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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">TMB</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2026-03-24</xbrli:startDate><xbrli:endDate>2026-03-24</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">TMB</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2026-03-24</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">TMB</in-capmkt:NSESymbol>
<in-capmkt:NameOfTheCompany contextRef="OneI">TAMILNAD MERCANTILE BANK LIMITED</in-capmkt:NameOfTheCompany>
<in-capmkt:ReasonOfChange contextRef="ChangeInManagement001D">Re-appointment</in-capmkt:ReasonOfChange>
<in-capmkt:Designation contextRef="ChangeInManagement001D">Chief risk officer</in-capmkt:Designation>
<in-capmkt:NameOfThePersonOrAuditorOrAuditFirmOrRTA contextRef="ChangeInManagement001D">Laxman Karkala Kudva</in-capmkt:NameOfThePersonOrAuditorOrAuditFirmOrRTA>
<in-capmkt:EffectiveDateOfAppointmentOrResignationOrRemovalOrDisqualificationOrCessationOrVacationOfOfficeDueToStatutoryAuthorityOrderOrAdditionalChargeOrChangeInDesignation contextRef="ChangeInManagement001I">2026-08-12</in-capmkt:EffectiveDateOfAppointmentOrResignationOrRemovalOrDisqualificationOrCessationOrVacationOfOfficeDueToStatutoryAuthorityOrderOrAdditionalChargeOrChangeInDesignation>
<in-capmkt:TermOfAppointment contextRef="ChangeInManagement001D">1</in-capmkt:TermOfAppointment>
<in-capmkt:BriefProfile contextRef="ChangeInManagement001D">Thiru. Laxman Karkala Kudva holds a Bachelor’s degree in Science (B.Sc.,). He is a Certified Associate of the Indian Institute of Banking and Finance (CAIIB).   He has earlier worked in erstwhile Corporation Bank and then in Union Bank of India. He started his Banking journey in 1986 and he is having professional experience of about 14 years in the executive cadre and 16 years in the area of Risk Management. He has also headed various branches and administrative offices during his 40 years of Banking career.  He has been associated with the Bank as the Chief Risk Officer in the cadre of Executive Vice President for a term of two years, with effect from August 12, 2024.</in-capmkt:BriefProfile>
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