<?xml version="1.0" encoding="UTF-8"?>
<!--CIRP V1.0 (10-04-2026)-->
<xbrli:xbrl xmlns:in-capmkt="https://www.sebi.gov.in/xbrl/2023-09-30/in-capmkt" xmlns:in-capmkt-ent="https://www.sebi.gov.in/xbrl/Corporate_Insolvency_Resolution_Process/2023-09-30/in-capmkt/in-capmkt-ent" xmlns:in-capmkt-roles="https://www.sebi.gov.in/xbrl/Corporate_Insolvency_Resolution_Process/2023-09-30/in-capmkt-roles" 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/2023-09-30/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.xbrl.org/2003/XLink"><link:schemaRef xlink:type="simple" xlink:href="in-capmkt-ent-2023-09-30.xsd"/><xbrli:context id="MainI"><xbrli:entity><xbrli:identifier scheme="https://www.sebi.gov.in/in-capmkt/NSESymbol">FCONSUMER</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2026-08-05</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="CorporateInsolvencyResolutionProcessEvent1D"><xbrli:entity><xbrli:identifier scheme="https://www.sebi.gov.in/in-capmkt/NSESymbol">FCONSUMER</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2026-08-05</xbrli:startDate><xbrli:endDate>2026-08-05</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:CorporateInsolvencyResolutionProcessEventAxis">in-capmkt:CorporateInsolvencyResolutionProcessEvent1Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context><xbrli:context id="I_PriorOrPostFactoIntimationOfTheMeetingsOfCommitteeOfCreditors_Agenda_1"><xbrli:entity><xbrli:identifier scheme="https://www.sebi.gov.in/in-capmkt/NSESymbol">FCONSUMER</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2026-08-05</xbrli:instant></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:CorporateInsolvencyResolutionProcessAxis">in-capmkt:PriorOrPostFactoIntimationOfTheMeetingsOfCommitteeOfCreditorsMember</xbrldi:explicitMember><xbrldi:typedMember dimension="in-capmkt:AgendaAxis"><in-capmkt:AgendaDomain>AgendaDomain1</in-capmkt:AgendaDomain></xbrldi:typedMember></xbrli:scenario></xbrli:context><xbrli:context id="I_PriorOrPostFactoIntimationOfTheMeetingsOfCommitteeOfCreditors_Agenda_2"><xbrli:entity><xbrli:identifier scheme="https://www.sebi.gov.in/in-capmkt/NSESymbol">FCONSUMER</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2026-08-05</xbrli:instant></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:CorporateInsolvencyResolutionProcessAxis">in-capmkt:PriorOrPostFactoIntimationOfTheMeetingsOfCommitteeOfCreditorsMember</xbrldi:explicitMember><xbrldi:typedMember dimension="in-capmkt:AgendaAxis"><in-capmkt:AgendaDomain>AgendaDomain2</in-capmkt:AgendaDomain></xbrldi:typedMember></xbrli:scenario></xbrli:context><xbrli:context id="I_PriorOrPostFactoIntimationOfTheMeetingsOfCommitteeOfCreditors_Agenda_3"><xbrli:entity><xbrli:identifier scheme="https://www.sebi.gov.in/in-capmkt/NSESymbol">FCONSUMER</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2026-08-05</xbrli:instant></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:CorporateInsolvencyResolutionProcessAxis">in-capmkt:PriorOrPostFactoIntimationOfTheMeetingsOfCommitteeOfCreditorsMember</xbrldi:explicitMember><xbrldi:typedMember dimension="in-capmkt:AgendaAxis"><in-capmkt:AgendaDomain>AgendaDomain3</in-capmkt:AgendaDomain></xbrldi:typedMember></xbrli:scenario></xbrli:context><xbrli:context id="I_PriorOrPostFactoIntimationOfTheMeetingsOfCommitteeOfCreditors_Agenda_4"><xbrli:entity><xbrli:identifier scheme="https://www.sebi.gov.in/in-capmkt/NSESymbol">FCONSUMER</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2026-08-05</xbrli:instant></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:CorporateInsolvencyResolutionProcessAxis">in-capmkt:PriorOrPostFactoIntimationOfTheMeetingsOfCommitteeOfCreditorsMember</xbrldi:explicitMember><xbrldi:typedMember dimension="in-capmkt:AgendaAxis"><in-capmkt:AgendaDomain>AgendaDomain4</in-capmkt:AgendaDomain></xbrldi:typedMember></xbrli:scenario></xbrli:context><xbrli:context id="I_PriorOrPostFactoIntimationOfTheMeetingsOfCommitteeOfCreditors_Agenda_5"><xbrli:entity><xbrli:identifier scheme="https://www.sebi.gov.in/in-capmkt/NSESymbol">FCONSUMER</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2026-08-05</xbrli:instant></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:CorporateInsolvencyResolutionProcessAxis">in-capmkt:PriorOrPostFactoIntimationOfTheMeetingsOfCommitteeOfCreditorsMember</xbrldi:explicitMember><xbrldi:typedMember dimension="in-capmkt:AgendaAxis"><in-capmkt:AgendaDomain>AgendaDomain5</in-capmkt:AgendaDomain></xbrldi:typedMember></xbrli:scenario></xbrli:context><xbrli:context id="I_PriorOrPostFactoIntimationOfTheMeetingsOfCommitteeOfCreditors_Agenda_6"><xbrli:entity><xbrli:identifier scheme="https://www.sebi.gov.in/in-capmkt/NSESymbol">FCONSUMER</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2026-08-05</xbrli:instant></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:CorporateInsolvencyResolutionProcessAxis">in-capmkt:PriorOrPostFactoIntimationOfTheMeetingsOfCommitteeOfCreditorsMember</xbrldi:explicitMember><xbrldi:typedMember dimension="in-capmkt:AgendaAxis"><in-capmkt:AgendaDomain>AgendaDomain6</in-capmkt:AgendaDomain></xbrldi:typedMember></xbrli:scenario></xbrli:context><xbrli:context id="I_PriorOrPostFactoIntimationOfTheMeetingsOfCommitteeOfCreditors_Agenda_7"><xbrli:entity><xbrli:identifier scheme="https://www.sebi.gov.in/in-capmkt/NSESymbol">FCONSUMER</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2026-08-05</xbrli:instant></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:CorporateInsolvencyResolutionProcessAxis">in-capmkt:PriorOrPostFactoIntimationOfTheMeetingsOfCommitteeOfCreditorsMember</xbrldi:explicitMember><xbrldi:typedMember dimension="in-capmkt:AgendaAxis"><in-capmkt:AgendaDomain>AgendaDomain7</in-capmkt:AgendaDomain></xbrldi:typedMember></xbrli:scenario></xbrli:context><xbrli:context id="I_PriorOrPostFactoIntimationOfTheMeetingsOfCommitteeOfCreditors_Agenda_8"><xbrli:entity><xbrli:identifier scheme="https://www.sebi.gov.in/in-capmkt/NSESymbol">FCONSUMER</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2026-08-05</xbrli:instant></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:CorporateInsolvencyResolutionProcessAxis">in-capmkt:PriorOrPostFactoIntimationOfTheMeetingsOfCommitteeOfCreditorsMember</xbrldi:explicitMember><xbrldi:typedMember dimension="in-capmkt:AgendaAxis"><in-capmkt:AgendaDomain>AgendaDomain8</in-capmkt:AgendaDomain></xbrldi:typedMember></xbrli:scenario></xbrli:context><xbrli:context id="I_PriorOrPostFactoIntimationOfTheMeetingsOfCommitteeOfCreditors_Agenda_9"><xbrli:entity><xbrli:identifier scheme="https://www.sebi.gov.in/in-capmkt/NSESymbol">FCONSUMER</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2026-08-05</xbrli:instant></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:CorporateInsolvencyResolutionProcessAxis">in-capmkt:PriorOrPostFactoIntimationOfTheMeetingsOfCommitteeOfCreditorsMember</xbrldi:explicitMember><xbrldi:typedMember dimension="in-capmkt:AgendaAxis"><in-capmkt:AgendaDomain>AgendaDomain9</in-capmkt:AgendaDomain></xbrldi:typedMember></xbrli:scenario></xbrli:context><xbrli:context id="I_PriorOrPostFactoIntimationOfTheMeetingsOfCommitteeOfCreditors_Agenda_10"><xbrli:entity><xbrli:identifier scheme="https://www.sebi.gov.in/in-capmkt/NSESymbol">FCONSUMER</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2026-08-05</xbrli:instant></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:CorporateInsolvencyResolutionProcessAxis">in-capmkt:PriorOrPostFactoIntimationOfTheMeetingsOfCommitteeOfCreditorsMember</xbrldi:explicitMember><xbrldi:typedMember dimension="in-capmkt:AgendaAxis"><in-capmkt:AgendaDomain>AgendaDomain10</in-capmkt:AgendaDomain></xbrldi:typedMember></xbrli:scenario></xbrli:context><xbrli:context id="PriorOrPostFactoIntimationOfTheMeetingsOfCommitteeOfCreditors_D"><xbrli:entity><xbrli:identifier scheme="https://www.sebi.gov.in/in-capmkt/NSESymbol">FCONSUMER</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2026-08-05</xbrli:startDate><xbrli:endDate>2026-08-05</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:CorporateInsolvencyResolutionProcessAxis">in-capmkt:PriorOrPostFactoIntimationOfTheMeetingsOfCommitteeOfCreditorsMember</xbrldi:explicitMember></xbrli:scenario></xbrli:context><xbrli:context id="PriorOrPostFactoIntimationOfTheMeetingsOfCommitteeOfCreditors_I"><xbrli:entity><xbrli:identifier scheme="https://www.sebi.gov.in/in-capmkt/NSESymbol">FCONSUMER</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2026-08-05</xbrli:instant></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:CorporateInsolvencyResolutionProcessAxis">in-capmkt:PriorOrPostFactoIntimationOfTheMeetingsOfCommitteeOfCreditorsMember</xbrldi:explicitMember></xbrli:scenario></xbrli:context><xbrli:unit id="pure"><xbrli:measure>xbrli:pure</xbrli:measure></xbrli:unit><in-capmkt:NameOfTheCompany contextRef="MainI">FUTURE CONSUMER LIMITED</in-capmkt:NameOfTheCompany><in-capmkt:NSESymbol contextRef="MainI">FCONSUMER</in-capmkt:NSESymbol><in-capmkt:ISIN contextRef="MainI">INE220J01025</in-capmkt:ISIN><in-capmkt:TypeOfAnnouncement contextRef="MainI">New</in-capmkt:TypeOfAnnouncement><in-capmkt:TypeOfCorporateInsolvencyResolutionProcessEvent contextRef="CorporateInsolvencyResolutionProcessEvent1D">Prior or Post-facto intimation of the meetings of Committee of Creditors</in-capmkt:TypeOfCorporateInsolvencyResolutionProcessEvent><in-capmkt:DateOfReport contextRef="MainI">2026-08-05</in-capmkt:DateOfReport><in-capmkt:TypeOfSubEventOfPriorOrPostFactoIntimation contextRef="PriorOrPostFactoIntimationOfTheMeetingsOfCommitteeOfCreditors_D">Prior Intimation</in-capmkt:TypeOfSubEventOfPriorOrPostFactoIntimation><in-capmkt:DateOfMeetingsOfCommitteeOfCreditors contextRef="PriorOrPostFactoIntimationOfTheMeetingsOfCommitteeOfCreditors_I">2026-08-06</in-capmkt:DateOfMeetingsOfCommitteeOfCreditors><in-capmkt:NumberOfCommitteeOfCreditors contextRef="PriorOrPostFactoIntimationOfTheMeetingsOfCommitteeOfCreditors_I" unitRef="pure" decimals="0">1</in-capmkt:NumberOfCommitteeOfCreditors><in-capmkt:AgendaItem contextRef="I_PriorOrPostFactoIntimationOfTheMeetingsOfCommitteeOfCreditors_Agenda_1">1</in-capmkt:AgendaItem><in-capmkt:DescriptionOfTheItem contextRef="I_PriorOrPostFactoIntimationOfTheMeetingsOfCommitteeOfCreditors_Agenda_1">To consider and approve the reduction in the time of the notice period from 5 days to 2 days as per Regulation 19 of CIRP Regulations for calling the meeting of Committee of Creditors.</in-capmkt:DescriptionOfTheItem><in-capmkt:AgendaItem contextRef="I_PriorOrPostFactoIntimationOfTheMeetingsOfCommitteeOfCreditors_Agenda_2">2</in-capmkt:AgendaItem><in-capmkt:DescriptionOfTheItem contextRef="I_PriorOrPostFactoIntimationOfTheMeetingsOfCommitteeOfCreditors_Agenda_2">To consider and ratify the remuneration of the Interim Resolution Professional and reimbursement of the expenses incurred by the Interim Resolution Professional till the date of the meeting.</in-capmkt:DescriptionOfTheItem><in-capmkt:AgendaItem contextRef="I_PriorOrPostFactoIntimationOfTheMeetingsOfCommitteeOfCreditors_Agenda_3">3</in-capmkt:AgendaItem><in-capmkt:DescriptionOfTheItem contextRef="I_PriorOrPostFactoIntimationOfTheMeetingsOfCommitteeOfCreditors_Agenda_3">To consider and approve the appointment of Interim Resolution Professional as the Resolution Professional and to fix the remuneration and expenses, which shall constitute CIRP costs or to replace IRP by another Resolution Professional as per section 22 (2) of Insolvency &amp; Bankruptcy Code, 2016.</in-capmkt:DescriptionOfTheItem><in-capmkt:AgendaItem contextRef="I_PriorOrPostFactoIntimationOfTheMeetingsOfCommitteeOfCreditors_Agenda_4">4</in-capmkt:AgendaItem><in-capmkt:DescriptionOfTheItem contextRef="I_PriorOrPostFactoIntimationOfTheMeetingsOfCommitteeOfCreditors_Agenda_4">To ratify the cost of Public Announcement as per Regulation 6(3) of the Insolvency and Bankruptcy Board of India (Insolvency Resolution Process for Corporate Persons) Regulations, 2016 which shall constitute Corporate Insolvency Resolution Process Cost.</in-capmkt:DescriptionOfTheItem><in-capmkt:AgendaItem contextRef="I_PriorOrPostFactoIntimationOfTheMeetingsOfCommitteeOfCreditors_Agenda_5">5</in-capmkt:AgendaItem><in-capmkt:DescriptionOfTheItem contextRef="I_PriorOrPostFactoIntimationOfTheMeetingsOfCommitteeOfCreditors_Agenda_5">To ratify the cost of Advocate Rakesh Gupta for Drafting, filing and appearance for placing on records report certifying Constitution of Committee of Creditors and list of creditors before the Hon’ble NCLT, Mumbai Bench.</in-capmkt:DescriptionOfTheItem><in-capmkt:AgendaItem contextRef="I_PriorOrPostFactoIntimationOfTheMeetingsOfCommitteeOfCreditors_Agenda_6">6</in-capmkt:AgendaItem><in-capmkt:DescriptionOfTheItem contextRef="I_PriorOrPostFactoIntimationOfTheMeetingsOfCommitteeOfCreditors_Agenda_6">To consider and approve the appointment of Registered Valuers and fix their remuneration and expenses as per the provisions of the Insolvency and Bankruptcy Code, 2016.</in-capmkt:DescriptionOfTheItem><in-capmkt:AgendaItem contextRef="I_PriorOrPostFactoIntimationOfTheMeetingsOfCommitteeOfCreditors_Agenda_7">7</in-capmkt:AgendaItem><in-capmkt:DescriptionOfTheItem contextRef="I_PriorOrPostFactoIntimationOfTheMeetingsOfCommitteeOfCreditors_Agenda_7">To consider and approve the appointment of Transaction Auditor and fix their remuneration and expenses as per the provisions of the Insolvency and Bankruptcy Code, 2016.</in-capmkt:DescriptionOfTheItem><in-capmkt:AgendaItem contextRef="I_PriorOrPostFactoIntimationOfTheMeetingsOfCommitteeOfCreditors_Agenda_8">8</in-capmkt:AgendaItem><in-capmkt:DescriptionOfTheItem contextRef="I_PriorOrPostFactoIntimationOfTheMeetingsOfCommitteeOfCreditors_Agenda_8">To consider and approve appointment of Legal Counsel to assist the Interim Resolution Professional/Resolution Professional during the Corporate Insolvency Resolution Process and fix their remuneration and expenses</in-capmkt:DescriptionOfTheItem><in-capmkt:AgendaItem contextRef="I_PriorOrPostFactoIntimationOfTheMeetingsOfCommitteeOfCreditors_Agenda_9">9</in-capmkt:AgendaItem><in-capmkt:DescriptionOfTheItem contextRef="I_PriorOrPostFactoIntimationOfTheMeetingsOfCommitteeOfCreditors_Agenda_9">To consider, discuss and approve the insolvency resolution process costs as per regulation 31B of the Insolvency and Bankruptcy Board of India (Insolvency Resolution Process for Corporate Persons) 2016.</in-capmkt:DescriptionOfTheItem><in-capmkt:AgendaItem contextRef="I_PriorOrPostFactoIntimationOfTheMeetingsOfCommitteeOfCreditors_Agenda_10">10</in-capmkt:AgendaItem><in-capmkt:DescriptionOfTheItem contextRef="I_PriorOrPostFactoIntimationOfTheMeetingsOfCommitteeOfCreditors_Agenda_10">To consider, discuss and approve the estimated insolvency resolution process costs till the next CoC meeting as per regulation 31B of the Insolvency and Bankruptcy Board of India (Insolvency Resolution Process for Corporate Persons) 2016.</in-capmkt:DescriptionOfTheItem></xbrli:xbrl>
