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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">UCOBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2026-04-06</xbrli:startDate><xbrli:endDate>2026-04-06</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">UCOBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2026-04-06</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">UCOBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2026-04-06</xbrli:startDate><xbrli:endDate>2026-04-06</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">UCOBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2026-04-06</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">UCOBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2026-04-06</xbrli:startDate><xbrli:endDate>2026-04-06</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">UCOBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2026-04-06</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">UCOBANK</in-capmkt:NSESymbol>
<in-capmkt:NameOfTheCompany contextRef="OneI">UCO BANK</in-capmkt:NameOfTheCompany>
<in-capmkt:ReasonOfChange contextRef="ChangeInManagement001D">Change in designation</in-capmkt:ReasonOfChange>
<in-capmkt:Designation contextRef="ChangeInManagement001D">Others</in-capmkt:Designation>
<in-capmkt:NameOfThePersonOrAuditorOrAuditFirmOrRTA contextRef="ChangeInManagement001D">SAROJ RANJAN NAYAK</in-capmkt:NameOfThePersonOrAuditorOrAuditFirmOrRTA>
<in-capmkt:EffectiveDateOfAppointmentOrResignationOrRemovalOrDisqualificationOrCessationOrVacationOfOfficeDueToStatutoryAuthorityOrderOrAdditionalChargeOrChangeInDesignation contextRef="ChangeInManagement001I">2026-04-01</in-capmkt:EffectiveDateOfAppointmentOrResignationOrRemovalOrDisqualificationOrCessationOrVacationOfOfficeDueToStatutoryAuthorityOrderOrAdditionalChargeOrChangeInDesignation>
<in-capmkt:TermOfAppointment contextRef="ChangeInManagement001D">0</in-capmkt:TermOfAppointment>
<in-capmkt:BriefProfile contextRef="ChangeInManagement001D">He holds a Bachelor of Technology (B.Tech) in Electronics &amp; Telecommunication, along with professional certifications including Certified Associate of Indian Institute of Bankers (CAIIB), Certified Information Security Manager (CISM), and Certified Information Systems Auditor (CISA). He has more than 17 years of extensive experience in the banking sector.</in-capmkt:BriefProfile>
<in-capmkt:CurrentDesignation contextRef="ChangeInManagement001I">GENERAL MANAGER</in-capmkt:CurrentDesignation>
<in-capmkt:AdditionalNewDesignation contextRef="ChangeInManagement001I">CHIEF GENERAL MANAGER</in-capmkt:AdditionalNewDesignation>
<in-capmkt:ReasonOfChange contextRef="ChangeInManagement002D">Change in designation</in-capmkt:ReasonOfChange>
<in-capmkt:Designation contextRef="ChangeInManagement002D">Others</in-capmkt:Designation>
<in-capmkt:NameOfThePersonOrAuditorOrAuditFirmOrRTA contextRef="ChangeInManagement002D">PREM SHANKAR JHA</in-capmkt:NameOfThePersonOrAuditorOrAuditFirmOrRTA>
<in-capmkt:EffectiveDateOfAppointmentOrResignationOrRemovalOrDisqualificationOrCessationOrVacationOfOfficeDueToStatutoryAuthorityOrderOrAdditionalChargeOrChangeInDesignation contextRef="ChangeInManagement002I">2026-04-01</in-capmkt:EffectiveDateOfAppointmentOrResignationOrRemovalOrDisqualificationOrCessationOrVacationOfOfficeDueToStatutoryAuthorityOrderOrAdditionalChargeOrChangeInDesignation>
<in-capmkt:TermOfAppointment contextRef="ChangeInManagement002D">0</in-capmkt:TermOfAppointment>
<in-capmkt:BriefProfile contextRef="ChangeInManagement002D">He holds a Bachelor of Arts (BA) and Master of Business Administration (MBA), along with the Certified Associate of Indian Institute of Bankers (CAIIB) qualification. He has more than 19 years of extensive experience in the banking sector.</in-capmkt:BriefProfile>
<in-capmkt:CurrentDesignation contextRef="ChangeInManagement002I">GENERAL MANAGER</in-capmkt:CurrentDesignation>
<in-capmkt:AdditionalNewDesignation contextRef="ChangeInManagement002I">CHIEF GENERAL MANAGER</in-capmkt:AdditionalNewDesignation>
<in-capmkt:ReasonOfChange contextRef="ChangeInManagement003D">Change in designation</in-capmkt:ReasonOfChange>
<in-capmkt:Designation contextRef="ChangeInManagement003D">Others</in-capmkt:Designation>
<in-capmkt:NameOfThePersonOrAuditorOrAuditFirmOrRTA contextRef="ChangeInManagement003D">AVINASH SHUKLA</in-capmkt:NameOfThePersonOrAuditorOrAuditFirmOrRTA>
<in-capmkt:EffectiveDateOfAppointmentOrResignationOrRemovalOrDisqualificationOrCessationOrVacationOfOfficeDueToStatutoryAuthorityOrderOrAdditionalChargeOrChangeInDesignation contextRef="ChangeInManagement003I">2026-04-01</in-capmkt:EffectiveDateOfAppointmentOrResignationOrRemovalOrDisqualificationOrCessationOrVacationOfOfficeDueToStatutoryAuthorityOrderOrAdditionalChargeOrChangeInDesignation>
<in-capmkt:TermOfAppointment contextRef="ChangeInManagement003D">0</in-capmkt:TermOfAppointment>
<in-capmkt:BriefProfile contextRef="ChangeInManagement003D">He holds a Bachelor of Science (B.Sc.) and Master of Computer Applications (MCA), along with professional certifications including Certified Associate of Indian Institute of Bankers (CAIIB), Certified Information Systems Auditor (CISA), and Certified in Risk and Information Systems Control (CRISC). He has more than 22 years of extensive experience in the banking sector.</in-capmkt:BriefProfile>
<in-capmkt:CurrentDesignation contextRef="ChangeInManagement003I">GENERAL MANAGER</in-capmkt:CurrentDesignation>
<in-capmkt:AdditionalNewDesignation contextRef="ChangeInManagement003I">CHIEF GENERAL MANAGER</in-capmkt:AdditionalNewDesignation>
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