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  <!-- 1. Home / Prime Minister Disaster Relief Fund Guide -->
  <url>
    <loc>https://pmdrf.prabe.sh/</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>daily</changefreq>
    <priority>1.0</priority>
    <image:image>
      <image:loc>https://pmdrf.prabe.sh/assets/images/hero/RasuwaBhotekoshiTrishuliFloodNPL11787802079-1787889279.jpg</image:loc>
      <image:title>Nepal Flood Relief and Disaster Recovery</image:title>
      <image:caption>Support flood-affected families through Nepal's Prime Minister Disaster Relief Fund (PMDRF)</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://pmdrf.prabe.sh/assets/images/emblem_nepal.png</image:loc>
      <image:title>National Emblem of Nepal</image:title>
      <image:caption>Government of Nepal - Office of the Prime Minister and Council of Ministers, Singhadurbar, Kathmandu</image:caption>
    </image:image>
  </url>

  <!-- 2. Mechanism 1: Card Payment Gateways (Himalayan Bank, NCHL GetPay, Nabil Bank) -->
  <url>
    <loc>https://pmdrf.prabe.sh/pay-online</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.9</priority>
    <image:image>
      <image:loc>https://pmdrf.prabe.sh/assets/images/hbl_logo.jpg</image:loc>
      <image:title>Himalayan Bank Payment Gateway (pmrelieffund.himalayanbank.com)</image:title>
      <image:caption>Licensed card gateway supporting Visa, Mastercard, AMEX, Discover, Diners Club, JCB, and UnionPay with 3D Secure</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://pmdrf.prabe.sh/assets/images/nchl_logo.png</image:loc>
      <image:title>NCHL GetPay Online Portal (pmdrf.nchl.com.np)</image:title>
      <image:caption>Official Nepal Clearing House online payment gateway for PMDRF supporting Visa and Mastercard</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://pmdrf.prabe.sh/assets/images/nabil_logo.png</image:loc>
      <image:title>Nabil Bank nRemit Donation Portal via nRemit Gateway (nbankbynabil.nabilbank.com)</image:title>
      <image:caption>Official Nabil Bank online donation service for Visa, Mastercard, and UnionPay</image:caption>
    </image:image>
  </url>

  <!-- 3. Mechanisms 2 & 3: Domestic QR Codes, UPI-India & Alipay+ (All 10 Class-A Banks) -->
  <url>
    <loc>https://pmdrf.prabe.sh/qr-payments</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.9</priority>
    <image:image>
      <image:loc>https://pmdrf.prabe.sh/assets/qr/fonepay_nabil.jpg</image:loc>
      <image:title>Nabil Bank Fonepay QR Standee (A/C: 1710017505285)</image:title>
      <image:caption>Official Fonepay QR code for Prime Minister Disaster Relief Fund - Terminal 2222040021637156</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://pmdrf.prabe.sh/assets/qr/fonepay_himalayan.jpg</image:loc>
      <image:title>Himalayan Bank Fonepay QR Standee (A/C: 12005631210039)</image:title>
      <image:caption>Official Himalayan Bank Fonepay QR code for Prime Minister Disaster Relief Fund - SWIFT: HIMANPKA</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://pmdrf.prabe.sh/assets/qr/fonepay_global_ime.jpg</image:loc>
      <image:title>Global IME Bank Fonepay QR Standee (A/C: 00401010000057)</image:title>
      <image:caption>Official Global IME Bank Fonepay QR code for Prime Minister Disaster Relief Fund - SWIFT: GLBBNPKA</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://pmdrf.prabe.sh/assets/qr/fonepay_rastriya_banijya.jpg</image:loc>
      <image:title>Rastriya Banijya Bank Fonepay QR Standee (A/C: 1130100003762001)</image:title>
      <image:caption>Official Rastriya Banijya Bank Fonepay QR code for Prime Minister Disaster Relief Fund - Singha Durbar Branch</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://pmdrf.prabe.sh/assets/qr/fonepay_nepal_bank.jpg</image:loc>
      <image:title>Nepal Bank Limited Fonepay QR Standee (A/C: 00200100510039000001)</image:title>
      <image:caption>Official Nepal Bank Limited Fonepay QR code for Prime Minister Disaster Relief Fund - Kathmandu Banking Office</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://pmdrf.prabe.sh/assets/qr/fonepay_everest.jpg</image:loc>
      <image:title>Everest Bank Fonepay QR Standee (A/C: 00100105200270)</image:title>
      <image:caption>Official Everest Bank Fonepay QR code for Prime Minister Disaster Relief Fund - SWIFT: EVBLNPKA (PNB India Partner)</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://pmdrf.prabe.sh/assets/qr/fonepay_adbl.jpg</image:loc>
      <image:title>Agriculture Development Bank Fonepay QR Standee (A/C: 0100201002907014)</image:title>
      <image:caption>Official ADBL Fonepay QR code for Prime Minister Disaster Relief Fund - SWIFT: ADBLNPKA</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://pmdrf.prabe.sh/assets/qr/fonepay_laxmi_sunrise.jpg</image:loc>
      <image:title>Laxmi Sunrise Bank Fonepay QR Standee (A/C: 1628885410110925)</image:title>
      <image:caption>Official Laxmi Sunrise Bank Fonepay QR code for Prime Minister Disaster Relief Fund - SWIFT: LXSRNPKA</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://pmdrf.prabe.sh/assets/qr/nqr_hbl.png</image:loc>
      <image:title>Himalayan Bank NepalQR Standee (A/C: 12005631210039)</image:title>
      <image:caption>Official Himalayan Bank NepalPay QR code for Prime Minister Disaster Relief Fund</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://pmdrf.prabe.sh/assets/qr/nqr_laxmisunrise.png</image:loc>
      <image:title>Laxmi Sunrise Bank NepalQR Standee (A/C: 1628885410110925)</image:title>
      <image:caption>Official Laxmi Sunrise Bank NepalPay QR code for Prime Minister Disaster Relief Fund</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://pmdrf.prabe.sh/assets/qr/scb_nepalpay.png</image:loc>
      <image:title>Standard Chartered Bank NepalPay QR Standee (A/C: 01013243801)</image:title>
      <image:caption>Official Standard Chartered Bank NepalPay QR code for Prime Minister Disaster Relief Fund - SWIFT: SCBLNPKA</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://pmdrf.prabe.sh/assets/qr/nchl_upi_fonepay.jpg</image:loc>
      <image:title>NCHL Cross-Border UPI and Alipay+ Standee</image:title>
      <image:caption>Cross-border QR interoperable with UPI-India (Google Pay, PhonePe, Paytm, BHIM), Alipay+, and 12 partner wallets</image:caption>
    </image:image>
  </url>

  <!-- 4. Mechanism 4: Fund Transfer through SWIFT Worldwide (NRB Circular Designated Accounts) -->
  <url>
    <loc>https://pmdrf.prabe.sh/bank-transfer</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- 5. Mechanism 5: Remittance Channels (GME, Remitly, Wise, TapTapSend, Western Union) -->
  <url>
    <loc>https://pmdrf.prabe.sh/remittance-apps</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- 6. Official Government Notice: Office of the Prime Minister and Council of Ministers (PMO) -->
  <url>
    <loc>https://pmdrf.prabe.sh/assets/PMO_Notice_Final_27_08_2026.pdf</loc>
    <lastmod>2026-08-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- 7. Official Regulatory Circular: Nepal Rastra Bank (NRB) Banking Department -->
  <url>
    <loc>https://pmdrf.prabe.sh/assets/NRB_Circular_PMDRF.pdf</loc>
    <lastmod>2026-08-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
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