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<link:schemaRef xlink:type="simple" xlink:href="banking_entry_point_2019-09-30.xsd"/>
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<xbrli:context id="FourOperatingExpenses01D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">DHANBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2023-07-01</xbrli:startDate><xbrli:endDate>2023-09-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:DetailsOfOtherOperatingExpensesAxis">in-bse-fin:FourOperatingExpenses01Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneI"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">DHANBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2023-09-30</xbrli:instant></xbrli:period></xbrli:context>
<xbrli:context id="OneReportableSegmentRevenue01D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">DHANBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2023-07-01</xbrli:startDate><xbrli:endDate>2023-09-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:ReportableSegmentsAxis">in-bse-fin:OneReportableSegmentRevenue01Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
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<xbrli:context id="OneReportableSegmentRevenue03D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">DHANBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2023-07-01</xbrli:startDate><xbrli:endDate>2023-09-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:ReportableSegmentsAxis">in-bse-fin:OneReportableSegmentRevenue03Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="FourReportableSegmentRevenue01D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">DHANBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2023-07-01</xbrli:startDate><xbrli:endDate>2023-09-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:ReportableSegmentsAxis">in-bse-fin:FourReportableSegmentRevenue01Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="FourReportableSegmentRevenue02D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">DHANBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2023-07-01</xbrli:startDate><xbrli:endDate>2023-09-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:ReportableSegmentsAxis">in-bse-fin:FourReportableSegmentRevenue02Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="FourReportableSegmentRevenue03D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">DHANBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2023-07-01</xbrli:startDate><xbrli:endDate>2023-09-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:ReportableSegmentsAxis">in-bse-fin:FourReportableSegmentRevenue03Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableSegmentResults01D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">DHANBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2023-07-01</xbrli:startDate><xbrli:endDate>2023-09-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:ReportableSegmentsFinanceCostsAxis">in-bse-fin:OneReportableSegmentResults01Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableSegmentResults02D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">DHANBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2023-07-01</xbrli:startDate><xbrli:endDate>2023-09-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:ReportableSegmentsFinanceCostsAxis">in-bse-fin:OneReportableSegmentResults02Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableSegmentResults03D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">DHANBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2023-07-01</xbrli:startDate><xbrli:endDate>2023-09-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:ReportableSegmentsFinanceCostsAxis">in-bse-fin:OneReportableSegmentResults03Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="FourReportableSegmentResults01D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">DHANBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2023-07-01</xbrli:startDate><xbrli:endDate>2023-09-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:ReportableSegmentsFinanceCostsAxis">in-bse-fin:FourReportableSegmentResults01Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="FourReportableSegmentResults02D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">DHANBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2023-07-01</xbrli:startDate><xbrli:endDate>2023-09-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:ReportableSegmentsFinanceCostsAxis">in-bse-fin:FourReportableSegmentResults02Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="FourReportableSegmentResults03D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">DHANBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2023-07-01</xbrli:startDate><xbrli:endDate>2023-09-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:ReportableSegmentsFinanceCostsAxis">in-bse-fin:FourReportableSegmentResults03Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableSegmentAssets01D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">DHANBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2023-07-01</xbrli:startDate><xbrli:endDate>2023-09-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:ReportableSegmentAssetsAxis">in-bse-fin:OneReportableSegmentAssets01Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableSegmentAssets02D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">DHANBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2023-07-01</xbrli:startDate><xbrli:endDate>2023-09-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:ReportableSegmentAssetsAxis">in-bse-fin:OneReportableSegmentAssets02Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableSegmentAssets03D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">DHANBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2023-07-01</xbrli:startDate><xbrli:endDate>2023-09-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:ReportableSegmentAssetsAxis">in-bse-fin:OneReportableSegmentAssets03Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="FourI"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">DHANBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2023-09-30</xbrli:instant></xbrli:period></xbrli:context>
<xbrli:context id="OneReportableSegmentLiabilities01D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">DHANBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2023-07-01</xbrli:startDate><xbrli:endDate>2023-09-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:ReportableSegmentLiabilitiesAxis">in-bse-fin:OneReportableSegmentLiabilities01Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableSegmentLiabilities01I"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">DHANBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2023-09-30</xbrli:instant></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:ReportableSegmentLiabilitiesAxis">in-bse-fin:OneReportableSegmentLiabilities01Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableSegmentLiabilities02D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">DHANBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2023-07-01</xbrli:startDate><xbrli:endDate>2023-09-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:ReportableSegmentLiabilitiesAxis">in-bse-fin:OneReportableSegmentLiabilities02Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableSegmentLiabilities02I"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">DHANBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2023-09-30</xbrli:instant></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:ReportableSegmentLiabilitiesAxis">in-bse-fin:OneReportableSegmentLiabilities02Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableSegmentLiabilities03D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">DHANBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2023-07-01</xbrli:startDate><xbrli:endDate>2023-09-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:ReportableSegmentLiabilitiesAxis">in-bse-fin:OneReportableSegmentLiabilities03Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableSegmentLiabilities03I"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">DHANBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2023-09-30</xbrli:instant></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:ReportableSegmentLiabilitiesAxis">in-bse-fin:OneReportableSegmentLiabilities03Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:unit id="INR"><xbrli:measure>iso4217:INR</xbrli:measure></xbrli:unit><xbrli:unit id="pure"><xbrli:measure>xbrli:pure</xbrli:measure></xbrli:unit><xbrli:unit id="shares"><xbrli:measure>xbrli:shares</xbrli:measure></xbrli:unit><xbrli:unit id="INRPerShare"><xbrli:divide><xbrli:unitNumerator><xbrli:measure>iso4217:INR</xbrli:measure></xbrli:unitNumerator><xbrli:unitDenominator><xbrli:measure>xbrli:shares</xbrli:measure></xbrli:unitDenominator></xbrli:divide></xbrli:unit>
<in-bse-fin:ScripCode contextRef="OneD">532180</in-bse-fin:ScripCode>
<in-bse-fin:Symbol contextRef="OneD">DHANBANK</in-bse-fin:Symbol>
<in-bse-fin:MSEISymbol contextRef="OneD">NOTLISTED</in-bse-fin:MSEISymbol>
<in-bse-fin:ISIN contextRef="OneD">INE680A01011</in-bse-fin:ISIN>
<in-bse-fin:NameOfBank contextRef="OneD">Dhanlaxmi Bank Limited</in-bse-fin:NameOfBank>
<in-bse-fin:ResultType contextRef="OneD">Banking Format</in-bse-fin:ResultType>
<in-bse-fin:ClassOfSecurity contextRef="OneD">Equity</in-bse-fin:ClassOfSecurity>
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<in-bse-fin:DateOfEndOfFinancialYear contextRef="OneD">2024-03-31</in-bse-fin:DateOfEndOfFinancialYear>
<in-bse-fin:DateOfBoardMeetingWhenFinancialResultsWereApproved contextRef="OneD">2023-11-09</in-bse-fin:DateOfBoardMeetingWhenFinancialResultsWereApproved>
<in-bse-fin:DateOnWhichPriorIntimationOfTheMeetingForConsideringFinancialResultsWasInformedToTheExchange contextRef="OneD">2023-11-01</in-bse-fin:DateOnWhichPriorIntimationOfTheMeetingForConsideringFinancialResultsWasInformedToTheExchange>
<in-bse-fin:DescriptionOfPresentationCurrency contextRef="OneD">INR</in-bse-fin:DescriptionOfPresentationCurrency>
<in-bse-fin:LevelOfRoundingUsedInFinancialStatements contextRef="OneD">Lakhs</in-bse-fin:LevelOfRoundingUsedInFinancialStatements>
<in-bse-fin:ReportingQuarter contextRef="OneD">Half yearly</in-bse-fin:ReportingQuarter>
<in-bse-fin:IsCompanyReportingMultisegmentOrSingleSegment contextRef="OneD">Multi segment</in-bse-fin:IsCompanyReportingMultisegmentOrSingleSegment>
<in-bse-fin:StartTimeOfBoardMeeting contextRef="OneD">16:30:00</in-bse-fin:StartTimeOfBoardMeeting>
<in-bse-fin:EndTimeOfBoardMeeting contextRef="OneD">17:15:00</in-bse-fin:EndTimeOfBoardMeeting>
<in-bse-fin:DateOfStartOfBoardMeeting contextRef="OneD">2023-11-09</in-bse-fin:DateOfStartOfBoardMeeting>
<in-bse-fin:DateOfEndOfBoardMeeting contextRef="OneD">2023-11-09</in-bse-fin:DateOfEndOfBoardMeeting>
<in-bse-fin:WhetherCashFlowStatementIsApplicableOnCompany contextRef="OneD">true</in-bse-fin:WhetherCashFlowStatementIsApplicableOnCompany>
<in-bse-fin:TypeOfCashFlowStatement contextRef="OneD">Cash Flow Indirect</in-bse-fin:TypeOfCashFlowStatement>
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<in-bse-fin:DateOfStartOfReportingPeriod contextRef="OneD">2023-07-01</in-bse-fin:DateOfStartOfReportingPeriod>
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<in-bse-fin:WhetherResultsAreAuditedOrUnaudited contextRef="OneD">Unaudited</in-bse-fin:WhetherResultsAreAuditedOrUnaudited>
<in-bse-fin:NatureOfReportStandaloneConsolidated contextRef="OneD">Standalone</in-bse-fin:NatureOfReportStandaloneConsolidated>
<in-bse-fin:InterestOrDiscountOnAdvancesOrBills contextRef="OneD" unitRef="INR" decimals="-5">2386200000.00</in-bse-fin:InterestOrDiscountOnAdvancesOrBills>
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<in-bse-fin:InterestEarned contextRef="OneD" unitRef="INR" decimals="-5">3039000000.00</in-bse-fin:InterestEarned>
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<in-bse-fin:Income contextRef="OneD" unitRef="INR" decimals="-5">3274300000.00</in-bse-fin:Income>
<in-bse-fin:InterestExpended contextRef="OneD" unitRef="INR" decimals="-5">1829400000.00</in-bse-fin:InterestExpended>
<in-bse-fin:EmployeesCost contextRef="OneD" unitRef="INR" decimals="-5">709900000.00</in-bse-fin:EmployeesCost>
<in-bse-fin:OtherOperatingExpenses contextRef="OneD" unitRef="INR" decimals="-5">499000000.00</in-bse-fin:OtherOperatingExpenses>
<in-bse-fin:OperatingExpenses contextRef="OneD" unitRef="INR" decimals="-5">1208900000.00</in-bse-fin:OperatingExpenses>
<in-bse-fin:ExpenditureExcludingProvisionsAndContingencies contextRef="OneD" unitRef="INR" decimals="-5">3038300000.00</in-bse-fin:ExpenditureExcludingProvisionsAndContingencies>
<in-bse-fin:OperatingProfitBeforeProvisionAndContingencies contextRef="OneD" unitRef="INR" decimals="-5">236000000.00</in-bse-fin:OperatingProfitBeforeProvisionAndContingencies>
<in-bse-fin:ProvisionsOtherThanTaxAndContingencies contextRef="OneD" unitRef="INR" decimals="-5">-28200000.00</in-bse-fin:ProvisionsOtherThanTaxAndContingencies>
<in-bse-fin:ExceptionalItems contextRef="OneD" unitRef="INR" decimals="-5">0.00</in-bse-fin:ExceptionalItems>
<in-bse-fin:ProfitLossFromOrdinaryActivitiesBeforeTax contextRef="OneD" unitRef="INR" decimals="-5">264200000.00</in-bse-fin:ProfitLossFromOrdinaryActivitiesBeforeTax>
<in-bse-fin:TaxExpense contextRef="OneD" unitRef="INR" decimals="-5">32600000.00</in-bse-fin:TaxExpense>
<in-bse-fin:ProfitLossFromOrdinaryActivitiesAfterTax contextRef="OneD" unitRef="INR" decimals="-5">231600000.00</in-bse-fin:ProfitLossFromOrdinaryActivitiesAfterTax>
<in-bse-fin:ExtraordinaryItems contextRef="OneD" unitRef="INR" decimals="-5">0.00</in-bse-fin:ExtraordinaryItems>
<in-bse-fin:ProfitLossForThePeriod contextRef="OneD" unitRef="INR" decimals="-5">231600000.00</in-bse-fin:ProfitLossForThePeriod>
<in-bse-fin:ProfitLossAfterTaxesMinorityInterestAndShareOfProfitLossOfAssociates contextRef="OneD" unitRef="INR" decimals="-5">231600000.00</in-bse-fin:ProfitLossAfterTaxesMinorityInterestAndShareOfProfitLossOfAssociates>
<in-bse-fin:PaidUpValueOfEquityShareCapital contextRef="OneD" unitRef="INR" decimals="-5">2530100000.00</in-bse-fin:PaidUpValueOfEquityShareCapital>
<in-bse-fin:FaceValueOfEquityShareCapital contextRef="OneD" unitRef="INRPerShare" decimals="INF">25301.00</in-bse-fin:FaceValueOfEquityShareCapital>
<in-bse-fin:PercentageOfShareHeldByGovernmentOfIndia contextRef="OneD" unitRef="pure" decimals="INF">0.00</in-bse-fin:PercentageOfShareHeldByGovernmentOfIndia>
<in-bse-fin:CET1Ratio contextRef="OneD" unitRef="pure" decimals="INF">0.1056</in-bse-fin:CET1Ratio>
<in-bse-fin:AdditionalTier1Ratio contextRef="OneD" unitRef="pure" decimals="INF">0.0167</in-bse-fin:AdditionalTier1Ratio>
<in-bse-fin:BasicEarningsPerShareBeforeExtraordinaryItems contextRef="OneD" unitRef="INRPerShare" decimals="INF">0.92</in-bse-fin:BasicEarningsPerShareBeforeExtraordinaryItems>
<in-bse-fin:DilutedEarningsPerShareBeforeExtraordinaryItems contextRef="OneD" unitRef="INRPerShare" decimals="INF">0.92</in-bse-fin:DilutedEarningsPerShareBeforeExtraordinaryItems>
<in-bse-fin:BasicEarningsPerShareAfterExtraordinaryItems contextRef="OneD" unitRef="INRPerShare" decimals="INF">0.92</in-bse-fin:BasicEarningsPerShareAfterExtraordinaryItems>
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<in-bse-fin:DateOfStartOfReportingPeriod contextRef="FourD">2023-04-01</in-bse-fin:DateOfStartOfReportingPeriod>
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<in-bse-fin:DisclosureOfNotesOnAssetsAndLiabilitiesExplanatoryTextBlock contextRef="OneD">2. The above unaudited financial results for the quarter and half year ended September 30, 2023, were reviewed by the Audit Committee and recommended for approval to and approved by the Board of Directors at its meeting held on November 9, 2023. These Results have been subjected to  Limited Review” by the Joint Statutory Central Auditors of the Bank, M/s Krishnamoorthy &amp; Krishnamoorthy, Chartered Accountants and M/s Sagar &amp; Associates, Chartered Accountants and an unqualified review report has been issued by them.</in-bse-fin:DisclosureOfNotesOnAssetsAndLiabilitiesExplanatoryTextBlock>
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<in-bse-fin:DescriptionOfReportableSegment contextRef="OneReportableSegmentResults01D" unitRef="INR" decimals="-5">Corporate/ Wholesale Banking</in-bse-fin:DescriptionOfReportableSegment>
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<in-bse-fin:DescriptionOfReportableSegment contextRef="FourReportableSegmentResults01D" unitRef="INR" decimals="-5">Corporate/ Wholesale Banking</in-bse-fin:DescriptionOfReportableSegment>
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<in-bse-fin:DescriptionOfReportableSegment contextRef="FourReportableSegmentResults02D" unitRef="INR" decimals="-5">Retail Banking</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentProfitLossBeforeTaxAndFinanceCosts contextRef="FourReportableSegmentResults02D" unitRef="INR" decimals="-5">467500000.00</in-bse-fin:SegmentProfitLossBeforeTaxAndFinanceCosts>
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<in-bse-fin:DisclosureOfNotesOnSegmentsExplanatoryTextBlock contextRef="OneD">Notes   1. Statement of Assets and Liabilities as on September 30, 2023.                                        (Rs. In Lakh)   Particulars 30.09.2023 30.09.2022 31.03.2023    Unaudited Unaudited Audited   Capital and Liabilities      Capital 25301 25301 25301   Reserves and Surplus 77038 63645 70814   Deposits 1381723 1274763 1335165   Borrowings 16499 57987 49238   Other Liabilities and Provisions 28769 28080 32695   Total 1529330 1449776 1513213   Assets      Cash and Balances with Reserve Bank of India 85762 76393 83634   Balances with Bank and Money at Call and Short Notice  5607 3123    1029   Investments 354441 406084 388864   Advances 988530 876226 945152   Fixed Assets 27103 22394 25757   Other Assets 67887 65556 68777   Total 1529330 1449776 1513213      2.</in-bse-fin:DisclosureOfNotesOnSegmentsExplanatoryTextBlock>
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