<?xml version="1.0" encoding="UTF-8"?>
<xbrli:xbrl xmlns:in-capmkt="http://www.bseindia.com/xbrl/2020-03-31/in-capmkt" xmlns:in-capmkt-ent="http://www.bseindia.com/xbrl/GeneralInsurance/2020-03-31/in-capmkt/in-capmkt-ent" xmlns:in-capmkt-roles="http://www.bseindia.com/xbrl/GeneralInsurance/2020-03-31/in-capmkt-roles" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric" 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-2020-03-31.xsd"/>
<xbrli:context id="OneD"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">NIACL</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-04-01</xbrli:startDate><xbrli:endDate>2024-06-30</xbrli:endDate></xbrli:period></xbrli:context>
<xbrli:context id="OneI"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">NIACL</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2024-06-30</xbrli:instant></xbrli:period></xbrli:context>
<xbrli:context id="OneOtherIncome01MemberD"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">NIACL</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-04-01</xbrli:startDate><xbrli:endDate>2024-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:DetailsOfOtherIncomeAxis">OtherIncome1Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneOtherOperatingExpenses01MemberD"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">NIACL</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-04-01</xbrli:startDate><xbrli:endDate>2024-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:DetailsOfOtherOperatingExpensesAxis">OtherOperatingExpenses1Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneShareholdersAccountOtherIncome01MemberD"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">NIACL</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-04-01</xbrli:startDate><xbrli:endDate>2024-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:DetailsOfShareholdersAccountOtherIncomeAxis">ShareholdersAccountOtherIncome1Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="FireContextOneD"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">NIACL</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-04-01</xbrli:startDate><xbrli:endDate>2024-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:SegmentRevenueAxis">in-capmkt:FireMember</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="MarineContextOneD"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">NIACL</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-04-01</xbrli:startDate><xbrli:endDate>2024-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:SegmentRevenueAxis">in-capmkt:MarineMember</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="HealthIncludingPersonalAccidentContextOneD"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">NIACL</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-04-01</xbrli:startDate><xbrli:endDate>2024-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:SegmentRevenueAxis">in-capmkt:HealthIncludingPersonalAccidentMember</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="MotorContextOneD"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">NIACL</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-04-01</xbrli:startDate><xbrli:endDate>2024-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:SegmentRevenueAxis">in-capmkt:MotorMember</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="FireContextPremiumDefOneD"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">NIACL</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-04-01</xbrli:startDate><xbrli:endDate>2024-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:SegmentPremiumDeficiencyAxis">in-capmkt:FireMember</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="MarineContextPremiumDefOneD"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">NIACL</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-04-01</xbrli:startDate><xbrli:endDate>2024-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:SegmentPremiumDeficiencyAxis">in-capmkt:MarineMember</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="HealthIncludingPersonalAccidentContextPremiumDefOneD"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">NIACL</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-04-01</xbrli:startDate><xbrli:endDate>2024-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:SegmentPremiumDeficiencyAxis">in-capmkt:HealthIncludingPersonalAccidentMember</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="MotorContextPremiumDefOneD"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">NIACL</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-04-01</xbrli:startDate><xbrli:endDate>2024-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:SegmentPremiumDeficiencyAxis">in-capmkt:MotorMember</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OtherReportableSegments01ContextPremiumDefOneD"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">NIACL</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-04-01</xbrli:startDate><xbrli:endDate>2024-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:SegmentPremiumDeficiencyAxis">in-capmkt:OtherReportableSegments1Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OtherReportableSegments02ContextPremiumDefOneD"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">NIACL</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-04-01</xbrli:startDate><xbrli:endDate>2024-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:SegmentPremiumDeficiencyAxis">in-capmkt:OtherReportableSegments2Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OtherReportableSegments03ContextPremiumDefOneD"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">NIACL</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-04-01</xbrli:startDate><xbrli:endDate>2024-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:SegmentPremiumDeficiencyAxis">in-capmkt:OtherReportableSegments3Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OtherReportableSegments04ContextPremiumDefOneD"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">NIACL</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-04-01</xbrli:startDate><xbrli:endDate>2024-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:SegmentPremiumDeficiencyAxis">in-capmkt:OtherReportableSegments4Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OtherReportableSegments05ContextPremiumDefOneD"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">NIACL</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-04-01</xbrli:startDate><xbrli:endDate>2024-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:SegmentPremiumDeficiencyAxis">in-capmkt:OtherReportableSegments5Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="UnallocatedContextPremiumDefOneD"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">NIACL</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-04-01</xbrli:startDate><xbrli:endDate>2024-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:SegmentPremiumDeficiencyAxis">in-capmkt:UnallocatedMember</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="FireContextUnderwritingProfLossOneD"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">NIACL</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-04-01</xbrli:startDate><xbrli:endDate>2024-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:SegmentUnderwritingProfitOrLossAxis">in-capmkt:FireMember</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="MarineContextUnderwritingProfLossOneD"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">NIACL</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-04-01</xbrli:startDate><xbrli:endDate>2024-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:SegmentUnderwritingProfitOrLossAxis">in-capmkt:MarineMember</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="HealthIncludingPersonalAccidentContextUnderwritingProfLossOneD"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">NIACL</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-04-01</xbrli:startDate><xbrli:endDate>2024-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:SegmentUnderwritingProfitOrLossAxis">in-capmkt:HealthIncludingPersonalAccidentMember</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="MotorContextUnderwritingProfLossOneD"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">NIACL</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-04-01</xbrli:startDate><xbrli:endDate>2024-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:SegmentUnderwritingProfitOrLossAxis">in-capmkt:MotorMember</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OtherReportableSegments01ContextUnderwritingProfLossOneD"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">NIACL</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-04-01</xbrli:startDate><xbrli:endDate>2024-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:SegmentUnderwritingProfitOrLossAxis">in-capmkt:OtherReportableSegments1Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OtherReportableSegments02ContextUnderwritingProfLossOneD"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">NIACL</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-04-01</xbrli:startDate><xbrli:endDate>2024-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:SegmentUnderwritingProfitOrLossAxis">in-capmkt:OtherReportableSegments2Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OtherReportableSegments03ContextUnderwritingProfLossOneD"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">NIACL</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-04-01</xbrli:startDate><xbrli:endDate>2024-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:SegmentUnderwritingProfitOrLossAxis">in-capmkt:OtherReportableSegments3Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OtherReportableSegments04ContextUnderwritingProfLossOneD"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">NIACL</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-04-01</xbrli:startDate><xbrli:endDate>2024-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:SegmentUnderwritingProfitOrLossAxis">in-capmkt:OtherReportableSegments4Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OtherReportableSegments05ContextUnderwritingProfLossOneD"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">NIACL</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-04-01</xbrli:startDate><xbrli:endDate>2024-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:SegmentUnderwritingProfitOrLossAxis">in-capmkt:OtherReportableSegments5Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="UnallocatedContextUnderwritingProfLossOneD"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">NIACL</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-04-01</xbrli:startDate><xbrli:endDate>2024-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:SegmentUnderwritingProfitOrLossAxis">in-capmkt:UnallocatedMember</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="FireContextOperatingPLOneD"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">NIACL</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-04-01</xbrli:startDate><xbrli:endDate>2024-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:SegmentOperatingProfitOrLossAxis">in-capmkt:FireMember</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="MarineContextOperatingPLOneD"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">NIACL</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-04-01</xbrli:startDate><xbrli:endDate>2024-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:SegmentOperatingProfitOrLossAxis">in-capmkt:MarineMember</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="HealthIncludingPersonalAccidentContextOperatingPLOneD"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">NIACL</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-04-01</xbrli:startDate><xbrli:endDate>2024-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:SegmentOperatingProfitOrLossAxis">in-capmkt:HealthIncludingPersonalAccidentMember</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="MotorContextOperatingPLOneD"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">NIACL</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-04-01</xbrli:startDate><xbrli:endDate>2024-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:SegmentOperatingProfitOrLossAxis">in-capmkt:MotorMember</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OtherReportableSegments01ContextOperatingPLOneD"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">NIACL</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-04-01</xbrli:startDate><xbrli:endDate>2024-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:SegmentOperatingProfitOrLossAxis">in-capmkt:OtherReportableSegments1Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OtherReportableSegments02ContextOperatingPLOneD"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">NIACL</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-04-01</xbrli:startDate><xbrli:endDate>2024-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:SegmentOperatingProfitOrLossAxis">in-capmkt:OtherReportableSegments2Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OtherReportableSegments03ContextOperatingPLOneD"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">NIACL</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-04-01</xbrli:startDate><xbrli:endDate>2024-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:SegmentOperatingProfitOrLossAxis">in-capmkt:OtherReportableSegments3Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OtherReportableSegments04ContextOperatingPLOneD"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">NIACL</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-04-01</xbrli:startDate><xbrli:endDate>2024-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:SegmentOperatingProfitOrLossAxis">in-capmkt:OtherReportableSegments4Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OtherReportableSegments05ContextOperatingPLOneD"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">NIACL</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-04-01</xbrli:startDate><xbrli:endDate>2024-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:SegmentOperatingProfitOrLossAxis">in-capmkt:OtherReportableSegments5Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="UnallocatedContextOperatingPLOneD"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">NIACL</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-04-01</xbrli:startDate><xbrli:endDate>2024-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:SegmentOperatingProfitOrLossAxis">in-capmkt:UnallocatedMember</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="FireContextTechLiabilityOneI"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">NIACL</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2024-06-30</xbrli:instant></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:SegmentTechnicalLiabilitiesUnexpiredRiskReserveNetAxis">in-capmkt:FireMember</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="MarineContextTechLiabilityOneI"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">NIACL</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2024-06-30</xbrli:instant></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:SegmentTechnicalLiabilitiesUnexpiredRiskReserveNetAxis">in-capmkt:MarineMember</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
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<in-capmkt:DescriptionOfReportableSegments contextRef="OtherReportableSegments03ContextUnderwritingProfLossOneD">Engineering</in-capmkt:DescriptionOfReportableSegments>
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<in-capmkt:DescriptionOfReportableSegments contextRef="OtherReportableSegments04ContextUnderwritingProfLossOneD">Crop</in-capmkt:DescriptionOfReportableSegments>
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<in-capmkt:DescriptionOfReportableSegments contextRef="OtherReportableSegments04ContextOperatingPLOneD">Crop</in-capmkt:DescriptionOfReportableSegments>
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<in-capmkt:DescriptionOfReportableSegments contextRef="OtherReportableSegments04ContextTechLiabilityOneD">Crop</in-capmkt:DescriptionOfReportableSegments>
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