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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/ScripCode">532628</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2026-08-18</xbrli:startDate><xbrli:endDate>2026-08-18</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="MainI"><xbrli:entity><xbrli:identifier scheme="https://www.sebi.gov.in/in-capmkt/ScripCode">532628</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2026-08-18</xbrli:instant></xbrli:period></xbrli:context><in-capmkt:NameOfTheCompany contextRef="MainI">3i Infotech Limited</in-capmkt:NameOfTheCompany><in-capmkt:NSESymbol contextRef="MainI">3IINFOLTD</in-capmkt:NSESymbol><in-capmkt:WhetherDisclosureFiledForListedCompany contextRef="MainI">true</in-capmkt:WhetherDisclosureFiledForListedCompany><in-capmkt:PlaceOfOccurrenceOfEvent contextRef="MainI">Navi Mumbai</in-capmkt:PlaceOfOccurrenceOfEvent><in-capmkt:TimeOfOccurrenceOfEvent contextRef="MainD">23:00:00</in-capmkt:TimeOfOccurrenceOfEvent><in-capmkt:TypeOfAnnouncement contextRef="MainI">Update</in-capmkt:TypeOfAnnouncement><in-capmkt:DateOfInitialAnnouncement contextRef="MainI">2026-02-04</in-capmkt:DateOfInitialAnnouncement><in-capmkt:DateOfLatestAnnouncement contextRef="MainI">2026-08-18</in-capmkt:DateOfLatestAnnouncement><in-capmkt:TypeOfEventOfFraudOrDefaults contextRef="MainI">Subsequent Disclosure</in-capmkt:TypeOfEventOfFraudOrDefaults><in-capmkt:TypeOfDisclosureInRelationToEventOfFraudOrDefaults contextRef="MainI">Fraud</in-capmkt:TypeOfDisclosureInRelationToEventOfFraudOrDefaults><in-capmkt:CategoryOfEntityForWhichDisclosureIsFiledForFraudOrDefaults contextRef="MainI">Others</in-capmkt:CategoryOfEntityForWhichDisclosureIsFiledForFraudOrDefaults><in-capmkt:DetailsOfOtherCategoryOfEntityForWhichDisclosureIsFiledForFraudOrDefaults contextRef="MainI">Former Managing Director and Chief Executive Officer of the Company</in-capmkt:DetailsOfOtherCategoryOfEntityForWhichDisclosureIsFiledForFraudOrDefaults><in-capmkt:DateOfReport contextRef="MainI">2026-08-18</in-capmkt:DateOfReport><in-capmkt:ActualAmountInvolvedInFraudOrDefaultOrArrestWasUnearthingOrOccurred contextRef="MainI">More than Rupees 128 crores (Rupees One Hundred Twenty-Eight crores only) plus interest and damages as may be determined by relevant legal authorities</in-capmkt:ActualAmountInvolvedInFraudOrDefaultOrArrestWasUnearthingOrOccurred><in-capmkt:ActualImpactOfFraudOrDefaultOrArrestWasUnearthingOrOccurredOnTheListedEntity contextRef="MainI">yet to be ascertained</in-capmkt:ActualImpactOfFraudOrDefaultOrArrestWasUnearthingOrOccurredOnTheListedEntity><in-capmkt:CorrectiveMeasuresTakenByTheListedEntityOnAccountOfSuchFraudOrDefaultsOrArrest contextRef="MainI">The Company is in process of obtaining legal opinion on this matter for evaluating and deciding next course of action in this regard.</in-capmkt:CorrectiveMeasuresTakenByTheListedEntityOnAccountOfSuchFraudOrDefaultsOrArrest></xbrli:xbrl>
