<?xml version="1.0" encoding="UTF-8"?>
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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="OneReportableSegmentRevenue01D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">CENTRALBK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-04-01</xbrli:startDate><xbrli:endDate>2024-06-30</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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<in-bse-fin:MSEISymbol contextRef="OneD">NOTLISTED</in-bse-fin:MSEISymbol>
<in-bse-fin:ISIN contextRef="OneD">INE483A01010</in-bse-fin:ISIN>
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