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<link:schemaRef xlink:type="simple" xlink:href="in-capmkt-ent-2022-04-30.xsd"/>
<xbrli:context id="ChangeInManagement001D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">CANBK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2025-07-27</xbrli:startDate><xbrli:endDate>2025-07-27</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:typedMember dimension="in-capmkt:ChangeInManagementAxis"><in-capmkt:ChangeInManagementDomain>ChangeInManagementDomain1</in-capmkt:ChangeInManagementDomain></xbrldi:typedMember></xbrli:scenario></xbrli:context>
<xbrli:context id="ChangeInManagement001I"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">CANBK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2025-07-27</xbrli:instant></xbrli:period><xbrli:scenario><xbrldi:typedMember dimension="in-capmkt:ChangeInManagementAxis"><in-capmkt:ChangeInManagementDomain>ChangeInManagementDomain1</in-capmkt:ChangeInManagementDomain></xbrldi:typedMember></xbrli:scenario></xbrli:context>
<xbrli:context id="ChangeInManagement002D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">CANBK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2025-07-27</xbrli:startDate><xbrli:endDate>2025-07-27</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:typedMember dimension="in-capmkt:ChangeInManagementAxis"><in-capmkt:ChangeInManagementDomain>ChangeInManagementDomain2</in-capmkt:ChangeInManagementDomain></xbrldi:typedMember></xbrli:scenario></xbrli:context>
<xbrli:context id="ChangeInManagement002I"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">CANBK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2025-07-27</xbrli:instant></xbrli:period><xbrli:scenario><xbrldi:typedMember dimension="in-capmkt:ChangeInManagementAxis"><in-capmkt:ChangeInManagementDomain>ChangeInManagementDomain2</in-capmkt:ChangeInManagementDomain></xbrldi:typedMember></xbrli:scenario></xbrli:context>
<xbrli:context id="ChangeInManagement003D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">CANBK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2025-07-27</xbrli:startDate><xbrli:endDate>2025-07-27</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:typedMember dimension="in-capmkt:ChangeInManagementAxis"><in-capmkt:ChangeInManagementDomain>ChangeInManagementDomain3</in-capmkt:ChangeInManagementDomain></xbrldi:typedMember></xbrli:scenario></xbrli:context>
<xbrli:context id="ChangeInManagement003I"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">CANBK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2025-07-27</xbrli:instant></xbrli:period><xbrli:scenario><xbrldi:typedMember dimension="in-capmkt:ChangeInManagementAxis"><in-capmkt:ChangeInManagementDomain>ChangeInManagementDomain3</in-capmkt:ChangeInManagementDomain></xbrldi:typedMember></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-capmkt:NSESymbol contextRef="OneI">CANBK</in-capmkt:NSESymbol>
<in-capmkt:NameOfTheCompany contextRef="OneI">CANARA BANK</in-capmkt:NameOfTheCompany>
<in-capmkt:RemarksForWebsiteDissemination contextRef="OneI">CHANGE IN MANAGEMENT</in-capmkt:RemarksForWebsiteDissemination>
<in-capmkt:ReasonOfChange contextRef="ChangeInManagement001D">Tenure completion</in-capmkt:ReasonOfChange>
<in-capmkt:Designation contextRef="ChangeInManagement001D">Shareholder director</in-capmkt:Designation>
<in-capmkt:NameOfThePersonOrAuditorOrAuditFirmOrRTA contextRef="ChangeInManagement001D">Bimal Prasad Sharma</in-capmkt:NameOfThePersonOrAuditorOrAuditFirmOrRTA>
<in-capmkt:EffectiveDateOfAppointmentOrResignationOrRemovalOrDisqualificationOrCessationOrVacationOfOfficeDueToStatutoryAuthorityOrderOrAdditionalChargeOrChangeInDesignation contextRef="ChangeInManagement001I">2025-07-27</in-capmkt:EffectiveDateOfAppointmentOrResignationOrRemovalOrDisqualificationOrCessationOrVacationOfOfficeDueToStatutoryAuthorityOrderOrAdditionalChargeOrChangeInDesignation>
<in-capmkt:ReasonOfChange contextRef="ChangeInManagement002D">Appointment</in-capmkt:ReasonOfChange>
<in-capmkt:Designation contextRef="ChangeInManagement002D">Shareholder director</in-capmkt:Designation>
<in-capmkt:NameOfThePersonOrAuditorOrAuditFirmOrRTA contextRef="ChangeInManagement002D">Gunjeet Singh Pannu</in-capmkt:NameOfThePersonOrAuditorOrAuditFirmOrRTA>
<in-capmkt:EffectiveDateOfAppointmentOrResignationOrRemovalOrDisqualificationOrCessationOrVacationOfOfficeDueToStatutoryAuthorityOrderOrAdditionalChargeOrChangeInDesignation contextRef="ChangeInManagement002I">2025-07-27</in-capmkt:EffectiveDateOfAppointmentOrResignationOrRemovalOrDisqualificationOrCessationOrVacationOfOfficeDueToStatutoryAuthorityOrderOrAdditionalChargeOrChangeInDesignation>
<in-capmkt:TermOfAppointment contextRef="ChangeInManagement002D">3</in-capmkt:TermOfAppointment>
<in-capmkt:BriefProfile contextRef="ChangeInManagement002D">Shri Gunjeet Singh Pannu, aged 63 years, B.Com, FCA, LLB is a former Vice­President of the Income Tax Appellate Tribunal (lTA T).  He has an overall experience of over 39 years, as a practicing professional and in an adjudicatory capacity, having served with ITAT, Ministry of Law &amp; Justice, Govt. of India, a statutory quasi-judicial body. He has rich and diverse experience in the fields of Accountancy, Finance, Banking, Direct Taxes, Laws, etc.</in-capmkt:BriefProfile>
<in-capmkt:DisclosureOfRelationshipsBetweenDirectorsInCaseOfAppointmentOfDirector contextRef="ChangeInManagement002D">Not Related to any of the Directors of the Bank</in-capmkt:DisclosureOfRelationshipsBetweenDirectorsInCaseOfAppointmentOfDirector>
<in-capmkt:ReasonOfChange contextRef="ChangeInManagement003D">Re-appointment</in-capmkt:ReasonOfChange>
<in-capmkt:Designation contextRef="ChangeInManagement003D">Shareholder director</in-capmkt:Designation>
<in-capmkt:NameOfThePersonOrAuditorOrAuditFirmOrRTA contextRef="ChangeInManagement003D">Abha Singh Yaduvanshi</in-capmkt:NameOfThePersonOrAuditorOrAuditFirmOrRTA>
<in-capmkt:EffectiveDateOfAppointmentOrResignationOrRemovalOrDisqualificationOrCessationOrVacationOfOfficeDueToStatutoryAuthorityOrderOrAdditionalChargeOrChangeInDesignation contextRef="ChangeInManagement003I">2025-07-27</in-capmkt:EffectiveDateOfAppointmentOrResignationOrRemovalOrDisqualificationOrCessationOrVacationOfOfficeDueToStatutoryAuthorityOrderOrAdditionalChargeOrChangeInDesignation>
<in-capmkt:TermOfAppointment contextRef="ChangeInManagement003D">3</in-capmkt:TermOfAppointment>
<in-capmkt:BriefProfile contextRef="ChangeInManagement003D">Ms. Abha Singh Yaduvanshi, aged 63 years, is BA Economics (Hons), MA (Economics) and Post Graduate Diploma in Business Administration (PGDBA) by qualification. She retired as Additional Secretary from Lok Sabha Secretariat. During her service she acquired knowledge &amp; experience in Banking matters, Finance, Agriculture, Information Technology etc.  Ms. Abha Singh Yaduvanshi is presently a Shareholder Director of Canara Bank since 27.07.2022.</in-capmkt:BriefProfile>
<in-capmkt:DisclosureOfRelationshipsBetweenDirectorsInCaseOfAppointmentOfDirector contextRef="ChangeInManagement003D">Not Related to any of the Directors of the Bank</in-capmkt:DisclosureOfRelationshipsBetweenDirectorsInCaseOfAppointmentOfDirector>
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