<?xml version="1.0" encoding="UTF-8"?>
<xbrli:xbrl xmlns:in-bse-fin="http://www.bseindia.com/xbrl/fin/2019-09-30/in-bse-fin" xmlns:in-bse-fin-roles="http://www.bseindia.com/xbrl/fin/2019-09-30/in-bse-fin-roles" xmlns:in-bse-fin-ent="http://www.bseindia.com/xbrl/fin/2019-09-30/in-bse-fin/in-bse-fin-ent" xmlns:in-bse-fin-type="http://www.bseindia.com/xbrl/fin/2019-09-30/in-bse-fin-types" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric" 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="banking_entry_point_2019-09-30.xsd"/>
<xbrli:context id="OneD"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">UJJIVANSFB</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-10-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period></xbrli:context>
<xbrli:context id="FourD"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">UJJIVANSFB</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-10-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period></xbrli:context>
<xbrli:context id="OneOperatingExpenses01D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">UJJIVANSFB</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-10-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:DetailsOfOtherOperatingExpensesAxis">in-bse-fin:OneOperatingExpenses01Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="FourOperatingExpenses01D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">UJJIVANSFB</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-10-01</xbrli:startDate><xbrli:endDate>2024-12-31</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">UJJIVANSFB</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context>
<xbrli:context id="OneReportableSegmentRevenue01D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">UJJIVANSFB</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-10-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:ReportableSegmentsAxis">in-bse-fin:OneReportableSegmentRevenue01Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableSegmentRevenue02D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">UJJIVANSFB</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-10-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:ReportableSegmentsAxis">in-bse-fin:OneReportableSegmentRevenue02Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneReportableSegmentRevenue03D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">UJJIVANSFB</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-10-01</xbrli:startDate><xbrli:endDate>2024-12-31</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">UJJIVANSFB</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-10-01</xbrli:startDate><xbrli:endDate>2024-12-31</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">UJJIVANSFB</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-10-01</xbrli:startDate><xbrli:endDate>2024-12-31</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">UJJIVANSFB</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-10-01</xbrli:startDate><xbrli:endDate>2024-12-31</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">UJJIVANSFB</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-10-01</xbrli:startDate><xbrli:endDate>2024-12-31</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">UJJIVANSFB</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-10-01</xbrli:startDate><xbrli:endDate>2024-12-31</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">UJJIVANSFB</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-10-01</xbrli:startDate><xbrli:endDate>2024-12-31</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">UJJIVANSFB</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-10-01</xbrli:startDate><xbrli:endDate>2024-12-31</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">UJJIVANSFB</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-10-01</xbrli:startDate><xbrli:endDate>2024-12-31</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">UJJIVANSFB</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-10-01</xbrli:startDate><xbrli:endDate>2024-12-31</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">UJJIVANSFB</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-10-01</xbrli:startDate><xbrli:endDate>2024-12-31</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">UJJIVANSFB</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-10-01</xbrli:startDate><xbrli:endDate>2024-12-31</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">UJJIVANSFB</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-10-01</xbrli:startDate><xbrli:endDate>2024-12-31</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">UJJIVANSFB</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context>
<xbrli:context id="OneReportableSegmentLiabilities01D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">UJJIVANSFB</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-10-01</xbrli:startDate><xbrli:endDate>2024-12-31</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">UJJIVANSFB</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</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">UJJIVANSFB</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-10-01</xbrli:startDate><xbrli:endDate>2024-12-31</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">UJJIVANSFB</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</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">UJJIVANSFB</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-10-01</xbrli:startDate><xbrli:endDate>2024-12-31</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">UJJIVANSFB</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</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">542904</in-bse-fin:ScripCode>
<in-bse-fin:Symbol contextRef="OneD">UJJIVANSFB</in-bse-fin:Symbol>
<in-bse-fin:MSEISymbol contextRef="OneD">NA</in-bse-fin:MSEISymbol>
<in-bse-fin:ISIN contextRef="OneD">INE551W01018</in-bse-fin:ISIN>
<in-bse-fin:NameOfBank contextRef="OneD">Ujjivan Small Finance 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>
<in-bse-fin:DateOfStartOfFinancialYear contextRef="OneD">2024-04-01</in-bse-fin:DateOfStartOfFinancialYear>
<in-bse-fin:DateOfEndOfFinancialYear contextRef="OneD">2025-03-31</in-bse-fin:DateOfEndOfFinancialYear>
<in-bse-fin:DateOfBoardMeetingWhenFinancialResultsWereApproved contextRef="OneD">2025-01-23</in-bse-fin:DateOfBoardMeetingWhenFinancialResultsWereApproved>
<in-bse-fin:DateOnWhichPriorIntimationOfTheMeetingForConsideringFinancialResultsWasInformedToTheExchange contextRef="OneD">2024-12-30</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">Third quarter</in-bse-fin:ReportingQuarter>
<in-bse-fin:IsCompanyReportingMultisegmentOrSingleSegment contextRef="OneD">Multi segment</in-bse-fin:IsCompanyReportingMultisegmentOrSingleSegment>
<in-bse-fin:StartTimeOfBoardMeeting contextRef="OneD">11:30:00</in-bse-fin:StartTimeOfBoardMeeting>
<in-bse-fin:EndTimeOfBoardMeeting contextRef="OneD">17:05:00</in-bse-fin:EndTimeOfBoardMeeting>
<in-bse-fin:DateOfStartOfBoardMeeting contextRef="OneD">2025-01-23</in-bse-fin:DateOfStartOfBoardMeeting>
<in-bse-fin:DateOfEndOfBoardMeeting contextRef="OneD">2025-01-23</in-bse-fin:DateOfEndOfBoardMeeting>
<in-bse-fin:DeclarationOfUnmodifiedOpinionOrStatementOnImpactOfAuditQualification contextRef="OneD">Not applicable</in-bse-fin:DeclarationOfUnmodifiedOpinionOrStatementOnImpactOfAuditQualification>
<in-bse-fin:DateOfStartOfReportingPeriod contextRef="OneD">2024-10-01</in-bse-fin:DateOfStartOfReportingPeriod>
<in-bse-fin:DateOfEndOfReportingPeriod contextRef="OneD">2024-12-31</in-bse-fin:DateOfEndOfReportingPeriod>
<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">13817714000.00</in-bse-fin:InterestOrDiscountOnAdvancesOrBills>
<in-bse-fin:RevenueOnInvestments contextRef="OneD" unitRef="INR" decimals="-5">2020378000.00</in-bse-fin:RevenueOnInvestments>
<in-bse-fin:InterestOnBalancesWithReserveBankOfIndiaAndOtherInterBankFunds contextRef="OneD" unitRef="INR" decimals="-5">45304000.00</in-bse-fin:InterestOnBalancesWithReserveBankOfIndiaAndOtherInterBankFunds>
<in-bse-fin:OtherInterest contextRef="OneD" unitRef="INR" decimals="-5">27334000.00</in-bse-fin:OtherInterest>
<in-bse-fin:InterestEarned contextRef="OneD" unitRef="INR" decimals="-5">15910728000.00</in-bse-fin:InterestEarned>
<in-bse-fin:OtherIncome contextRef="OneD" unitRef="INR" decimals="-5">1721707000.00</in-bse-fin:OtherIncome>
<in-bse-fin:Income contextRef="OneD" unitRef="INR" decimals="-5">17632434000.00</in-bse-fin:Income>
<in-bse-fin:InterestExpended contextRef="OneD" unitRef="INR" decimals="-5">7043347000.00</in-bse-fin:InterestExpended>
<in-bse-fin:EmployeesCost contextRef="OneD" unitRef="INR" decimals="-5">3711948000.00</in-bse-fin:EmployeesCost>
<in-bse-fin:OtherOperatingExpenses contextRef="OneD" unitRef="INR" decimals="-5">3285466000.00</in-bse-fin:OtherOperatingExpenses>
<in-bse-fin:OperatingExpenses contextRef="OneD" unitRef="INR" decimals="-5">6997414000.00</in-bse-fin:OperatingExpenses>
<in-bse-fin:ExpenditureExcludingProvisionsAndContingencies contextRef="OneD" unitRef="INR" decimals="-5">14040760000.00</in-bse-fin:ExpenditureExcludingProvisionsAndContingencies>
<in-bse-fin:OperatingProfitBeforeProvisionAndContingencies contextRef="OneD" unitRef="INR" decimals="-5">3591674000.00</in-bse-fin:OperatingProfitBeforeProvisionAndContingencies>
<in-bse-fin:ProvisionsOtherThanTaxAndContingencies contextRef="OneD" unitRef="INR" decimals="-5">2228004000.00</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">1363670000.00</in-bse-fin:ProfitLossFromOrdinaryActivitiesBeforeTax>
<in-bse-fin:TaxExpense contextRef="OneD" unitRef="INR" decimals="-5">277477000.00</in-bse-fin:TaxExpense>
<in-bse-fin:ProfitLossFromOrdinaryActivitiesAfterTax contextRef="OneD" unitRef="INR" decimals="-5">1086194000.00</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">1086194000.00</in-bse-fin:ProfitLossForThePeriod>
<in-bse-fin:ProfitLossAfterTaxesMinorityInterestAndShareOfProfitLossOfAssociates contextRef="OneD" unitRef="INR" decimals="-5">1086194000.00</in-bse-fin:ProfitLossAfterTaxesMinorityInterestAndShareOfProfitLossOfAssociates>
<in-bse-fin:PaidUpValueOfEquityShareCapital contextRef="OneD" unitRef="INR" decimals="-5">19345438000.00</in-bse-fin:PaidUpValueOfEquityShareCapital>
<in-bse-fin:FaceValueOfEquityShareCapital contextRef="OneD" unitRef="INRPerShare" decimals="INF">10.00</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">0.0022</in-bse-fin:CET1Ratio>
<in-bse-fin:AdditionalTier1Ratio contextRef="OneD" unitRef="pure" decimals="INF">0.00</in-bse-fin:AdditionalTier1Ratio>
<in-bse-fin:BasicEarningsPerShareBeforeExtraordinaryItems contextRef="OneD" unitRef="INRPerShare" decimals="INF">0.56</in-bse-fin:BasicEarningsPerShareBeforeExtraordinaryItems>
<in-bse-fin:DilutedEarningsPerShareBeforeExtraordinaryItems contextRef="OneD" unitRef="INRPerShare" decimals="INF">0.55</in-bse-fin:DilutedEarningsPerShareBeforeExtraordinaryItems>
<in-bse-fin:BasicEarningsPerShareAfterExtraordinaryItems contextRef="OneD" unitRef="INRPerShare" decimals="INF">0.56</in-bse-fin:BasicEarningsPerShareAfterExtraordinaryItems>
<in-bse-fin:DilutedEarningsPerShareAfterExtraordinaryItems contextRef="OneD" unitRef="INRPerShare" decimals="INF">0.55</in-bse-fin:DilutedEarningsPerShareAfterExtraordinaryItems>
<in-bse-fin:GrossNonPerformingAssets contextRef="OneD" unitRef="INR" decimals="-5">8112286000.00</in-bse-fin:GrossNonPerformingAssets>
<in-bse-fin:NonPerformingAssets contextRef="OneD" unitRef="INR" decimals="-5">1649391000.00</in-bse-fin:NonPerformingAssets>
<in-bse-fin:PercentageOfGrossNpa contextRef="OneD" unitRef="pure" decimals="INF">0.0268</in-bse-fin:PercentageOfGrossNpa>
<in-bse-fin:PercentageOfNpa contextRef="OneD">0.0056</in-bse-fin:PercentageOfNpa>
<in-bse-fin:ReturnOnAssets contextRef="OneD" unitRef="INR" decimals="-5">0.00</in-bse-fin:ReturnOnAssets>
<in-bse-fin:DateOfStartOfReportingPeriod contextRef="FourD">2024-04-01</in-bse-fin:DateOfStartOfReportingPeriod>
<in-bse-fin:DateOfEndOfReportingPeriod contextRef="FourD">2024-12-31</in-bse-fin:DateOfEndOfReportingPeriod>
<in-bse-fin:WhetherResultsAreAuditedOrUnaudited contextRef="FourD">Unaudited</in-bse-fin:WhetherResultsAreAuditedOrUnaudited>
<in-bse-fin:NatureOfReportStandaloneConsolidated contextRef="FourD">Standalone</in-bse-fin:NatureOfReportStandaloneConsolidated>
<in-bse-fin:InterestOrDiscountOnAdvancesOrBills contextRef="FourD" unitRef="INR" decimals="-5">41660878000.00</in-bse-fin:InterestOrDiscountOnAdvancesOrBills>
<in-bse-fin:RevenueOnInvestments contextRef="FourD" unitRef="INR" decimals="-5">5971282000.00</in-bse-fin:RevenueOnInvestments>
<in-bse-fin:InterestOnBalancesWithReserveBankOfIndiaAndOtherInterBankFunds contextRef="FourD" unitRef="INR" decimals="-5">84060000.00</in-bse-fin:InterestOnBalancesWithReserveBankOfIndiaAndOtherInterBankFunds>
<in-bse-fin:OtherInterest contextRef="FourD" unitRef="INR" decimals="-5">94135000.00</in-bse-fin:OtherInterest>
<in-bse-fin:InterestEarned contextRef="FourD" unitRef="INR" decimals="-5">47810354000.00</in-bse-fin:InterestEarned>
<in-bse-fin:OtherIncome contextRef="FourD" unitRef="INR" decimals="-5">5765120000.00</in-bse-fin:OtherIncome>
<in-bse-fin:Income contextRef="FourD" unitRef="INR" decimals="-5">53575474000.00</in-bse-fin:Income>
<in-bse-fin:InterestExpended contextRef="FourD" unitRef="INR" decimals="-5">20090722000.00</in-bse-fin:InterestExpended>
<in-bse-fin:EmployeesCost contextRef="FourD" unitRef="INR" decimals="-5">10798839000.00</in-bse-fin:EmployeesCost>
<in-bse-fin:OtherOperatingExpenses contextRef="FourD" unitRef="INR" decimals="-5">9391053000.00</in-bse-fin:OtherOperatingExpenses>
<in-bse-fin:OperatingExpenses contextRef="FourD" unitRef="INR" decimals="-5">20189892000.00</in-bse-fin:OperatingExpenses>
<in-bse-fin:ExpenditureExcludingProvisionsAndContingencies contextRef="FourD" unitRef="INR" decimals="-5">40280614000.00</in-bse-fin:ExpenditureExcludingProvisionsAndContingencies>
<in-bse-fin:OperatingProfitBeforeProvisionAndContingencies contextRef="FourD" unitRef="INR" decimals="-5">13294860000.00</in-bse-fin:OperatingProfitBeforeProvisionAndContingencies>
<in-bse-fin:ProvisionsOtherThanTaxAndContingencies contextRef="FourD" unitRef="INR" decimals="-5">4831593000.00</in-bse-fin:ProvisionsOtherThanTaxAndContingencies>
<in-bse-fin:ExceptionalItems contextRef="FourD" unitRef="INR" decimals="-5">0.00</in-bse-fin:ExceptionalItems>
<in-bse-fin:ProfitLossFromOrdinaryActivitiesBeforeTax contextRef="FourD" unitRef="INR" decimals="-5">8463267000.00</in-bse-fin:ProfitLossFromOrdinaryActivitiesBeforeTax>
<in-bse-fin:TaxExpense contextRef="FourD" unitRef="INR" decimals="-5">2035960000.00</in-bse-fin:TaxExpense>
<in-bse-fin:ProfitLossFromOrdinaryActivitiesAfterTax contextRef="FourD" unitRef="INR" decimals="-5">6427308000.00</in-bse-fin:ProfitLossFromOrdinaryActivitiesAfterTax>
<in-bse-fin:ExtraordinaryItems contextRef="FourD" unitRef="INR" decimals="-5">0.00</in-bse-fin:ExtraordinaryItems>
<in-bse-fin:ProfitLossForThePeriod contextRef="FourD" unitRef="INR" decimals="-5">6427308000.00</in-bse-fin:ProfitLossForThePeriod>
<in-bse-fin:ProfitLossAfterTaxesMinorityInterestAndShareOfProfitLossOfAssociates contextRef="FourD" unitRef="INR" decimals="-5">6427308000.00</in-bse-fin:ProfitLossAfterTaxesMinorityInterestAndShareOfProfitLossOfAssociates>
<in-bse-fin:PaidUpValueOfEquityShareCapital contextRef="FourD" unitRef="INR" decimals="-5">19345438000.00</in-bse-fin:PaidUpValueOfEquityShareCapital>
<in-bse-fin:FaceValueOfEquityShareCapital contextRef="FourD" unitRef="INRPerShare" decimals="INF">10.00</in-bse-fin:FaceValueOfEquityShareCapital>
<in-bse-fin:PercentageOfShareHeldByGovernmentOfIndia contextRef="FourD" unitRef="pure" decimals="INF">0.00</in-bse-fin:PercentageOfShareHeldByGovernmentOfIndia>
<in-bse-fin:CET1Ratio contextRef="FourD" unitRef="pure" decimals="INF">0.0022</in-bse-fin:CET1Ratio>
<in-bse-fin:AdditionalTier1Ratio contextRef="FourD" unitRef="pure" decimals="INF">0.00</in-bse-fin:AdditionalTier1Ratio>
<in-bse-fin:BasicEarningsPerShareBeforeExtraordinaryItems contextRef="FourD" unitRef="INRPerShare" decimals="INF">3.32</in-bse-fin:BasicEarningsPerShareBeforeExtraordinaryItems>
<in-bse-fin:DilutedEarningsPerShareBeforeExtraordinaryItems contextRef="FourD" unitRef="INRPerShare" decimals="INF">3.28</in-bse-fin:DilutedEarningsPerShareBeforeExtraordinaryItems>
<in-bse-fin:BasicEarningsPerShareAfterExtraordinaryItems contextRef="FourD" unitRef="INRPerShare" decimals="INF">3.32</in-bse-fin:BasicEarningsPerShareAfterExtraordinaryItems>
<in-bse-fin:DilutedEarningsPerShareAfterExtraordinaryItems contextRef="FourD" unitRef="INRPerShare" decimals="INF">3.28</in-bse-fin:DilutedEarningsPerShareAfterExtraordinaryItems>
<in-bse-fin:GrossNonPerformingAssets contextRef="FourD" unitRef="INR" decimals="-5">8112286000.00</in-bse-fin:GrossNonPerformingAssets>
<in-bse-fin:NonPerformingAssets contextRef="FourD" unitRef="INR" decimals="-5">1649391000.00</in-bse-fin:NonPerformingAssets>
<in-bse-fin:PercentageOfGrossNpa contextRef="FourD" unitRef="pure" decimals="INF">0.0268</in-bse-fin:PercentageOfGrossNpa>
<in-bse-fin:PercentageOfNpa contextRef="FourD">0.0056</in-bse-fin:PercentageOfNpa>
<in-bse-fin:ReturnOnAssets contextRef="FourD" unitRef="INR" decimals="-5">0.0002</in-bse-fin:ReturnOnAssets>
<in-bse-fin:DescriptionOfOperatingExpenses contextRef="OneOperatingExpenses01D" unitRef="INR" decimals="-5">Other Operating Expenses</in-bse-fin:DescriptionOfOperatingExpenses>
<in-bse-fin:OtherOperatingExpenses contextRef="OneOperatingExpenses01D" unitRef="INR" decimals="-5">3285466000.00</in-bse-fin:OtherOperatingExpenses>
<in-bse-fin:DescriptionOfOperatingExpenses contextRef="FourOperatingExpenses01D" unitRef="INR" decimals="-5">Other Operating Expenses</in-bse-fin:DescriptionOfOperatingExpenses>
<in-bse-fin:OtherOperatingExpenses contextRef="FourOperatingExpenses01D" unitRef="INR" decimals="-5">9391053000.00</in-bse-fin:OtherOperatingExpenses>
<in-bse-fin:DescriptionOfReportableSegment contextRef="OneReportableSegmentRevenue01D" unitRef="INR" decimals="-5">Retail</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentRevenue contextRef="OneReportableSegmentRevenue01D" unitRef="INR" decimals="-5">14987411000.00</in-bse-fin:SegmentRevenue>
<in-bse-fin:DescriptionOfReportableSegment contextRef="OneReportableSegmentRevenue02D" unitRef="INR" decimals="-5">Treasury</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentRevenue contextRef="OneReportableSegmentRevenue02D" unitRef="INR" decimals="-5">2133288000.00</in-bse-fin:SegmentRevenue>
<in-bse-fin:DescriptionOfReportableSegment contextRef="OneReportableSegmentRevenue03D" unitRef="INR" decimals="-5">Wholesale</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentRevenue contextRef="OneReportableSegmentRevenue03D" unitRef="INR" decimals="-5">511665000.00</in-bse-fin:SegmentRevenue>
<in-bse-fin:DescriptionOfReportableSegment contextRef="FourReportableSegmentRevenue01D" unitRef="INR" decimals="-5">Retail</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentRevenue contextRef="FourReportableSegmentRevenue01D" unitRef="INR" decimals="-5">45898503000.00</in-bse-fin:SegmentRevenue>
<in-bse-fin:DescriptionOfReportableSegment contextRef="FourReportableSegmentRevenue02D" unitRef="INR" decimals="-5">Treasury</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentRevenue contextRef="FourReportableSegmentRevenue02D" unitRef="INR" decimals="-5">6267380000.00</in-bse-fin:SegmentRevenue>
<in-bse-fin:DescriptionOfReportableSegment contextRef="FourReportableSegmentRevenue03D" unitRef="INR" decimals="-5">Wholesale</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentRevenue contextRef="FourReportableSegmentRevenue03D" unitRef="INR" decimals="-5">1409591000.00</in-bse-fin:SegmentRevenue>
<in-bse-fin:SegmentRevenue contextRef="OneD" unitRef="INR" decimals="-5">17632364000.00</in-bse-fin:SegmentRevenue>
<in-bse-fin:SegmentRevenue contextRef="FourD" unitRef="INR" decimals="-5">53575474000.00</in-bse-fin:SegmentRevenue>
<in-bse-fin:InterSegmentRevenue contextRef="OneD" unitRef="INR" decimals="-5">0.00</in-bse-fin:InterSegmentRevenue>
<in-bse-fin:InterSegmentRevenue contextRef="FourD" unitRef="INR" decimals="-5">0.00</in-bse-fin:InterSegmentRevenue>
<in-bse-fin:SegmentRevenueFromOperations contextRef="OneD">17632364000.00</in-bse-fin:SegmentRevenueFromOperations>
<in-bse-fin:SegmentRevenueFromOperations contextRef="FourD">53575474000.00</in-bse-fin:SegmentRevenueFromOperations>
<in-bse-fin:DescriptionOfReportableSegment contextRef="OneReportableSegmentResults01D" unitRef="INR" decimals="-5">Retail</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentProfitLossBeforeTaxAndFinanceCosts contextRef="OneReportableSegmentResults01D" unitRef="INR" decimals="-5">1138458000.00</in-bse-fin:SegmentProfitLossBeforeTaxAndFinanceCosts>
<in-bse-fin:DescriptionOfReportableSegment contextRef="OneReportableSegmentResults02D" unitRef="INR" decimals="-5">Treasury</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentProfitLossBeforeTaxAndFinanceCosts contextRef="OneReportableSegmentResults02D" unitRef="INR" decimals="-5">125274000.00</in-bse-fin:SegmentProfitLossBeforeTaxAndFinanceCosts>
<in-bse-fin:DescriptionOfReportableSegment contextRef="OneReportableSegmentResults03D" unitRef="INR" decimals="-5">Wholesale</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentProfitLossBeforeTaxAndFinanceCosts contextRef="OneReportableSegmentResults03D" unitRef="INR" decimals="-5">220483000.00</in-bse-fin:SegmentProfitLossBeforeTaxAndFinanceCosts>
<in-bse-fin:DescriptionOfReportableSegment contextRef="FourReportableSegmentResults01D" unitRef="INR" decimals="-5">Retail</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentProfitLossBeforeTaxAndFinanceCosts contextRef="FourReportableSegmentResults01D" unitRef="INR" decimals="-5">7989860000.00</in-bse-fin:SegmentProfitLossBeforeTaxAndFinanceCosts>
<in-bse-fin:DescriptionOfReportableSegment contextRef="FourReportableSegmentResults02D" unitRef="INR" decimals="-5">Treasury</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentProfitLossBeforeTaxAndFinanceCosts contextRef="FourReportableSegmentResults02D" unitRef="INR" decimals="-5">409047000.00</in-bse-fin:SegmentProfitLossBeforeTaxAndFinanceCosts>
<in-bse-fin:DescriptionOfReportableSegment contextRef="FourReportableSegmentResults03D" unitRef="INR" decimals="-5">Wholesale</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentProfitLossBeforeTaxAndFinanceCosts contextRef="FourReportableSegmentResults03D" unitRef="INR" decimals="-5">468794000.00</in-bse-fin:SegmentProfitLossBeforeTaxAndFinanceCosts>
<in-bse-fin:SegmentProfitLossBeforeTaxAndFinanceCosts contextRef="OneD" unitRef="INR" decimals="-5">1484214000.00</in-bse-fin:SegmentProfitLossBeforeTaxAndFinanceCosts>
<in-bse-fin:SegmentProfitLossBeforeTaxAndFinanceCosts contextRef="FourD" unitRef="INR" decimals="-5">8867699000.00</in-bse-fin:SegmentProfitLossBeforeTaxAndFinanceCosts>
<in-bse-fin:SegmentFinanceCosts contextRef="OneD" unitRef="INR" decimals="-5">0.00</in-bse-fin:SegmentFinanceCosts>
<in-bse-fin:SegmentFinanceCosts contextRef="FourD" unitRef="INR" decimals="-5">0.00</in-bse-fin:SegmentFinanceCosts>
<in-bse-fin:OtherUnallocableExpenditureNetOffUnAllocableIncome contextRef="OneD" unitRef="INR" decimals="-5">120559000.00</in-bse-fin:OtherUnallocableExpenditureNetOffUnAllocableIncome>
<in-bse-fin:OtherUnallocableExpenditureNetOffUnAllocableIncome contextRef="FourD" unitRef="INR" decimals="-5">404438000.00</in-bse-fin:OtherUnallocableExpenditureNetOffUnAllocableIncome>
<in-bse-fin:SegmentProfitBeforeTax contextRef="OneD">1363655000.00</in-bse-fin:SegmentProfitBeforeTax>
<in-bse-fin:SegmentProfitBeforeTax contextRef="FourD">8463262000.00</in-bse-fin:SegmentProfitBeforeTax>
<in-bse-fin:DescriptionOfReportableSegment contextRef="OneReportableSegmentAssets01D" unitRef="INR" decimals="-5">Retail</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentAssets contextRef="OneReportableSegmentAssets01D" unitRef="INR" decimals="-5">285815836000.00</in-bse-fin:SegmentAssets>
<in-bse-fin:DescriptionOfReportableSegment contextRef="OneReportableSegmentAssets02D" unitRef="INR" decimals="-5">Treasury</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentAssets contextRef="OneReportableSegmentAssets02D" unitRef="INR" decimals="-5">141095705000.00</in-bse-fin:SegmentAssets>
<in-bse-fin:DescriptionOfReportableSegment contextRef="OneReportableSegmentAssets03D" unitRef="INR" decimals="-5">Wholesale</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentAssets contextRef="OneReportableSegmentAssets03D" unitRef="INR" decimals="-5">22450263000.00</in-bse-fin:SegmentAssets>
<in-bse-fin:SegmentAssets contextRef="OneD" unitRef="INR" decimals="-5">449361803000.00</in-bse-fin:SegmentAssets>
<in-bse-fin:UnAllocableAssets contextRef="OneI" unitRef="INR" decimals="-5">2894528000.00</in-bse-fin:UnAllocableAssets>
<in-bse-fin:UnAllocableAssets contextRef="FourI" unitRef="INR" decimals="-5">2894528000.00</in-bse-fin:UnAllocableAssets>
<in-bse-fin:NetSegmentAssets contextRef="OneI">452256331000.00</in-bse-fin:NetSegmentAssets>
<in-bse-fin:DescriptionOfReportableSegment contextRef="OneReportableSegmentLiabilities01D" unitRef="INR" decimals="-5">Retail</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentLiabilities contextRef="OneReportableSegmentLiabilities01I" unitRef="INR" decimals="-5">247925450000.00</in-bse-fin:SegmentLiabilities>
<in-bse-fin:DescriptionOfReportableSegment contextRef="OneReportableSegmentLiabilities02D" unitRef="INR" decimals="-5">Treasury</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentLiabilities contextRef="OneReportableSegmentLiabilities02I" unitRef="INR" decimals="-5">122390756000.00</in-bse-fin:SegmentLiabilities>
<in-bse-fin:DescriptionOfReportableSegment contextRef="OneReportableSegmentLiabilities03D" unitRef="INR" decimals="-5">Wholesale</in-bse-fin:DescriptionOfReportableSegment>
<in-bse-fin:SegmentLiabilities contextRef="OneReportableSegmentLiabilities03I" unitRef="INR" decimals="-5">19474006000.00</in-bse-fin:SegmentLiabilities>
<in-bse-fin:SegmentLiabilities contextRef="OneI" unitRef="INR" decimals="-5">389790210000.00</in-bse-fin:SegmentLiabilities>
<in-bse-fin:UnAllocableLiabilities contextRef="OneI" unitRef="INR" decimals="-5">2510783000.00</in-bse-fin:UnAllocableLiabilities>
<in-bse-fin:UnAllocableLiabilities contextRef="FourI" unitRef="INR" decimals="-5">2510783000.00</in-bse-fin:UnAllocableLiabilities>
<in-bse-fin:NetSegmentLiabilities contextRef="OneI">392300993000.00</in-bse-fin:NetSegmentLiabilities>
</xbrli:xbrl>