<?xml version="1.0" encoding="UTF-8" standalone="no"?><xbrli:xbrl xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:in-capmkt="https://www.sebi.gov.in/xbrl/2024-04-30/in-capmkt" xmlns:in-capmkt-ent="https://www.sebi.gov.in/xbrl/Announcement_For_Agreements/2024-04-30/in-capmkt/in-capmkt-ent" xmlns:in-capmkt-roles="https://www.sebi.gov.in/xbrl/Announcement_For_Agreements/2024-04-30/in-capmkt-roles" xmlns:in-capmkt-type="https://www.sebi.gov.in/xbrl/2024-04-30/in-capmkt-types" xmlns:iso4217="http://www.xbrl.org/2003/iso4217" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:negated="http://www.xbrl.org/2009/role/negated" xmlns:net="http://www.xbrl.org/2009/role/net" xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric" xmlns:num="http://www.xbrl.org/dtr/type/numeric" xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:xl="http://www.xbrl.org/2003/XLink" xmlns:xlink="http://www.w3.org/1999/xlink"><link:schemaRef xlink:href="in-capmkt-ent-2024-04-30.xsd" xlink:type="simple"/><xbrli:context id="MainD"><xbrli:entity><xbrli:identifier scheme="https://www.sebi.gov.in/in-capmkt/ScripCode">544174</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2025-09-03</xbrli:startDate><xbrli:endDate>2025-09-03</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="MainI"><xbrli:entity><xbrli:identifier scheme="https://www.sebi.gov.in/in-capmkt/ScripCode">544174</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2025-09-03</xbrli:instant></xbrli:period></xbrli:context><in-capmkt:NameOfTheCompany contextRef="MainI">TBO Tek Limited</in-capmkt:NameOfTheCompany><in-capmkt:NSESymbol contextRef="MainI">TBOTEK</in-capmkt:NSESymbol><in-capmkt:TypeOfAnnouncement contextRef="MainI">New</in-capmkt:TypeOfAnnouncement><in-capmkt:TypeOfAgreement contextRef="MainI">Others</in-capmkt:TypeOfAgreement><in-capmkt:DetailsOfOtherTypeOfAnnouncement contextRef="MainI">Loan Agreement</in-capmkt:DetailsOfOtherTypeOfAnnouncement><in-capmkt:StageOfAgreement contextRef="MainI">Others</in-capmkt:StageOfAgreement><in-capmkt:DetailsOfOtherStageOfAgreement contextRef="MainI">Board approval</in-capmkt:DetailsOfOtherStageOfAgreement><in-capmkt:AgreementsEnteredIntoBy contextRef="MainD">Listed Entity,Related Parties of the listed entity</in-capmkt:AgreementsEnteredIntoBy><in-capmkt:WhetherEventOrInformationDisclosedIsAnOutcomeOfBoardMeeting contextRef="MainD">true</in-capmkt:WhetherEventOrInformationDisclosedIsAnOutcomeOfBoardMeeting><in-capmkt:DateOfOccurrenceOfEvent contextRef="MainI">2025-09-02</in-capmkt:DateOfOccurrenceOfEvent><in-capmkt:TimeOfOccurrenceOfEvent contextRef="MainD">21:02:00</in-capmkt:TimeOfOccurrenceOfEvent><in-capmkt:WhetherTheListedEntityIsPartyToTheAgreement contextRef="MainD">true</in-capmkt:WhetherTheListedEntityIsPartyToTheAgreement><in-capmkt:RemarksForWebsiteDissemination contextRef="MainI">The date and time of occurrence of event refers to the date Board meeting. &lt;BR&gt; 
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</in-capmkt:RemarksForWebsiteDissemination><in-capmkt:DateOfReport contextRef="MainI">2025-09-03</in-capmkt:DateOfReport><in-capmkt:DetailsOfOtherStageOfTheAgreement contextRef="MainI">Board approval</in-capmkt:DetailsOfOtherStageOfTheAgreement><in-capmkt:DateOfInitialDisclosureOfTheExecutionOfTheAgreementToTheStockExchangeForOtherStageOfTheAgreement contextRef="MainI">2025-09-02</in-capmkt:DateOfInitialDisclosureOfTheExecutionOfTheAgreementToTheStockExchangeForOtherStageOfTheAgreement><in-capmkt:BriefSummaryOfAnyOtherDisclosureForOtherStageOfTheAgreement contextRef="MainI">The intimation is being filed for the loan agreement between TBO Tek Limited and Tek Travels DMCC, material subsidiary, for an amount upto INR 350,00,00,000. Tenure is to up to 5 years, repayable on demand. Rate of interest will be determined on arm’s length basis.The loan is proposed to be extended to support the acquisition of Classic Vacations LLC by TBO LLC, a wholly owned step-down subsidiary, in line with the overall business strategy of the group and shall be utilised by Tek Travels DMCC accordingly.</in-capmkt:BriefSummaryOfAnyOtherDisclosureForOtherStageOfTheAgreement><in-capmkt:DetailsOfReasonAndImpactForOtherStageOfTheAgreement contextRef="MainI">Not Applicable</in-capmkt:DetailsOfReasonAndImpactForOtherStageOfTheAgreement><in-capmkt:RemarksForWebsiteDisseminationForOtherStageOfTheAgreement contextRef="MainI">The date of inital disclosure of the execution of agreement to the stock exchanges refers to the date of Board meeting.</in-capmkt:RemarksForWebsiteDisseminationForOtherStageOfTheAgreement></xbrli:xbrl>