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<xbrli:xbrl xmlns:in-capmkt="https://www.sebi.gov.in/xbrl/2024-02-29/in-capmkt" xmlns:in-capmkt-ent="https://www.sebi.gov.in/xbrl/Announcement_For_Fraud_Or_Default/2024-02-29/in-capmkt/in-capmkt-ent" xmlns:in-capmkt-roles="https://www.sebi.gov.in/xbrl/Announcement_For_Fraud_Or_Default/2024-02-29/in-capmkt-roles" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric" xmlns:in-capmkt-type="https://www.sebi.gov.in/xbrl/2024-02-29/in-capmkt-types" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:net="http://www.xbrl.org/2009/role/net" xmlns:num="http://www.xbrl.org/dtr/type/numeric" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:iso4217="http://www.xbrl.org/2003/iso4217" xmlns:negated="http://www.xbrl.org/2009/role/negated" xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xl="http://www.xbrl.org/2003/XLink"><link:schemaRef xlink:type="simple" xlink:href="in-capmkt-ent-2024-02-29.xsd"/><xbrli:context id="MainD"><xbrli:entity><xbrli:identifier scheme="https://www.sebi.gov.in/in-capmkt/NSESymbol">BANKINDIA</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2026-10-12</xbrli:startDate><xbrli:endDate>2026-10-12</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="MainI"><xbrli:entity><xbrli:identifier scheme="https://www.sebi.gov.in/in-capmkt/NSESymbol">BANKINDIA</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2026-10-12</xbrli:instant></xbrli:period></xbrli:context><in-capmkt:NSESymbol contextRef="MainI">BANKINDIA</in-capmkt:NSESymbol><in-capmkt:NameOfTheCompany contextRef="MainI">Bank Of India</in-capmkt:NameOfTheCompany><in-capmkt:WhetherDisclosureFiledForListedCompany contextRef="MainI">true</in-capmkt:WhetherDisclosureFiledForListedCompany><in-capmkt:PlaceOfOccurrenceOfEvent contextRef="MainI">MUMBAI</in-capmkt:PlaceOfOccurrenceOfEvent><in-capmkt:TimeOfOccurrenceOfEvent contextRef="MainD">18:00:00</in-capmkt:TimeOfOccurrenceOfEvent><in-capmkt:TypeOfAnnouncement contextRef="MainI">New</in-capmkt:TypeOfAnnouncement><in-capmkt:TypeOfEventOfFraudOrDefaults contextRef="MainI">Initial Disclosure</in-capmkt:TypeOfEventOfFraudOrDefaults><in-capmkt:TypeOfDisclosureInRelationToEventOfFraudOrDefaults contextRef="MainI">Fraud</in-capmkt:TypeOfDisclosureInRelationToEventOfFraudOrDefaults><in-capmkt:CategoryOfEntityForWhichDisclosureIsFiledForFraudOrDefaults contextRef="MainI">Listed entity</in-capmkt:CategoryOfEntityForWhichDisclosureIsFiledForFraudOrDefaults><in-capmkt:RemarksForWebsiteDissemination contextRef="MainI">Disclosure under Regulation 30 of SEBI(LODR) Regulations,2015.</in-capmkt:RemarksForWebsiteDissemination><in-capmkt:DateOfReport contextRef="MainI">2026-10-12</in-capmkt:DateOfReport><in-capmkt:NatureOfFraudOrDefaultOrArrest contextRef="MainI">CHEATING AND FROGERY</in-capmkt:NatureOfFraudOrDefaultOrArrest><in-capmkt:EstimatedImpactOfFraudOrDefaultOrArrestWasUnearthingOrOccurredOnTheListedEntity contextRef="MainI">575.40 Crore</in-capmkt:EstimatedImpactOfFraudOrDefaultOrArrestWasUnearthingOrOccurredOnTheListedEntity><in-capmkt:DateOfWhenTheFraudOrDefaultOrArrestWasUnearthingOrOccurred contextRef="MainI">2026-10-12</in-capmkt:DateOfWhenTheFraudOrDefaultOrArrestWasUnearthingOrOccurred><in-capmkt:TimeOfWhenTheFraudOrDefaultOrArrestWasUnearthingOrOccurred contextRef="MainD">18:00:00</in-capmkt:TimeOfWhenTheFraudOrDefaultOrArrestWasUnearthingOrOccurred><in-capmkt:NumberOfPersonsInvolvedInFraudOrDefaultOrArrestWasUnearthingOrOccurred contextRef="MainI">3</in-capmkt:NumberOfPersonsInvolvedInFraudOrDefaultOrArrestWasUnearthingOrOccurred><in-capmkt:NameOfPersonsInvolvedInFraudOrDefaultOrArrestWasUnearthingOrOccurred contextRef="MainI">Future Enterprises Ltd and two of its directors Mr Vijay Llakshminarayan Biyani and Mr Kishore Lakshminarayan Biyani</in-capmkt:NameOfPersonsInvolvedInFraudOrDefaultOrArrestWasUnearthingOrOccurred><in-capmkt:EstimatedAmountInvolvedInFraudOrDefaultOrArrestWasUnearthingOrOccurred contextRef="MainI">575.40 Crore</in-capmkt:EstimatedAmountInvolvedInFraudOrDefaultOrArrestWasUnearthingOrOccurred><in-capmkt:NameAndDetailsOfAppropriateAuthoritiesToWhomTheFraudOrDefaultOrArrestHasBeenReported contextRef="MainI">RBI</in-capmkt:NameAndDetailsOfAppropriateAuthoritiesToWhomTheFraudOrDefaultOrArrestHasBeenReported><in-capmkt:OtherDisclosureWithRespectToComplianceOfAnySEBIActOrRegulationOrCircularOrProvisionForInitialDisclosureOfFraudOrDefaultOrArrest contextRef="MainI">Disclosure under Regulation 30 of SEBI(LODR) Regulations,2015.</in-capmkt:OtherDisclosureWithRespectToComplianceOfAnySEBIActOrRegulationOrCircularOrProvisionForInitialDisclosureOfFraudOrDefaultOrArrest><in-capmkt:RemarksForWebsiteDisseminationForFraudOrDefaultOrArrestWasUnearthingOrOccurredRelatingToInitialDisclosure contextRef="MainI">Disclosure under Regulation 30 of SEBI(LODR) Regulations,2015.</in-capmkt:RemarksForWebsiteDisseminationForFraudOrDefaultOrArrestWasUnearthingOrOccurredRelatingToInitialDisclosure></xbrli:xbrl>
