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<xbrli:xbrl xmlns:in-capmkt="https://www.sebi.gov.in/xbrl/2023-05-31/in-capmkt" xmlns:in-capmkt-ent="https://www.sebi.gov.in/xbrl/Prior_Intimation_Of_Board_Meeting/2023-05-31/in-capmkt/in-capmkt-ent" xmlns:in-capmkt-roles="https://www.sebi.gov.in/xbrl/Prior_Intimation_Of_Board_Meeting/2023-05-31/in-capmkt-roles" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric" xmlns:in-capmkt-type="https://www.sebi.gov.in/xbrl/2023-05-31/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-2023-05-31.xsd"/><xbrli:context id="MainI"><xbrli:entity><xbrli:identifier scheme="https://www.sebi.gov.in/in-capmkt/NSESymbol">DCCL</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2026-06-12</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="MainD"><xbrli:entity><xbrli:identifier scheme="https://www.sebi.gov.in/in-capmkt/NSESymbol">DCCL</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2026-06-12</xbrli:startDate><xbrli:endDate>2026-06-12</xbrli:endDate></xbrli:period></xbrli:context><in-capmkt:NSESymbol contextRef="MainI">DCCL</in-capmkt:NSESymbol><in-capmkt:NameOfTheCompany contextRef="MainI">Dar Credit &amp; Capital Limited</in-capmkt:NameOfTheCompany><in-capmkt:WhetherCompanyIsSME contextRef="MainD">true</in-capmkt:WhetherCompanyIsSME><in-capmkt:ISIN contextRef="MainI">INE04Q901010</in-capmkt:ISIN><in-capmkt:TypeOfMeeting contextRef="MainI">Board Meeting</in-capmkt:TypeOfMeeting><in-capmkt:TypeOfIntimation contextRef="MainD">New</in-capmkt:TypeOfIntimation><in-capmkt:DateOfProposedMeeting contextRef="MainD">2026-06-17</in-capmkt:DateOfProposedMeeting><in-capmkt:WhetherTradingWindowIsClosed contextRef="MainD">true</in-capmkt:WhetherTradingWindowIsClosed><in-capmkt:DateOfStartOfTradingWindowClosure contextRef="MainI">2026-06-12</in-capmkt:DateOfStartOfTradingWindowClosure><in-capmkt:DetailsOfDateOfEndOfTradingWindowClosure contextRef="MainI">till 48 hours from the conclusion of the Board Meeting.</in-capmkt:DetailsOfDateOfEndOfTradingWindowClosure><in-capmkt:DateOfReport contextRef="MainI">2026-06-12</in-capmkt:DateOfReport><in-capmkt:Agenda1 contextRef="MainD">Fund raising</in-capmkt:Agenda1><in-capmkt:Agenda2 contextRef="MainD">Dividend</in-capmkt:Agenda2><in-capmkt:Agenda3 contextRef="MainD">Other business</in-capmkt:Agenda3><in-capmkt:ModeOfRaisingFunds contextRef="MainD">Debt issue</in-capmkt:ModeOfRaisingFunds><in-capmkt:TypeOfDividend contextRef="MainD">Final</in-capmkt:TypeOfDividend><in-capmkt:RemarksWebsiteDissemination contextRef="MainI">Fixation of Record date for the purpose of Dividend and for any other business delegation of powers of the board to the FMC Committee. Further in fund raising BOD provide the blanket approval for the issuance of NCDs to the said Committee. Furthermore, the details of the same will shared in the Outcome of the Board Meeting.</in-capmkt:RemarksWebsiteDissemination></xbrli:xbrl>
