>2026-06-05</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://apnait.in/blog/insurance-agent-software-india.php</loc><lastmod>2026-06-05</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://apnait.in/blog/insurance-branch-management-software.php</loc><lastmod>2026-06-05</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://apnait.in/blog/insurance-business-reports-guide.php</loc><lastmod>2026-06-05</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://apnait.in/blog/insurance-client-database-system.php</loc><lastmod>2026-06-05</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://apnait.in/blog/insurance-client-management-software.php</loc><lastmod>2026-06-05</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://apnait.in/blog/insurance-commission-calculator-guide.php</loc><lastmod>2026-06-05</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://apnait.in/blog/insurance-commission-tracking-software.php</loc><lastmod>2026-06-05</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://apnait.in/blog/insurance-document-management-software.php</loc><lastmod>2026-06-05</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://apnait.in/blog/insurance-follow-up-management-software.php</loc><lastmod>2026-06-05</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://apnait.in/blog/insurance-lead-management-software.php</loc><lastmod>2026-06-05</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://apnait.in/blog/insurance-policy-management-software.php</loc><lastmod>2026-06-05</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://apnait.in/blog/insurance-renewal-reminder-software.php</loc><lastmod>2026-06-05</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://apnait.in/blog/insurance-staff-management-software.php</loc><lastmod>2026-06-05</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://apnait.in/blog/insurance-sub-agent-management-system.php</loc><lastmod>2026-06-05</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://apnait.in/blog/lic-agent-crm-software.php</loc><lastmod>2026-06-05</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://apnait.in/blog/motor-insurance-agent-app.php</loc><lastmod>2026-06-05</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://apnait.in/blog/motor-insurance-agent-tips.php</loc><lastmod>2026-06-05</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://apnait.in/blog/motor-insurance-claim-settlement-process-india.php</loc><lastmod>2026-06-05</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://apnait.in/blog/motor-insurance-management-software.php</loc><lastmod>2026-06-05</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://apnait.in/blog/never-miss-policy-renewal.php</loc><lastmod>2026-06-05</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://apnait.in/blog/posp-agent-software-guide.php</loc><lastmod>2026-06-05</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://apnait.in/blog/posp-vs-agent-vs-broker-india.php</loc><lastmod>2026-06-05</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://apnait.in/blog/rc-challan-check-guide.php</loc><lastmod>2026-06-05</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://apnait.in/blog/rto-consultant-vehicle-service-software.php</loc><lastmod>2026-06-05</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://apnait.in/blog/vehicle-insurance-renewal-rc-tracking-software.php</loc><lastmod>2026-06-05</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://apnait.in/blog/vehicle-insurance-rto-management-system.php</loc><lastmod>2026-06-05</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://apnait.in/blog/whatsapp-renewal-reminders.php</loc><lastmod>2026-06-05</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>

</urlset>
