<?xml version="1.0" encoding="UTF-8"?>
<xbrli:xbrl xmlns:in-bse-fin="http://www.bseindia.com/xbrl/fin/2020-03-31/in-bse-fin" xmlns:in-bse-fin-roles="http://www.bseindia.com/xbrl/fin/2020-03-31/in-bse-fin-roles" xmlns:in-bse-fin-ent="http://www.bseindia.com/xbrl/fin/2020-03-31/in-bse-fin/in-bse-fin-ent" xmlns:in-bse-fin-type="http://www.bseindia.com/xbrl/fin/2020-03-31/in-bse-fin-types" 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="Ind-AS_entry_point_2020-03-31.xsd"/>
<xbrli:context id="OneD"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">MUTHOOTMF</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2023-10-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context>
<xbrli:context id="FourD"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">MUTHOOTMF</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2023-10-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context>
<xbrli:context id="OneOperatingExpenses01D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">MUTHOOTMF</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2023-10-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:DetailsOfOtherExpensesAxis">in-bse-fin:OneOperatingExpenses01Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="FourOperatingExpenses01D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">MUTHOOTMF</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2023-10-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:DetailsOfOtherExpensesAxis">in-bse-fin:FourOperatingExpenses01Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneI"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">MUTHOOTMF</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context>
<xbrli:context id="OneItemsThatWillNotBeReclassifiedToProfitAndLoss01D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">MUTHOOTMF</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2023-10-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:typedMember dimension="in-bse-fin:ItemsThatWillNotBeReclassifiedToProfitAndLossAxis"><ItemsThatWillNotBeReclassifiedToProfitAndLossDomain>in-bse-fin:OneItemsThatWillNotBeReclassifiedToProfitAndLoss01Member</ItemsThatWillNotBeReclassifiedToProfitAndLossDomain></xbrldi:typedMember></xbrli:scenario></xbrli:context>
<xbrli:context id="FourItemsThatWillNotBeReclassifiedToProfitAndLoss01D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">MUTHOOTMF</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2023-10-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:typedMember dimension="in-bse-fin:ItemsThatWillNotBeReclassifiedToProfitAndLossAxis"><ItemsThatWillNotBeReclassifiedToProfitAndLossDomain>in-bse-fin:FourItemsThatWillNotBeReclassifiedToProfitAndLoss01Member</ItemsThatWillNotBeReclassifiedToProfitAndLossDomain></xbrldi:typedMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneItemsThatWillBeReclassifiedToProfitAndLoss01D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">MUTHOOTMF</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2023-10-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:typedMember dimension="in-bse-fin:ItemsThatWillBeReclassifiedToProfitAndLossAxis"><ItemsThatWillBeReclassifiedToProfitAndLossDomain>in-bse-fin:OneItemsThatWillBeReclassifiedToProfitAndLoss01Member</ItemsThatWillBeReclassifiedToProfitAndLossDomain></xbrldi:typedMember></xbrli:scenario></xbrli:context>
<xbrli:context id="FourItemsThatWillBeReclassifiedToProfitAndLoss01D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">MUTHOOTMF</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2023-10-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:typedMember dimension="in-bse-fin:ItemsThatWillBeReclassifiedToProfitAndLossAxis"><ItemsThatWillBeReclassifiedToProfitAndLossDomain>in-bse-fin:FourItemsThatWillBeReclassifiedToProfitAndLoss01Member</ItemsThatWillBeReclassifiedToProfitAndLossDomain></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-bse-fin:ScripCode contextRef="OneD">544055</in-bse-fin:ScripCode>
<in-bse-fin:Symbol contextRef="OneD">MUTHOOTMF</in-bse-fin:Symbol>
<in-bse-fin:MSEISymbol contextRef="OneD">NOTLISTED</in-bse-fin:MSEISymbol>
<in-bse-fin:NameOfTheCompany contextRef="OneD">Muthoot Microfin Limited</in-bse-fin:NameOfTheCompany>
<in-bse-fin:ClassOfSecurity contextRef="OneD">Equity</in-bse-fin:ClassOfSecurity>
<in-bse-fin:DateOfStartOfFinancialYear contextRef="OneD">2023-04-01</in-bse-fin:DateOfStartOfFinancialYear>
<in-bse-fin:DateOfEndOfFinancialYear contextRef="OneD">2024-03-31</in-bse-fin:DateOfEndOfFinancialYear>
<in-bse-fin:DateOfBoardMeetingWhenFinancialResultsWereApproved contextRef="OneD">2024-01-29</in-bse-fin:DateOfBoardMeetingWhenFinancialResultsWereApproved>
<in-bse-fin:DateOnWhichPriorIntimationOfTheMeetingForConsideringFinancialResultsWasInformedToTheExchange contextRef="OneD">2024-01-15</in-bse-fin:DateOnWhichPriorIntimationOfTheMeetingForConsideringFinancialResultsWasInformedToTheExchange>
<in-bse-fin:DescriptionOfPresentationCurrency contextRef="OneD">INR</in-bse-fin:DescriptionOfPresentationCurrency>
<in-bse-fin:LevelOfRoundingUsedInFinancialStatements contextRef="OneD">Millions</in-bse-fin:LevelOfRoundingUsedInFinancialStatements>
<in-bse-fin:ReportingQuarter contextRef="OneD">Third quarter</in-bse-fin:ReportingQuarter>
<in-bse-fin:StartTimeOfBoardMeeting contextRef="OneD">20:00:00</in-bse-fin:StartTimeOfBoardMeeting>
<in-bse-fin:EndTimeOfBoardMeeting contextRef="OneD">21:00:00</in-bse-fin:EndTimeOfBoardMeeting>
<in-bse-fin:DateOfStartOfBoardMeeting contextRef="OneD">2024-01-29</in-bse-fin:DateOfStartOfBoardMeeting>
<in-bse-fin:DateOfEndOfBoardMeeting contextRef="OneD">2024-01-29</in-bse-fin:DateOfEndOfBoardMeeting>
<in-bse-fin:WhetherCashFlowStatementIsApplicableOnCompany contextRef="OneD">false</in-bse-fin:WhetherCashFlowStatementIsApplicableOnCompany>
<in-bse-fin:DeclarationOfUnmodifiedOpinionOrStatementOnImpactOfAuditQualification contextRef="OneD">Not applicable</in-bse-fin:DeclarationOfUnmodifiedOpinionOrStatementOnImpactOfAuditQualification>
<in-bse-fin:IsCompanyReportingMultisegmentOrSingleSegment contextRef="OneD">Single segment</in-bse-fin:IsCompanyReportingMultisegmentOrSingleSegment>
<in-bse-fin:DescriptionOfSingleSegment contextRef="OneD">Microfinance</in-bse-fin:DescriptionOfSingleSegment>
<in-bse-fin:DateOfStartOfReportingPeriod contextRef="OneD">2023-10-01</in-bse-fin:DateOfStartOfReportingPeriod>
<in-bse-fin:DateOfEndOfReportingPeriod contextRef="OneD">2023-12-31</in-bse-fin:DateOfEndOfReportingPeriod>
<in-bse-fin:WhetherResultsAreAuditedOrUnaudited contextRef="OneD">Unaudited</in-bse-fin:WhetherResultsAreAuditedOrUnaudited>
<in-bse-fin:NatureOfReportStandaloneConsolidated contextRef="OneD">Standalone</in-bse-fin:NatureOfReportStandaloneConsolidated>
<in-bse-fin:RevenueFromOperations contextRef="OneD" unitRef="INR" decimals="-6">5810446000.00</in-bse-fin:RevenueFromOperations>
<in-bse-fin:OtherIncome contextRef="OneD" unitRef="INR" decimals="-6">37823000.00</in-bse-fin:OtherIncome>
<in-bse-fin:Income contextRef="OneD" unitRef="INR" decimals="-6">5848269000.00</in-bse-fin:Income>
<in-bse-fin:CostOfMaterialsConsumed contextRef="OneD" unitRef="INR" decimals="-6">0.00</in-bse-fin:CostOfMaterialsConsumed>
<in-bse-fin:PurchasesOfStockInTrade contextRef="OneD" unitRef="INR" decimals="-6">0.00</in-bse-fin:PurchasesOfStockInTrade>
<in-bse-fin:ChangesInInventoriesOfFinishedGoodsWorkInProgressAndStockInTrade contextRef="OneD" unitRef="INR" decimals="-6">0.00</in-bse-fin:ChangesInInventoriesOfFinishedGoodsWorkInProgressAndStockInTrade>
<in-bse-fin:EmployeeBenefitExpense contextRef="OneD" unitRef="INR" decimals="-6">1140679000.00</in-bse-fin:EmployeeBenefitExpense>
<in-bse-fin:FinanceCosts contextRef="OneD" unitRef="INR" decimals="-6">2341185000.00</in-bse-fin:FinanceCosts>
<in-bse-fin:DepreciationDepletionAndAmortisationExpense contextRef="OneD" unitRef="INR" decimals="-6">92221000.00</in-bse-fin:DepreciationDepletionAndAmortisationExpense>
<in-bse-fin:OtherExpenses contextRef="OneD" unitRef="INR" decimals="-6">384990000.00</in-bse-fin:OtherExpenses>
<in-bse-fin:Expenses contextRef="OneD" unitRef="INR" decimals="-6">4549852000.00</in-bse-fin:Expenses>
<in-bse-fin:ProfitBeforeExceptionalItemsAndTax contextRef="OneD" unitRef="INR" decimals="-6">1298417000.00</in-bse-fin:ProfitBeforeExceptionalItemsAndTax>
<in-bse-fin:ExceptionalItemsBeforeTax contextRef="OneD" unitRef="INR" decimals="-6">0.00</in-bse-fin:ExceptionalItemsBeforeTax>
<in-bse-fin:ProfitBeforeTax contextRef="OneD" unitRef="INR" decimals="-6">1298417000.00</in-bse-fin:ProfitBeforeTax>
<in-bse-fin:CurrentTax contextRef="OneD" unitRef="INR" decimals="-6">82320000.00</in-bse-fin:CurrentTax>
<in-bse-fin:DeferredTax contextRef="OneD" unitRef="INR" decimals="-6">-29570000.00</in-bse-fin:DeferredTax>
<in-bse-fin:TaxExpense contextRef="OneD" unitRef="INR" decimals="-6">52750000.00</in-bse-fin:TaxExpense>
<in-bse-fin:ProfitLossForPeriodFromContinuingOperations contextRef="OneD" unitRef="INR" decimals="-6">1245667000.00</in-bse-fin:ProfitLossForPeriodFromContinuingOperations>
<in-bse-fin:ProfitLossFromDiscontinuedOperationsBeforeTax contextRef="OneD" unitRef="INR" decimals="-6">0.00</in-bse-fin:ProfitLossFromDiscontinuedOperationsBeforeTax>
<in-bse-fin:TaxExpenseOfDiscontinuedOperations contextRef="OneD" unitRef="INR" decimals="-6">0.00</in-bse-fin:TaxExpenseOfDiscontinuedOperations>
<in-bse-fin:ProfitLossFromDiscontinuedOperationsAfterTax contextRef="OneD" unitRef="INR" decimals="-6">0.00</in-bse-fin:ProfitLossFromDiscontinuedOperationsAfterTax>
<in-bse-fin:ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod contextRef="OneD" unitRef="INR" decimals="-6">0.00</in-bse-fin:ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod>
<in-bse-fin:ProfitLossForPeriod contextRef="OneD" unitRef="INR" decimals="-6">1245667000.00</in-bse-fin:ProfitLossForPeriod>
<in-bse-fin:OtherComprehensiveIncomeNetOfTaxes contextRef="OneD" unitRef="INR" decimals="-6">42551000.00</in-bse-fin:OtherComprehensiveIncomeNetOfTaxes>
<in-bse-fin:ComprehensiveIncomeForThePeriod contextRef="OneD" unitRef="INR" decimals="-6">1288218000.00</in-bse-fin:ComprehensiveIncomeForThePeriod>
<in-bse-fin:ComprehensiveIncomeForThePeriodAttributableToOwnersOfParent contextRef="OneD" unitRef="INR" decimals="-6">0.00</in-bse-fin:ComprehensiveIncomeForThePeriodAttributableToOwnersOfParent>
<in-bse-fin:ComprehensiveIncomeForThePeriodAttributableToOwnersOfParentNonControllingInterests contextRef="OneD" unitRef="INR" decimals="-6">0.00</in-bse-fin:ComprehensiveIncomeForThePeriodAttributableToOwnersOfParentNonControllingInterests>
<in-bse-fin:PaidUpValueOfEquityShareCapital contextRef="OneD" unitRef="INR" decimals="-6">1704930000.00</in-bse-fin:PaidUpValueOfEquityShareCapital>
<in-bse-fin:FaceValueOfEquityShareCapital contextRef="OneD" unitRef="INRPerShare" decimals="INF">10</in-bse-fin:FaceValueOfEquityShareCapital>
<in-bse-fin:BasicEarningsLossPerShareFromContinuingOperations contextRef="OneD" unitRef="INRPerShare" decimals="INF">8.61</in-bse-fin:BasicEarningsLossPerShareFromContinuingOperations>
<in-bse-fin:DilutedEarningsLossPerShareFromContinuingOperations contextRef="OneD" unitRef="INRPerShare" decimals="INF">8.61</in-bse-fin:DilutedEarningsLossPerShareFromContinuingOperations>
<in-bse-fin:BasicEarningsLossPerShareFromDiscontinuedOperations contextRef="OneD" unitRef="INRPerShare" decimals="INF">0.00</in-bse-fin:BasicEarningsLossPerShareFromDiscontinuedOperations>
<in-bse-fin:DilutedEarningsLossPerShareFromDiscontinuedOperations contextRef="OneD" unitRef="INRPerShare" decimals="INF">0.00</in-bse-fin:DilutedEarningsLossPerShareFromDiscontinuedOperations>
<in-bse-fin:BasicEarningsLossPerShareFromContinuingAndDiscontinuedOperations contextRef="OneD" unitRef="INRPerShare" decimals="INF">8.61</in-bse-fin:BasicEarningsLossPerShareFromContinuingAndDiscontinuedOperations>
<in-bse-fin:DilutedEarningsLossPerShareFromContinuingAndDiscontinuedOperations contextRef="OneD" unitRef="INRPerShare" decimals="INF">8.61</in-bse-fin:DilutedEarningsLossPerShareFromContinuingAndDiscontinuedOperations>
<in-bse-fin:DebtEquityRatio contextRef="OneD" unitRef="pure" decimals="INF">0.03</in-bse-fin:DebtEquityRatio>
<in-bse-fin:DebtServiceCoverageRatio contextRef="OneD" unitRef="pure" decimals="INF">0.00</in-bse-fin:DebtServiceCoverageRatio>
<in-bse-fin:InterestServiceCoverageRatio contextRef="OneD" unitRef="pure" decimals="INF">0.02</in-bse-fin:InterestServiceCoverageRatio>
<in-bse-fin:IsCompanyReportingMultisegmentOrSingleSegment contextRef="FourD">Single segment</in-bse-fin:IsCompanyReportingMultisegmentOrSingleSegment>
<in-bse-fin:DateOfStartOfReportingPeriod contextRef="FourD">2023-04-01</in-bse-fin:DateOfStartOfReportingPeriod>
<in-bse-fin:DateOfEndOfReportingPeriod contextRef="FourD">2023-12-31</in-bse-fin:DateOfEndOfReportingPeriod>
<in-bse-fin:WhetherResultsAreAuditedOrUnaudited contextRef="FourD">Unaudited</in-bse-fin:WhetherResultsAreAuditedOrUnaudited>
<in-bse-fin:NatureOfReportStandaloneConsolidated contextRef="FourD">Standalone</in-bse-fin:NatureOfReportStandaloneConsolidated>
<in-bse-fin:RevenueFromOperations contextRef="FourD" unitRef="INR" decimals="-6">16233722000.00</in-bse-fin:RevenueFromOperations>
<in-bse-fin:OtherIncome contextRef="FourD" unitRef="INR" decimals="-6">86925000.00</in-bse-fin:OtherIncome>
<in-bse-fin:Income contextRef="FourD" unitRef="INR" decimals="-6">16320647000.00</in-bse-fin:Income>
<in-bse-fin:CostOfMaterialsConsumed contextRef="FourD" unitRef="INR" decimals="-6">0.00</in-bse-fin:CostOfMaterialsConsumed>
<in-bse-fin:PurchasesOfStockInTrade contextRef="FourD" unitRef="INR" decimals="-6">0.00</in-bse-fin:PurchasesOfStockInTrade>
<in-bse-fin:ChangesInInventoriesOfFinishedGoodsWorkInProgressAndStockInTrade contextRef="FourD" unitRef="INR" decimals="-6">0.00</in-bse-fin:ChangesInInventoriesOfFinishedGoodsWorkInProgressAndStockInTrade>
<in-bse-fin:EmployeeBenefitExpense contextRef="FourD" unitRef="INR" decimals="-6">3236199000.00</in-bse-fin:EmployeeBenefitExpense>
<in-bse-fin:FinanceCosts contextRef="FourD" unitRef="INR" decimals="-6">6494430000.00</in-bse-fin:FinanceCosts>
<in-bse-fin:DepreciationDepletionAndAmortisationExpense contextRef="FourD" unitRef="INR" decimals="-6">256804000.00</in-bse-fin:DepreciationDepletionAndAmortisationExpense>
<in-bse-fin:OtherExpenses contextRef="FourD" unitRef="INR" decimals="-6">937930000.00</in-bse-fin:OtherExpenses>
<in-bse-fin:Expenses contextRef="FourD" unitRef="INR" decimals="-6">12276123000.00</in-bse-fin:Expenses>
<in-bse-fin:ProfitBeforeExceptionalItemsAndTax contextRef="FourD" unitRef="INR" decimals="-6">4044524000.00</in-bse-fin:ProfitBeforeExceptionalItemsAndTax>
<in-bse-fin:ExceptionalItemsBeforeTax contextRef="FourD" unitRef="INR" decimals="-6">0.00</in-bse-fin:ExceptionalItemsBeforeTax>
<in-bse-fin:ProfitBeforeTax contextRef="FourD" unitRef="INR" decimals="-6">4044524000.00</in-bse-fin:ProfitBeforeTax>
<in-bse-fin:CurrentTax contextRef="FourD" unitRef="INR" decimals="-6">811435000.00</in-bse-fin:CurrentTax>
<in-bse-fin:DeferredTax contextRef="FourD" unitRef="INR" decimals="-6">-65146000.00</in-bse-fin:DeferredTax>
<in-bse-fin:TaxExpense contextRef="FourD" unitRef="INR" decimals="-6">746289000.00</in-bse-fin:TaxExpense>
<in-bse-fin:ProfitLossForPeriodFromContinuingOperations contextRef="FourD" unitRef="INR" decimals="-6">3298235000.00</in-bse-fin:ProfitLossForPeriodFromContinuingOperations>
<in-bse-fin:ProfitLossFromDiscontinuedOperationsBeforeTax contextRef="FourD" unitRef="INR" decimals="-6">0.00</in-bse-fin:ProfitLossFromDiscontinuedOperationsBeforeTax>
<in-bse-fin:TaxExpenseOfDiscontinuedOperations contextRef="FourD" unitRef="INR" decimals="-6">0.00</in-bse-fin:TaxExpenseOfDiscontinuedOperations>
<in-bse-fin:ProfitLossFromDiscontinuedOperationsAfterTax contextRef="FourD" unitRef="INR" decimals="-6">0.00</in-bse-fin:ProfitLossFromDiscontinuedOperationsAfterTax>
<in-bse-fin:ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod contextRef="FourD" unitRef="INR" decimals="-6">0.00</in-bse-fin:ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod>
<in-bse-fin:ProfitLossForPeriod contextRef="FourD" unitRef="INR" decimals="-6">3298235000.00</in-bse-fin:ProfitLossForPeriod>
<in-bse-fin:OtherComprehensiveIncomeNetOfTaxes contextRef="FourD" unitRef="INR" decimals="-6">101803000.00</in-bse-fin:OtherComprehensiveIncomeNetOfTaxes>
<in-bse-fin:ComprehensiveIncomeForThePeriod contextRef="FourD" unitRef="INR" decimals="-6">3400038000.00</in-bse-fin:ComprehensiveIncomeForThePeriod>
<in-bse-fin:ComprehensiveIncomeForThePeriodAttributableToOwnersOfParent contextRef="FourD" unitRef="INR" decimals="-6">0.00</in-bse-fin:ComprehensiveIncomeForThePeriodAttributableToOwnersOfParent>
<in-bse-fin:ComprehensiveIncomeForThePeriodAttributableToOwnersOfParentNonControllingInterests contextRef="FourD" unitRef="INR" decimals="-6">0.00</in-bse-fin:ComprehensiveIncomeForThePeriodAttributableToOwnersOfParentNonControllingInterests>
<in-bse-fin:PaidUpValueOfEquityShareCapital contextRef="FourD" unitRef="INR" decimals="-6">1704930000.00</in-bse-fin:PaidUpValueOfEquityShareCapital>
<in-bse-fin:FaceValueOfEquityShareCapital contextRef="FourD" unitRef="INRPerShare" decimals="INF">10</in-bse-fin:FaceValueOfEquityShareCapital>
<in-bse-fin:ReserveExcludingRevaluationReserves contextRef="FourD" unitRef="INR" decimals="-6">25072213000.00</in-bse-fin:ReserveExcludingRevaluationReserves>
<in-bse-fin:BasicEarningsLossPerShareFromContinuingOperations contextRef="FourD" unitRef="INRPerShare" decimals="INF">23.28</in-bse-fin:BasicEarningsLossPerShareFromContinuingOperations>
<in-bse-fin:DilutedEarningsLossPerShareFromContinuingOperations contextRef="FourD" unitRef="INRPerShare" decimals="INF">23.28</in-bse-fin:DilutedEarningsLossPerShareFromContinuingOperations>
<in-bse-fin:BasicEarningsLossPerShareFromDiscontinuedOperations contextRef="FourD" unitRef="INRPerShare" decimals="INF">0.00</in-bse-fin:BasicEarningsLossPerShareFromDiscontinuedOperations>
<in-bse-fin:DilutedEarningsLossPerShareFromDiscontinuedOperations contextRef="FourD" unitRef="INRPerShare" decimals="INF">0.00</in-bse-fin:DilutedEarningsLossPerShareFromDiscontinuedOperations>
<in-bse-fin:BasicEarningsLossPerShareFromContinuingAndDiscontinuedOperations contextRef="FourD" unitRef="INRPerShare" decimals="INF">23.28</in-bse-fin:BasicEarningsLossPerShareFromContinuingAndDiscontinuedOperations>
<in-bse-fin:DilutedEarningsLossPerShareFromContinuingAndDiscontinuedOperations contextRef="FourD" unitRef="INRPerShare" decimals="INF">23.28</in-bse-fin:DilutedEarningsLossPerShareFromContinuingAndDiscontinuedOperations>
<in-bse-fin:DebtEquityRatio contextRef="FourD" unitRef="pure" decimals="INF">0.03</in-bse-fin:DebtEquityRatio>
<in-bse-fin:DebtServiceCoverageRatio contextRef="FourD" unitRef="pure" decimals="INF">0.00</in-bse-fin:DebtServiceCoverageRatio>
<in-bse-fin:InterestServiceCoverageRatio contextRef="FourD" unitRef="pure" decimals="INF">0.02</in-bse-fin:InterestServiceCoverageRatio>
<in-bse-fin:DescriptionOfOtherExpenses contextRef="OneOperatingExpenses01D">Other expenses</in-bse-fin:DescriptionOfOtherExpenses>
<in-bse-fin:OtherExpenses contextRef="OneOperatingExpenses01D" unitRef="INR" decimals="-6">384990000.00</in-bse-fin:OtherExpenses>
<in-bse-fin:DescriptionOfOtherExpenses contextRef="FourOperatingExpenses01D">Other expenses</in-bse-fin:DescriptionOfOtherExpenses>
<in-bse-fin:OtherExpenses contextRef="FourOperatingExpenses01D" unitRef="INR" decimals="-6">937930000.00</in-bse-fin:OtherExpenses>
<in-bse-fin:DescriptionOfItemThatWillNotBeReclassifiedToProfitAndLoss contextRef="OneItemsThatWillNotBeReclassifiedToProfitAndLoss01D">Remeasurement of the net defined benefit (liability) / asset</in-bse-fin:DescriptionOfItemThatWillNotBeReclassifiedToProfitAndLoss>
<in-bse-fin:AmountOfItemThatWillNotBeReclassifiedToProfitAndLoss contextRef="OneItemsThatWillNotBeReclassifiedToProfitAndLoss01D" unitRef="INR" decimals="-6">-6213000.00</in-bse-fin:AmountOfItemThatWillNotBeReclassifiedToProfitAndLoss>
<in-bse-fin:DescriptionOfItemThatWillNotBeReclassifiedToProfitAndLoss contextRef="FourItemsThatWillNotBeReclassifiedToProfitAndLoss01D">Remeasurement of the net defined benefit (liability) / asset</in-bse-fin:DescriptionOfItemThatWillNotBeReclassifiedToProfitAndLoss>
<in-bse-fin:AmountOfItemThatWillNotBeReclassifiedToProfitAndLoss contextRef="FourItemsThatWillNotBeReclassifiedToProfitAndLoss01D" unitRef="INR" decimals="-6">-29803000.00</in-bse-fin:AmountOfItemThatWillNotBeReclassifiedToProfitAndLoss>
<in-bse-fin:AmountOfItemThatWillNotBeReclassifiedToProfitAndLoss contextRef="OneD" unitRef="INR" decimals="-6">-6213000.00</in-bse-fin:AmountOfItemThatWillNotBeReclassifiedToProfitAndLoss>
<in-bse-fin:AmountOfItemThatWillNotBeReclassifiedToProfitAndLoss contextRef="FourD" unitRef="INR" decimals="-6">-29803000.00</in-bse-fin:AmountOfItemThatWillNotBeReclassifiedToProfitAndLoss>
<in-bse-fin:IncomeTaxRelatingToItmesThatWillNotBeReclassifiedToProfitOrLoss contextRef="OneD" unitRef="INR" decimals="-6">-1564000.00</in-bse-fin:IncomeTaxRelatingToItmesThatWillNotBeReclassifiedToProfitOrLoss>
<in-bse-fin:IncomeTaxRelatingToItmesThatWillNotBeReclassifiedToProfitOrLoss contextRef="FourD" unitRef="INR" decimals="-6">-7506000.00</in-bse-fin:IncomeTaxRelatingToItmesThatWillNotBeReclassifiedToProfitOrLoss>
<in-bse-fin:DescriptionOfItemThatWillBeReclassifiedToProfitAndLoss contextRef="OneItemsThatWillBeReclassifiedToProfitAndLoss01D">Remeasurement of financial assets carried at fair value through OCI</in-bse-fin:DescriptionOfItemThatWillBeReclassifiedToProfitAndLoss>
<in-bse-fin:AmountOfItemThatWillBeReclassifiedToProfitAndLoss contextRef="OneItemsThatWillBeReclassifiedToProfitAndLoss01D" unitRef="INR" decimals="-6">63077000.00</in-bse-fin:AmountOfItemThatWillBeReclassifiedToProfitAndLoss>
<in-bse-fin:DescriptionOfItemThatWillBeReclassifiedToProfitAndLoss contextRef="FourItemsThatWillBeReclassifiedToProfitAndLoss01D">Remeasurement of financial assets carried at fair value through OCI</in-bse-fin:DescriptionOfItemThatWillBeReclassifiedToProfitAndLoss>
<in-bse-fin:AmountOfItemThatWillBeReclassifiedToProfitAndLoss contextRef="FourItemsThatWillBeReclassifiedToProfitAndLoss01D" unitRef="INR" decimals="-6">165836000.00</in-bse-fin:AmountOfItemThatWillBeReclassifiedToProfitAndLoss>
<in-bse-fin:AmountOfItemThatWillBeReclassifiedToProfitAndLoss contextRef="OneD" unitRef="INR" decimals="-6">63077000.00</in-bse-fin:AmountOfItemThatWillBeReclassifiedToProfitAndLoss>
<in-bse-fin:AmountOfItemThatWillBeReclassifiedToProfitAndLoss contextRef="FourD" unitRef="INR" decimals="-6">165836000.00</in-bse-fin:AmountOfItemThatWillBeReclassifiedToProfitAndLoss>
<in-bse-fin:IncomeTaxRelatingToItmesThatWillBeReclassifiedToProfitOrLoss contextRef="OneD" unitRef="INR" decimals="-6">15876000.00</in-bse-fin:IncomeTaxRelatingToItmesThatWillBeReclassifiedToProfitOrLoss>
<in-bse-fin:IncomeTaxRelatingToItmesThatWillBeReclassifiedToProfitOrLoss contextRef="FourD" unitRef="INR" decimals="-6">41736000.00</in-bse-fin:IncomeTaxRelatingToItmesThatWillBeReclassifiedToProfitOrLoss>
</xbrli:xbrl>