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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">UCOBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2026-04-13</xbrli:startDate><xbrli:endDate>2026-04-13</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>2026-04-13</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>2026-04-13</xbrli:startDate><xbrli:endDate>2026-04-13</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>2026-04-13</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: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">Appointment</in-capmkt:ReasonOfChange>
<in-capmkt:Designation contextRef="ChangeInManagement001D">Chief risk officer</in-capmkt:Designation>
<in-capmkt:NameOfThePersonOrAuditorOrAuditFirmOrRTA contextRef="ChangeInManagement001D">Rajeev Gupta</in-capmkt:NameOfThePersonOrAuditorOrAuditFirmOrRTA>
<in-capmkt:EffectiveDateOfAppointmentOrResignationOrRemovalOrDisqualificationOrCessationOrVacationOfOfficeDueToStatutoryAuthorityOrderOrAdditionalChargeOrChangeInDesignation contextRef="ChangeInManagement001I">2026-04-14</in-capmkt:EffectiveDateOfAppointmentOrResignationOrRemovalOrDisqualificationOrCessationOrVacationOfOfficeDueToStatutoryAuthorityOrderOrAdditionalChargeOrChangeInDesignation>
<in-capmkt:TermOfAppointment contextRef="ChangeInManagement001D">0</in-capmkt:TermOfAppointment>
<in-capmkt:BriefProfile contextRef="ChangeInManagement001D">Mr. Rajeev Gupta, aged 51 years, holds a Bachelor of  Commerce degree, a Master of Business Administration  (Finance), and a Post Graduate Diploma in Banking. He  is a Certified Associate of the Indian Institute of Bankers  (CAIIB) and also possesses a certification in Treasury,  Investment and Risk Management from the Indian  Institute of Banking and Finance (IIBF).    He brings with him over 29 years of extensive experience  in the banking sector, having served across various  branches, overseas centres, zonal offices and  corporate departments of the Bank. His professional  exposure includes significant experience in risk  management, overseas operations, and core banking  functions.</in-capmkt:BriefProfile>
<in-capmkt:ReasonOfChange contextRef="ChangeInManagement002D">Cessation</in-capmkt:ReasonOfChange>
<in-capmkt:Designation contextRef="ChangeInManagement002D">Chief risk officer</in-capmkt:Designation>
<in-capmkt:NameOfThePersonOrAuditorOrAuditFirmOrRTA contextRef="ChangeInManagement002D">Shashi Kant Kumar</in-capmkt:NameOfThePersonOrAuditorOrAuditFirmOrRTA>
<in-capmkt:EffectiveDateOfAppointmentOrResignationOrRemovalOrDisqualificationOrCessationOrVacationOfOfficeDueToStatutoryAuthorityOrderOrAdditionalChargeOrChangeInDesignation contextRef="ChangeInManagement002I">2026-04-14</in-capmkt:EffectiveDateOfAppointmentOrResignationOrRemovalOrDisqualificationOrCessationOrVacationOfOfficeDueToStatutoryAuthorityOrderOrAdditionalChargeOrChangeInDesignation>
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