<?xml version="1.0" encoding="UTF-8"?>
<!--ANNAgreement V1.0 (10-04-2026)-->
<xbrli:xbrl 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: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/2024-04-30/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-2024-04-30.xsd"/><xbrli:context id="MainD"><xbrli:entity><xbrli:identifier scheme="https://www.sebi.gov.in/in-capmkt/NSESymbol">JSLL</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2026-06-16</xbrli:startDate><xbrli:endDate>2026-06-16</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="MainI"><xbrli:entity><xbrli:identifier scheme="https://www.sebi.gov.in/in-capmkt/NSESymbol">JSLL</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2026-06-16</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="D_PartiesOfTheAgreement1"><xbrli:entity><xbrli:identifier scheme="https://www.sebi.gov.in/in-capmkt/NSESymbol">JSLL</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2026-06-16</xbrli:startDate><xbrli:endDate>2026-06-16</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:typedMember dimension="in-capmkt:PartiesOfTheAgreementAxis"><in-capmkt:PartiesOfTheAgreementDomain>PartiesOfTheAgreementDomain1</in-capmkt:PartiesOfTheAgreementDomain></xbrldi:typedMember></xbrli:scenario></xbrli:context><xbrli:context id="I_PartiesOfTheAgreement1"><xbrli:entity><xbrli:identifier scheme="https://www.sebi.gov.in/in-capmkt/NSESymbol">JSLL</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2026-06-16</xbrli:instant></xbrli:period><xbrli:scenario><xbrldi:typedMember dimension="in-capmkt:PartiesOfTheAgreementAxis"><in-capmkt:PartiesOfTheAgreementDomain>PartiesOfTheAgreementDomain1</in-capmkt:PartiesOfTheAgreementDomain></xbrldi:typedMember></xbrli:scenario></xbrli:context><xbrli:unit id="pure"><xbrli:measure>xbrli:pure</xbrli:measure></xbrli:unit><in-capmkt:NSESymbol contextRef="MainI">JSLL</in-capmkt:NSESymbol><in-capmkt:NameOfTheCompany contextRef="MainI">Jeena Sikho Lifecare Limited</in-capmkt:NameOfTheCompany><in-capmkt:TypeOfAnnouncement contextRef="MainI">New</in-capmkt:TypeOfAnnouncement><in-capmkt:TypeOfAgreement contextRef="MainI">Others</in-capmkt:TypeOfAgreement><in-capmkt:DetailsOfOtherTypeOfAnnouncement contextRef="MainI">Memorandum of Understanding cum Research Facility Usage Agreement</in-capmkt:DetailsOfOtherTypeOfAnnouncement><in-capmkt:StageOfAgreement contextRef="MainI">Execution of agreement</in-capmkt:StageOfAgreement><in-capmkt:AgreementsEnteredIntoBy contextRef="MainD">Listed Entity</in-capmkt:AgreementsEnteredIntoBy><in-capmkt:WhetherEventOrInformationDisclosedIsAnOutcomeOfBoardMeeting contextRef="MainD">false</in-capmkt:WhetherEventOrInformationDisclosedIsAnOutcomeOfBoardMeeting><in-capmkt:DateOfOccurrenceOfEvent contextRef="MainI">2026-06-15</in-capmkt:DateOfOccurrenceOfEvent><in-capmkt:TimeOfOccurrenceOfEvent contextRef="MainD">16:25:00</in-capmkt:TimeOfOccurrenceOfEvent><in-capmkt:WhetherTheListedEntityIsPartyToTheAgreement contextRef="MainD">true</in-capmkt:WhetherTheListedEntityIsPartyToTheAgreement><in-capmkt:RemarksForWebsiteDissemination contextRef="MainI">The aforesaid agreement was executed on June 12, 2026. The Company received complete information and documentation pertaining to the execution of the agreement on June 15, 2026, and is making the present disclosure immediately upon receipt of such information. &lt;BR&gt; 
 &lt;BR&gt; 
Details of consideration paid/received or to be paid/received in the agreement: No rent, lease rent, licence fee, occupation charges or similar monetary consideration is payable by the Company for use of the premises. The Company shall bear operational expenses, maintenance expenses and utility charges attributable to its activities.</in-capmkt:RemarksForWebsiteDissemination><in-capmkt:DateOfReport contextRef="MainI">2026-06-16</in-capmkt:DateOfReport><in-capmkt:DetailsOfExecutionOfAgreement contextRef="MainI">Memorandum of Understanding cum Research Facility Usage Agreement executed between Jeena Sikho Lifecare Limited and Mr. Rakesh Sharma and Mrs. Neerja Rakesh Sharma to establish, operate and develop a Research Institute, Knowledge Centre, Innovation Centre, Academic Centre, Training Centre, Documentation Centre, Research Laboratory and other allied research, healthcare, education, innovation and public welfare activities from the premises situated at First Floor, Commercial Property No. 138, Sector 40-C, Chandigarh.</in-capmkt:DetailsOfExecutionOfAgreement><in-capmkt:WhetherProposedOrExecutedAgreementIsInNormalCourseOfBusiness contextRef="MainI">true</in-capmkt:WhetherProposedOrExecutedAgreementIsInNormalCourseOfBusiness><in-capmkt:ImpactOfAgreementOnManagementAndControlOfTheListedEntity contextRef="MainI">Not Applicable</in-capmkt:ImpactOfAgreementOnManagementAndControlOfTheListedEntity><in-capmkt:NumberOfPartiesToTheAgreement contextRef="MainI" unitRef="pure" decimals="0">1</in-capmkt:NumberOfPartiesToTheAgreement><in-capmkt:NameOfPartiesOrCounterPartiesOfTheAgreement contextRef="D_PartiesOfTheAgreement1">Rakesh Sharma and Neerja Rakesh Sharma</in-capmkt:NameOfPartiesOrCounterPartiesOfTheAgreement><in-capmkt:NatureOfThePartiesOfTheAgreement contextRef="I_PartiesOfTheAgreement1">Party entering into the agreement</in-capmkt:NatureOfThePartiesOfTheAgreement><in-capmkt:DetailsOfShareholdingInTheEntityWithWhomTheAgreementIsExecuted contextRef="I_PartiesOfTheAgreement1">Not Applicable</in-capmkt:DetailsOfShareholdingInTheEntityWithWhomTheAgreementIsExecuted><in-capmkt:WhetherThePartiesToTheAgreementAreRelatedToPromoterOrPromoterGroupOrAssociateOrHoldingOrSubsidiaryOrGroupCompaniesOrDirectorOrKMPAndItsRelativesInAnyManner contextRef="I_PartiesOfTheAgreement1">false</in-capmkt:WhetherThePartiesToTheAgreementAreRelatedToPromoterOrPromoterGroupOrAssociateOrHoldingOrSubsidiaryOrGroupCompaniesOrDirectorOrKMPAndItsRelativesInAnyManner><in-capmkt:DateOnWhichAgreementWasEntered contextRef="MainI">2026-06-12</in-capmkt:DateOnWhichAgreementWasEntered><in-capmkt:PurposeOfEnteringIntoTheAgreement contextRef="MainI">To establish, operate and develop a Research Institute, Knowledge Centre, Innovation Centre, Academic Centre, Training Centre, Documentation Centre, Research Laboratory and other allied research, healthcare, education, innovation and public welfare activities from the premises situated at First Floor, Commercial Property No. 138, Sector 40-C, Chandigarh.</in-capmkt:PurposeOfEnteringIntoTheAgreement><in-capmkt:SignificantTermsOfTheAgreementInBriefSpecialRightsLikeRightToAppointDirectorsOrFirstRightToShareSubscriptionInCaseOfIssuanceOfSharesOrRightToRestrictAnyChangeInCapitalStructure contextRef="MainI">(a) The Facility Providers have granted permission to the Company to utilize the premises for research, innovation, academic, training and allied activities.
(b) No rent, lease rent, licence fee, occupancy charges or similar consideration shall be payable by the Company for use of the premises.
(c) The Agreement is valid for an initial period of five years commencing from June 15, 2026 and ending on June 14, 2031.
(d) The Company shall have operational freedom to conduct its activities and may undertake renovations, installations and infrastructure development at its own cost, subject to applicable approvals.
(e) Either party may terminate the Agreement by giving three months' prior written notice.</in-capmkt:SignificantTermsOfTheAgreementInBriefSpecialRightsLikeRightToAppointDirectorsOrFirstRightToShareSubscriptionInCaseOfIssuanceOfSharesOrRightToRestrictAnyChangeInCapitalStructure><in-capmkt:WhetherThereIsAnyIssuanceOrTransferOfSharesToTheParties contextRef="MainI">false</in-capmkt:WhetherThereIsAnyIssuanceOrTransferOfSharesToTheParties><in-capmkt:DetailsAndQuantificationOfTheRestrictionOrLiabilityImposedUponTheListedEntity contextRef="MainD">Not applicable</in-capmkt:DetailsAndQuantificationOfTheRestrictionOrLiabilityImposedUponTheListedEntity><in-capmkt:RemarksForWebsiteDisseminationForExecutionAgreements contextRef="MainI">The aforesaid agreement was executed on June 12, 2026. The Company received complete information and documentation pertaining to the execution of the agreement on June 15, 2026, and is making the present disclosure immediately upon receipt of such information. &lt;BR&gt; 
 &lt;BR&gt; 
Details of consideration paid/received or to be paid/received in the agreement: No rent, lease rent, licence fee, occupation charges or similar monetary consideration is payable by the Company for use of the premises. The Company shall bear operational expenses, maintenance expenses and utility charges attributable to its activities.</in-capmkt:RemarksForWebsiteDisseminationForExecutionAgreements></xbrli:xbrl>
