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<xbrli:xbrl xmlns:in-capmkt="https://www.sebi.gov.in/xbrl/2022-04-30/in-capmkt" xmlns:in-capmkt-roles="https://www.sebi.gov.in/xbrl/Changes_In_Management/2022-04-30/in-capmkt/in-capmkt-ent" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric" xmlns:in-capmkt-types="https://www.sebi.gov.in/xbrl/2022-04-30/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.w3.org/1999/xlink">
<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">DCBBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2026-03-09</xbrli:startDate><xbrli:endDate>2026-03-09</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">DCBBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2026-03-09</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: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">DCBBANK</in-capmkt:NSESymbol>
<in-capmkt:NameOfTheCompany contextRef="OneI">DCB BANK LIMITED</in-capmkt:NameOfTheCompany>
<in-capmkt:ReasonOfChange contextRef="ChangeInManagement001D">Appointment</in-capmkt:ReasonOfChange>
<in-capmkt:Designation contextRef="ChangeInManagement001D">Non - Executive Independent Director</in-capmkt:Designation>
<in-capmkt:NameOfThePersonOrAuditorOrAuditFirmOrRTA contextRef="ChangeInManagement001D">Pushan Mahapatra</in-capmkt:NameOfThePersonOrAuditorOrAuditFirmOrRTA>
<in-capmkt:EffectiveDateOfAppointmentOrResignationOrRemovalOrDisqualificationOrCessationOrVacationOfOfficeDueToStatutoryAuthorityOrderOrAdditionalChargeOrChangeInDesignation contextRef="ChangeInManagement001I">2026-03-10</in-capmkt:EffectiveDateOfAppointmentOrResignationOrRemovalOrDisqualificationOrCessationOrVacationOfOfficeDueToStatutoryAuthorityOrderOrAdditionalChargeOrChangeInDesignation>
<in-capmkt:TermOfAppointment contextRef="ChangeInManagement001D">3</in-capmkt:TermOfAppointment>
<in-capmkt:BriefProfile contextRef="ChangeInManagement001D">Mr. Pushan Mahapatra is a career banker with an experience of over 40 years, of which, 35 years was with SBI group. Successfully managed senior leadership positions across Retail &amp; Corporate Banking, Technology, Compliance &amp; Audit. He was posted at SBI’s Hong Kong Branch for over 4 years as Vice President (Systems &amp; Internal Audit). Headed SBI General Insurance Co. Ltd. as the MD&amp;CEO for nearly 5 years and is credited with scaling the performance of the company and making it one of the leading Private sector General Insurance players in India. Currently, after superannuation, with Zurich Insurance Group and serving as a Non-Executive Director with their JV Zurich Kotak General Insurance Co. (India) Ltd since June 2024. He also serves as an Independent Director on the Board of Angel One Trustee Limited.</in-capmkt:BriefProfile>
<in-capmkt:DisclosureOfRelationshipsBetweenDirectorsInCaseOfAppointmentOfDirector contextRef="ChangeInManagement001D">He is not related to any Director of the Bank</in-capmkt:DisclosureOfRelationshipsBetweenDirectorsInCaseOfAppointmentOfDirector>
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