<?xml version="1.0" encoding="UTF-8" standalone="no"?><!--IFBanking V1.1 (01-01-2026)--><xbrli:xbrl xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:in-capmkt="http://www.sebi.gov.in/xbrl/2025-01-31/in-capmkt" xmlns:in-capmkt-ent="http://www.sebi.gov.in/xbrl/IntegratedFinance_Banking/2025-01-31/in-capmkt/in-capmkt-ent" xmlns:in-capmkt-roles="http://www.sebi.gov.in/xbrl/IntegratedFinance_Banking/2025-01-31/in-capmkt-roles" xmlns:in-capmkt-types="http://www.sebi.gov.in/xbrl/2025-01-31/in-capmkt-types" xmlns:iso4217="http://www.xbrl.org/2003/iso4217" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:negated="http://www.xbrl.org/2009/role/negated" xmlns:net="http://www.xbrl.org/2009/role/net" xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric" xmlns:num="http://www.xbrl.org/dtr/type/numeric" xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:xl="http://www.xbrl.org/2003/XLink" xmlns:xlink="http://www.w3.org/1999/xlink"><link:schemaRef xlink:href="in-capmkt-ent-2025-01-31.xsd" xlink:type="simple"/><xbrli:context id="OneD"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">542904</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2025-10-01</xbrli:startDate><xbrli:endDate>2025-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="OneI"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">542904</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2025-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="FourD"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">542904</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2025-04-01</xbrli:startDate><xbrli:endDate>2025-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="OneExpenses1D"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">542904</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2025-10-01</xbrli:startDate><xbrli:endDate>2025-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:DetailsOfOtherOperatingExpensesAxis">in-capmkt:OtherOperatingExpenses1Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context><xbrli:context id="FourExpenses1D"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">542904</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2025-04-01</xbrli:startDate><xbrli:endDate>2025-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:DetailsOfOtherOperatingExpensesAxis">in-capmkt:OtherOperatingExpenses1Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context><xbrli:context id="OneReportable11D"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">542904</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2025-10-01</xbrli:startDate><xbrli:endDate>2025-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:ReportableSegmentsAxis">in-capmkt:ReportableSegments1Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context><xbrli:context id="OneReportable12D"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">542904</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2025-10-01</xbrli:startDate><xbrli:endDate>2025-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:ReportableSegmentsAxis">in-capmkt:ReportableSegments2Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context><xbrli:context id="OneReportable13D"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">542904</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2025-10-01</xbrli:startDate><xbrli:endDate>2025-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:ReportableSegmentsAxis">in-capmkt:ReportableSegments3Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context><xbrli:context id="FourReportable11D"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">542904</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2025-04-01</xbrli:startDate><xbrli:endDate>2025-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:ReportableSegmentsAxis">in-capmkt:ReportableSegments1Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context><xbrli:context id="FourReportable12D"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">542904</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2025-04-01</xbrli:startDate><xbrli:endDate>2025-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:ReportableSegmentsAxis">in-capmkt:ReportableSegments2Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context><xbrli:context id="FourReportable13D"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">542904</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2025-04-01</xbrli:startDate><xbrli:endDate>2025-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:ReportableSegmentsAxis">in-capmkt:ReportableSegments3Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context><xbrli:context id="OneReportable21D"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">542904</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2025-10-01</xbrli:startDate><xbrli:endDate>2025-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:ReportableSegmentsFinanceCostsAxis">in-capmkt:ReportableSegments1Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context><xbrli:context id="OneReportable22D"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">542904</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2025-10-01</xbrli:startDate><xbrli:endDate>2025-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:ReportableSegmentsFinanceCostsAxis">in-capmkt:ReportableSegments2Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context><xbrli:context id="OneReportable23D"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">542904</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2025-10-01</xbrli:startDate><xbrli:endDate>2025-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:ReportableSegmentsFinanceCostsAxis">in-capmkt:ReportableSegments3Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context><xbrli:context id="FourReportable21D"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">542904</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2025-04-01</xbrli:startDate><xbrli:endDate>2025-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:ReportableSegmentsFinanceCostsAxis">in-capmkt:ReportableSegments1Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context><xbrli:context id="FourReportable22D"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">542904</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2025-04-01</xbrli:startDate><xbrli:endDate>2025-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:ReportableSegmentsFinanceCostsAxis">in-capmkt:ReportableSegments2Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context><xbrli:context id="FourReportable23D"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">542904</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2025-04-01</xbrli:startDate><xbrli:endDate>2025-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:ReportableSegmentsFinanceCostsAxis">in-capmkt:ReportableSegments3Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context><xbrli:context id="OneReportable31D"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">542904</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2025-10-01</xbrli:startDate><xbrli:endDate>2025-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:ReportableSegmentAssetsAxis">in-capmkt:ReportableSegments1Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context><xbrli:context id="OneReportable31I"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">542904</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2025-12-31</xbrli:instant></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:ReportableSegmentAssetsAxis">in-capmkt:ReportableSegments1Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context><xbrli:context id="OneReportable32D"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">542904</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2025-10-01</xbrli:startDate><xbrli:endDate>2025-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:ReportableSegmentAssetsAxis">in-capmkt:ReportableSegments2Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context><xbrli:context id="OneReportable32I"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">542904</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2025-12-31</xbrli:instant></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:ReportableSegmentAssetsAxis">in-capmkt:ReportableSegments2Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context><xbrli:context id="OneReportable33D"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">542904</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2025-10-01</xbrli:startDate><xbrli:endDate>2025-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:ReportableSegmentAssetsAxis">in-capmkt:ReportableSegments3Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context><xbrli:context id="OneReportable33I"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">542904</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2025-12-31</xbrli:instant></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:ReportableSegmentAssetsAxis">in-capmkt:ReportableSegments3Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context><xbrli:context id="OneReportable41D"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">542904</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2025-10-01</xbrli:startDate><xbrli:endDate>2025-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:ReportableSegmentLiabilitiesAxis">in-capmkt:ReportableSegments1Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context><xbrli:context id="OneReportable41I"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">542904</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2025-12-31</xbrli:instant></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:ReportableSegmentLiabilitiesAxis">in-capmkt:ReportableSegments1Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context><xbrli:context id="OneReportable42D"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">542904</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2025-10-01</xbrli:startDate><xbrli:endDate>2025-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:ReportableSegmentLiabilitiesAxis">in-capmkt:ReportableSegments2Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context><xbrli:context id="OneReportable42I"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">542904</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2025-12-31</xbrli:instant></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:ReportableSegmentLiabilitiesAxis">in-capmkt:ReportableSegments2Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context><xbrli:context id="OneReportable43D"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">542904</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2025-10-01</xbrli:startDate><xbrli:endDate>2025-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:ReportableSegmentLiabilitiesAxis">in-capmkt:ReportableSegments3Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context><xbrli:context id="OneReportable43I"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">542904</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2025-12-31</xbrli:instant></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:ReportableSegmentLiabilitiesAxis">in-capmkt:ReportableSegments3Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context><xbrli:context id="D_Auditor1"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">542904</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2025-10-01</xbrli:startDate><xbrli:endDate>2025-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:typedMember dimension="in-capmkt:AuditorAxis"><in-capmkt:AuditorDomain>AuditorDomain1</in-capmkt:AuditorDomain></xbrldi:typedMember></xbrli:scenario></xbrli:context><xbrli:context id="D_Auditor2"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">542904</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2025-10-01</xbrli:startDate><xbrli:endDate>2025-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:typedMember dimension="in-capmkt:AuditorAxis"><in-capmkt:AuditorDomain>AuditorDomain2</in-capmkt:AuditorDomain></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="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:ScripCode contextRef="OneD">542904</in-capmkt:ScripCode><in-capmkt:Symbol contextRef="OneD">UJJIVANSFB</in-capmkt:Symbol><in-capmkt:MSEISymbol contextRef="OneD">NA</in-capmkt:MSEISymbol><in-capmkt:ISIN contextRef="OneD">INE551W01018</in-capmkt:ISIN><in-capmkt:NameOfBank contextRef="OneD">UJJIVAN SMALL FINANCE BANK LIMITED</in-capmkt:NameOfBank><in-capmkt:ClassOfSecurity contextRef="OneD">Equity</in-capmkt:ClassOfSecurity><in-capmkt:DateOfStartOfFinancialYear contextRef="OneD">2025-04-01</in-capmkt:DateOfStartOfFinancialYear><in-capmkt:DateOfEndOfFinancialYear contextRef="OneD">2026-03-31</in-capmkt:DateOfEndOfFinancialYear><in-capmkt:DateOfBoardMeetingWhenFinancialResultsWereApproved contextRef="OneD">2026-01-22</in-capmkt:DateOfBoardMeetingWhenFinancialResultsWereApproved><in-capmkt:DateOnWhichPriorIntimationOfTheMeetingForConsideringFinancialResultsWasInformedToTheExchange contextRef="OneD">2026-01-07</in-capmkt:DateOnWhichPriorIntimationOfTheMeetingForConsideringFinancialResultsWasInformedToTheExchange><in-capmkt:DescriptionOfPresentationCurrency contextRef="OneD">INR</in-capmkt:DescriptionOfPresentationCurrency><in-capmkt:LevelOfRounding contextRef="OneD">Lakhs</in-capmkt:LevelOfRounding><in-capmkt:TypeOfReportingPeriod contextRef="OneD">Quarterly</in-capmkt:TypeOfReportingPeriod><in-capmkt:ReportingQuarter contextRef="OneD">Third quarter</in-capmkt:ReportingQuarter><in-capmkt:IsCompanyReportingMultisegmentOrSingleSegment contextRef="OneD">Multi segment</in-capmkt:IsCompanyReportingMultisegmentOrSingleSegment><in-capmkt:DateOfStartOfBoardMeeting contextRef="OneD">2026-01-22</in-capmkt:DateOfStartOfBoardMeeting><in-capmkt:StartTimeOfBoardMeeting contextRef="OneD">11:00:00</in-capmkt:StartTimeOfBoardMeeting><in-capmkt:DateOfEndOfBoardMeeting contextRef="OneD">2026-01-22</in-capmkt:DateOfEndOfBoardMeeting><in-capmkt:EndTimeOfBoardMeeting contextRef="OneD">13:50:00</in-capmkt:EndTimeOfBoardMeeting><in-capmkt:DeclarationOfUnmodifiedOpinionOrStatementOnImpactOfAuditQualification contextRef="OneD">Declaration of unmodified opinion</in-capmkt:DeclarationOfUnmodifiedOpinionOrStatementOnImpactOfAuditQualification><in-capmkt:WhetherStatementOnDeviationOrVariationForProceedsOfPublicIssueOrRightIssueOrPreferentialIssueOrQIPEtcIsApplicableToTheCompanyForTheCurrentQuarter contextRef="OneD">false</in-capmkt:WhetherStatementOnDeviationOrVariationForProceedsOfPublicIssueOrRightIssueOrPreferentialIssueOrQIPEtcIsApplicableToTheCompanyForTheCurrentQuarter><in-capmkt:WhetherTheDisclosureForTheDefaultOnLoansAndDebtSecuritiesIsApplicableToTheEntity contextRef="OneD">false</in-capmkt:WhetherTheDisclosureForTheDefaultOnLoansAndDebtSecuritiesIsApplicableToTheEntity><in-capmkt:NoteForNonApplicabilityOfTheDisclosureForTheDefaultOnLoansAndDebtSecuritiesToTheEntity contextRef="OneD">NA</in-capmkt:NoteForNonApplicabilityOfTheDisclosureForTheDefaultOnLoansAndDebtSecuritiesToTheEntity><in-capmkt:DateOfStartOfReportingPeriod contextRef="OneD">2025-10-01</in-capmkt:DateOfStartOfReportingPeriod><in-capmkt:DateOfEndOfReportingPeriod contextRef="OneD">2025-12-31</in-capmkt:DateOfEndOfReportingPeriod><in-capmkt:WhetherResultsAreAuditedOrUnaudited contextRef="OneD">Unaudited</in-capmkt:WhetherResultsAreAuditedOrUnaudited><in-capmkt:NatureOfReportStandaloneConsolidated contextRef="OneD">Standalone</in-capmkt:NatureOfReportStandaloneConsolidated><in-capmkt:InterestOrDiscountOnAdvancesOrBills contextRef="OneD" decimals="-5" unitRef="INR">15475900000</in-capmkt:InterestOrDiscountOnAdvancesOrBills><in-capmkt:RevenueOnInvestments contextRef="OneD" decimals="-5" unitRef="INR">1994300000</in-capmkt:RevenueOnInvestments><in-capmkt:InterestOnBalancesWithReserveBankOfIndiaAndOtherInterBankFunds contextRef="OneD" decimals="-5" unitRef="INR">30900000</in-capmkt:InterestOnBalancesWithReserveBankOfIndiaAndOtherInterBankFunds><in-capmkt:OtherInterest contextRef="OneD" decimals="-5" unitRef="INR">18100000</in-capmkt:OtherInterest><in-capmkt:InterestEarned contextRef="OneD" decimals="-5" unitRef="INR">17519200000</in-capmkt:InterestEarned><in-capmkt:OtherIncome contextRef="OneD" decimals="-5" unitRef="INR">2954800000</in-capmkt:OtherIncome><in-capmkt:Income contextRef="OneD" decimals="-5" unitRef="INR">20474000000</in-capmkt:Income><in-capmkt:InterestExpended contextRef="OneD" decimals="-5" unitRef="INR">7514500000</in-capmkt:InterestExpended><in-capmkt:EmployeesCost contextRef="OneD" decimals="-5" unitRef="INR">4738100000</in-capmkt:EmployeesCost><in-capmkt:OtherOperatingExpenses contextRef="OneD" decimals="-5" unitRef="INR">3823400000</in-capmkt:OtherOperatingExpenses><in-capmkt:OperatingExpenses contextRef="OneD" decimals="-5" unitRef="INR">8561500000</in-capmkt:OperatingExpenses><in-capmkt:ExpenditureExcludingProvisionsAndContingencies contextRef="OneD" decimals="-5" unitRef="INR">16076000000</in-capmkt:ExpenditureExcludingProvisionsAndContingencies><in-capmkt:OperatingProfitBeforeProvisionAndContingencies contextRef="OneD" decimals="-5" unitRef="INR">4398000000</in-capmkt:OperatingProfitBeforeProvisionAndContingencies><in-capmkt:ProvisionsOtherThanTaxAndContingencies contextRef="OneD" decimals="-5" unitRef="INR">1953400000</in-capmkt:ProvisionsOtherThanTaxAndContingencies><in-capmkt:ExceptionalItems contextRef="OneD" decimals="-5" unitRef="INR">0</in-capmkt:ExceptionalItems><in-capmkt:ProfitLossFromOrdinaryActivitiesBeforeTax contextRef="OneD" decimals="-5" unitRef="INR">2444600000</in-capmkt:ProfitLossFromOrdinaryActivitiesBeforeTax><in-capmkt:TaxExpense contextRef="OneD" decimals="-5" unitRef="INR">587400000</in-capmkt:TaxExpense><in-capmkt:ProfitLossFromOrdinaryActivitiesAfterTax contextRef="OneD" decimals="-5" unitRef="INR">1857200000</in-capmkt:ProfitLossFromOrdinaryActivitiesAfterTax><in-capmkt:ExtraordinaryItems contextRef="OneD" decimals="-5" unitRef="INR">0</in-capmkt:ExtraordinaryItems><in-capmkt:ProfitLossForThePeriod contextRef="OneD" decimals="-5" unitRef="INR">1857200000</in-capmkt:ProfitLossForThePeriod><in-capmkt:ProfitLossAfterTaxesMinorityInterestAndShareOfProfitLossOfAssociates contextRef="OneD" decimals="-5" unitRef="INR">1857200000</in-capmkt:ProfitLossAfterTaxesMinorityInterestAndShareOfProfitLossOfAssociates><in-capmkt:PaidUpValueOfEquityShareCapital contextRef="OneD" decimals="-3" unitRef="INR">19384631000</in-capmkt:PaidUpValueOfEquityShareCapital><in-capmkt:FaceValueOfEquityShareCapital contextRef="OneD" decimals="INF" unitRef="INRPerShare">10</in-capmkt:FaceValueOfEquityShareCapital><in-capmkt:PercentageOfShareHeldByGovernmentOfIndia contextRef="OneD" decimals="INF" unitRef="pure">0</in-capmkt:PercentageOfShareHeldByGovernmentOfIndia><in-capmkt:CET1Ratio contextRef="OneD" decimals="INF" unitRef="pure">0.2013</in-capmkt:CET1Ratio><in-capmkt:AdditionalTier1Ratio contextRef="OneD" decimals="INF" unitRef="pure">0</in-capmkt:AdditionalTier1Ratio><in-capmkt:BasicEarningsPerShareBeforeExtraordinaryItems contextRef="OneD" decimals="INF" unitRef="INRPerShare">0.96</in-capmkt:BasicEarningsPerShareBeforeExtraordinaryItems><in-capmkt:DilutedEarningsPerShareBeforeExtraordinaryItems contextRef="OneD" decimals="INF" unitRef="INRPerShare">0.94</in-capmkt:DilutedEarningsPerShareBeforeExtraordinaryItems><in-capmkt:BasicEarningsPerShareAfterExtraordinaryItems contextRef="OneD" decimals="INF" unitRef="INRPerShare">0.96</in-capmkt:BasicEarningsPerShareAfterExtraordinaryItems><in-capmkt:DilutedEarningsPerShareAfterExtraordinaryItems contextRef="OneD" decimals="INF" unitRef="INRPerShare">0.94</in-capmkt:DilutedEarningsPerShareAfterExtraordinaryItems><in-capmkt:GrossNonPerformingAssets contextRef="OneD" decimals="-3" unitRef="INR">8793926000</in-capmkt:GrossNonPerformingAssets><in-capmkt:NonPerformingAssets contextRef="OneD" decimals="-4" unitRef="INR">2080810000</in-capmkt:NonPerformingAssets><in-capmkt:PercentageOfGrossNpa contextRef="OneD" decimals="INF" unitRef="pure">0.0238</in-capmkt:PercentageOfGrossNpa><in-capmkt:PercentageOfNpa contextRef="OneD" decimals="INF" unitRef="pure">0.0057</in-capmkt:PercentageOfNpa><in-capmkt:ReturnOnAssets contextRef="OneD" decimals="INF" unitRef="pure">0.0037</in-capmkt:ReturnOnAssets><in-capmkt:DateOfStartOfReportingPeriod contextRef="FourD">2025-04-01</in-capmkt:DateOfStartOfReportingPeriod><in-capmkt:DateOfEndOfReportingPeriod contextRef="FourD">2025-12-31</in-capmkt:DateOfEndOfReportingPeriod><in-capmkt:WhetherResultsAreAuditedOrUnaudited contextRef="FourD">Unaudited</in-capmkt:WhetherResultsAreAuditedOrUnaudited><in-capmkt:NatureOfReportStandaloneConsolidated contextRef="FourD">Standalone</in-capmkt:NatureOfReportStandaloneConsolidated><in-capmkt:InterestOrDiscountOnAdvancesOrBills contextRef="FourD" decimals="-3" unitRef="INR">44191397000</in-capmkt:InterestOrDiscountOnAdvancesOrBills><in-capmkt:RevenueOnInvestments contextRef="FourD" decimals="-4" unitRef="INR">6143060000</in-capmkt:RevenueOnInvestments><in-capmkt:InterestOnBalancesWithReserveBankOfIndiaAndOtherInterBankFunds contextRef="FourD" decimals="-5" unitRef="INR">136500000</in-capmkt:InterestOnBalancesWithReserveBankOfIndiaAndOtherInterBankFunds><in-capmkt:OtherInterest contextRef="FourD" decimals="-3" unitRef="INR">59939000</in-capmkt:OtherInterest><in-capmkt:InterestEarned contextRef="FourD" decimals="-3" unitRef="INR">50530896000</in-capmkt:InterestEarned><in-capmkt:OtherIncome contextRef="FourD" decimals="-3" unitRef="INR">8008247000</in-capmkt:OtherIncome><in-capmkt:Income contextRef="FourD" decimals="-3" unitRef="INR">58539143000</in-capmkt:Income><in-capmkt:InterestExpended contextRef="FourD" decimals="-3" unitRef="INR">22749767000</in-capmkt:InterestExpended><in-capmkt:EmployeesCost contextRef="FourD" decimals="-5" unitRef="INR">13210200000</in-capmkt:EmployeesCost><in-capmkt:OtherOperatingExpenses contextRef="FourD" decimals="-3" unitRef="INR">10623848000</in-capmkt:OtherOperatingExpenses><in-capmkt:OperatingExpenses contextRef="FourD" decimals="-3" unitRef="INR">23834048000</in-capmkt:OperatingExpenses><in-capmkt:ExpenditureExcludingProvisionsAndContingencies contextRef="FourD" decimals="-3" unitRef="INR">46583815000</in-capmkt:ExpenditureExcludingProvisionsAndContingencies><in-capmkt:OperatingProfitBeforeProvisionAndContingencies contextRef="FourD" decimals="-3" unitRef="INR">11955328000</in-capmkt:OperatingProfitBeforeProvisionAndContingencies><in-capmkt:ProvisionsOtherThanTaxAndContingencies contextRef="FourD" decimals="-3" unitRef="INR">6552509000</in-capmkt:ProvisionsOtherThanTaxAndContingencies><in-capmkt:ExceptionalItems contextRef="FourD" decimals="-5" unitRef="INR">0</in-capmkt:ExceptionalItems><in-capmkt:ProfitLossFromOrdinaryActivitiesBeforeTax contextRef="FourD" decimals="-3" unitRef="INR">5402819000</in-capmkt:ProfitLossFromOrdinaryActivitiesBeforeTax><in-capmkt:TaxExpense contextRef="FourD" decimals="-5" unitRef="INR">1296200000</in-capmkt:TaxExpense><in-capmkt:ProfitLossFromOrdinaryActivitiesAfterTax contextRef="FourD" decimals="-3" unitRef="INR">4106619000</in-capmkt:ProfitLossFromOrdinaryActivitiesAfterTax><in-capmkt:ExtraordinaryItems contextRef="FourD" decimals="-5" unitRef="INR">0</in-capmkt:ExtraordinaryItems><in-capmkt:ProfitLossForThePeriod contextRef="FourD" decimals="-3" unitRef="INR">4106619000</in-capmkt:ProfitLossForThePeriod><in-capmkt:ProfitLossAfterTaxesMinorityInterestAndShareOfProfitLossOfAssociates contextRef="FourD" decimals="-3" unitRef="INR">4106619000</in-capmkt:ProfitLossAfterTaxesMinorityInterestAndShareOfProfitLossOfAssociates><in-capmkt:PaidUpValueOfEquityShareCapital contextRef="FourD" decimals="-3" unitRef="INR">19384631000</in-capmkt:PaidUpValueOfEquityShareCapital><in-capmkt:FaceValueOfEquityShareCapital contextRef="FourD" decimals="INF" unitRef="INRPerShare">10</in-capmkt:FaceValueOfEquityShareCapital><in-capmkt:PercentageOfShareHeldByGovernmentOfIndia contextRef="FourD" decimals="INF" unitRef="pure">0</in-capmkt:PercentageOfShareHeldByGovernmentOfIndia><in-capmkt:CET1Ratio contextRef="FourD" decimals="INF" unitRef="pure">0.2013</in-capmkt:CET1Ratio><in-capmkt:AdditionalTier1Ratio contextRef="FourD" decimals="INF" unitRef="pure">0</in-capmkt:AdditionalTier1Ratio><in-capmkt:BasicEarningsPerShareBeforeExtraordinaryItems contextRef="FourD" decimals="INF" unitRef="INRPerShare">2.12</in-capmkt:BasicEarningsPerShareBeforeExtraordinaryItems><in-capmkt:DilutedEarningsPerShareBeforeExtraordinaryItems contextRef="FourD" decimals="INF" unitRef="INRPerShare">2.09</in-capmkt:DilutedEarningsPerShareBeforeExtraordinaryItems><in-capmkt:BasicEarningsPerShareAfterExtraordinaryItems contextRef="FourD" decimals="INF" unitRef="INRPerShare">2.12</in-capmkt:BasicEarningsPerShareAfterExtraordinaryItems><in-capmkt:DilutedEarningsPerShareAfterExtraordinaryItems contextRef="FourD" decimals="INF" unitRef="INRPerShare">2.09</in-capmkt:DilutedEarningsPerShareAfterExtraordinaryItems><in-capmkt:GrossNonPerformingAssets contextRef="FourD" decimals="-3" unitRef="INR">8793926000</in-capmkt:GrossNonPerformingAssets><in-capmkt:NonPerformingAssets contextRef="FourD" decimals="-4" unitRef="INR">2080810000</in-capmkt:NonPerformingAssets><in-capmkt:PercentageOfGrossNpa contextRef="FourD" decimals="INF" unitRef="pure">0.0238</in-capmkt:PercentageOfGrossNpa><in-capmkt:PercentageOfNpa contextRef="FourD" decimals="INF" unitRef="pure">0.0057</in-capmkt:PercentageOfNpa><in-capmkt:ReturnOnAssets contextRef="FourD" decimals="INF" unitRef="pure">0.0084</in-capmkt:ReturnOnAssets><in-capmkt:DescriptionOfOperatingExpenses contextRef="OneExpenses1D">Other expense</in-capmkt:DescriptionOfOperatingExpenses><in-capmkt:OtherOperatingExpenses contextRef="OneExpenses1D" decimals="-5" unitRef="INR">3823400000</in-capmkt:OtherOperatingExpenses><in-capmkt:DescriptionOfOperatingExpenses contextRef="FourExpenses1D">Other expense</in-capmkt:DescriptionOfOperatingExpenses><in-capmkt:OtherOperatingExpenses contextRef="FourExpenses1D" decimals="-3" unitRef="INR">10623848000</in-capmkt:OtherOperatingExpenses><in-capmkt:DescriptionOfReportableSegment contextRef="OneReportable11D">Treasury</in-capmkt:DescriptionOfReportableSegment><in-capmkt:SegmentRevenue contextRef="OneReportable11D" decimals="-3" unitRef="INR">2181532000</in-capmkt:SegmentRevenue><in-capmkt:DescriptionOfReportableSegment contextRef="OneReportable12D">Retail banking</in-capmkt:DescriptionOfReportableSegment><in-capmkt:SegmentRevenue contextRef="OneReportable12D" decimals="-3" unitRef="INR">17760031000</in-capmkt:SegmentRevenue><in-capmkt:DescriptionOfReportableSegment contextRef="OneReportable13D">Wholesale banking</in-capmkt:DescriptionOfReportableSegment><in-capmkt:SegmentRevenue contextRef="OneReportable13D" decimals="-3" unitRef="INR">532451000</in-capmkt:SegmentRevenue><in-capmkt:DescriptionOfReportableSegment contextRef="FourReportable11D">Treasury</in-capmkt:DescriptionOfReportableSegment><in-capmkt:SegmentRevenue contextRef="FourReportable11D" decimals="-4" unitRef="INR">7188530000</in-capmkt:SegmentRevenue><in-capmkt:DescriptionOfReportableSegment contextRef="FourReportable12D">Retail banking</in-capmkt:DescriptionOfReportableSegment><in-capmkt:SegmentRevenue contextRef="FourReportable12D" decimals="-3" unitRef="INR">49676394000</in-capmkt:SegmentRevenue><in-capmkt:DescriptionOfReportableSegment contextRef="FourReportable13D">Wholesale banking</in-capmkt:DescriptionOfReportableSegment><in-capmkt:SegmentRevenue contextRef="FourReportable13D" decimals="-3" unitRef="INR">1674156000</in-capmkt:SegmentRevenue><in-capmkt:SegmentRevenue contextRef="OneD" decimals="-3" unitRef="INR">20474014000</in-capmkt:SegmentRevenue><in-capmkt:SegmentRevenue contextRef="FourD" decimals="-4" unitRef="INR">58539080000</in-capmkt:SegmentRevenue><in-capmkt:SegmentRevenueFromOperations contextRef="OneD" decimals="-3" unitRef="INR">20474014000</in-capmkt:SegmentRevenueFromOperations><in-capmkt:SegmentRevenueFromOperations contextRef="FourD" decimals="-4" unitRef="INR">58539080000</in-capmkt:SegmentRevenueFromOperations><in-capmkt:DescriptionOfReportableSegment contextRef="OneReportable21D">Treasury</in-capmkt:DescriptionOfReportableSegment><in-capmkt:SegmentProfitLossBeforeTaxAndFinanceCosts contextRef="OneReportable21D" decimals="-3" unitRef="INR">255384000</in-capmkt:SegmentProfitLossBeforeTaxAndFinanceCosts><in-capmkt:DescriptionOfReportableSegment contextRef="OneReportable22D">Retail banking</in-capmkt:DescriptionOfReportableSegment><in-capmkt:SegmentProfitLossBeforeTaxAndFinanceCosts contextRef="OneReportable22D" decimals="-3" unitRef="INR">2068168000</in-capmkt:SegmentProfitLossBeforeTaxAndFinanceCosts><in-capmkt:DescriptionOfReportableSegment contextRef="OneReportable23D">Wholesale banking</in-capmkt:DescriptionOfReportableSegment><in-capmkt:SegmentProfitLossBeforeTaxAndFinanceCosts contextRef="OneReportable23D" decimals="-3" unitRef="INR">260481000</in-capmkt:SegmentProfitLossBeforeTaxAndFinanceCosts><in-capmkt:DescriptionOfReportableSegment contextRef="FourReportable21D">Treasury</in-capmkt:DescriptionOfReportableSegment><in-capmkt:SegmentProfitLossBeforeTaxAndFinanceCosts contextRef="FourReportable21D" decimals="-3" unitRef="INR">1163896000</in-capmkt:SegmentProfitLossBeforeTaxAndFinanceCosts><in-capmkt:DescriptionOfReportableSegment contextRef="FourReportable22D">Retail banking</in-capmkt:DescriptionOfReportableSegment><in-capmkt:SegmentProfitLossBeforeTaxAndFinanceCosts contextRef="FourReportable22D" decimals="-3" unitRef="INR">3849987000</in-capmkt:SegmentProfitLossBeforeTaxAndFinanceCosts><in-capmkt:DescriptionOfReportableSegment contextRef="FourReportable23D">Wholesale banking</in-capmkt:DescriptionOfReportableSegment><in-capmkt:SegmentProfitLossBeforeTaxAndFinanceCosts contextRef="FourReportable23D" decimals="-4" unitRef="INR">801880000</in-capmkt:SegmentProfitLossBeforeTaxAndFinanceCosts><in-capmkt:SegmentProfitLossBeforeTaxAndFinanceCosts contextRef="OneD" decimals="-3" unitRef="INR">2584033000</in-capmkt:SegmentProfitLossBeforeTaxAndFinanceCosts><in-capmkt:SegmentProfitLossBeforeTaxAndFinanceCosts contextRef="FourD" decimals="-3" unitRef="INR">5815763000</in-capmkt:SegmentProfitLossBeforeTaxAndFinanceCosts><in-capmkt:OtherUnallocableExpenditureNetOffUnAllocableIncome contextRef="OneD" decimals="-3" unitRef="INR">139479000</in-capmkt:OtherUnallocableExpenditureNetOffUnAllocableIncome><in-capmkt:OtherUnallocableExpenditureNetOffUnAllocableIncome contextRef="FourD" decimals="-3" unitRef="INR">413007000</in-capmkt:OtherUnallocableExpenditureNetOffUnAllocableIncome><in-capmkt:SegmentProfitBeforeTax contextRef="OneD" decimals="-3" unitRef="INR">2444554000</in-capmkt:SegmentProfitBeforeTax><in-capmkt:SegmentProfitBeforeTax contextRef="FourD" decimals="-3" unitRef="INR">5402756000</in-capmkt:SegmentProfitBeforeTax><in-capmkt:DescriptionOfReportableSegment contextRef="OneReportable31D">Treasury</in-capmkt:DescriptionOfReportableSegment><in-capmkt:SegmentAssets contextRef="OneReportable31I" decimals="-3" unitRef="INR">143439464000</in-capmkt:SegmentAssets><in-capmkt:DescriptionOfReportableSegment contextRef="OneReportable32D">Retail banking</in-capmkt:DescriptionOfReportableSegment><in-capmkt:SegmentAssets contextRef="OneReportable32I" decimals="-3" unitRef="INR">349148951000</in-capmkt:SegmentAssets><in-capmkt:DescriptionOfReportableSegment contextRef="OneReportable33D">Wholesale banking</in-capmkt:DescriptionOfReportableSegment><in-capmkt:SegmentAssets contextRef="OneReportable33I" decimals="-3" unitRef="INR">26440626000</in-capmkt:SegmentAssets><in-capmkt:SegmentAssets contextRef="OneI" decimals="-3" unitRef="INR">519029041000</in-capmkt:SegmentAssets><in-capmkt:UnAllocableAssets contextRef="OneI" decimals="-3" unitRef="INR">3959428000</in-capmkt:UnAllocableAssets><in-capmkt:NetSegmentAssets contextRef="OneI" decimals="-3" unitRef="INR">522988469000</in-capmkt:NetSegmentAssets><in-capmkt:DescriptionOfReportableSegment contextRef="OneReportable41D">Treasury</in-capmkt:DescriptionOfReportableSegment><in-capmkt:SegmentLiabilities contextRef="OneReportable41I" decimals="-3" unitRef="INR">125561141000</in-capmkt:SegmentLiabilities><in-capmkt:DescriptionOfReportableSegment contextRef="OneReportable42D">Retail banking</in-capmkt:DescriptionOfReportableSegment><in-capmkt:SegmentLiabilities contextRef="OneReportable42I" decimals="-3" unitRef="INR">305630956000</in-capmkt:SegmentLiabilities><in-capmkt:DescriptionOfReportableSegment contextRef="OneReportable43D">Wholesale banking</in-capmkt:DescriptionOfReportableSegment><in-capmkt:SegmentLiabilities contextRef="OneReportable43I" decimals="-3" unitRef="INR">23145061000</in-capmkt:SegmentLiabilities><in-capmkt:SegmentLiabilities contextRef="OneI" decimals="-3" unitRef="INR">454337158000</in-capmkt:SegmentLiabilities><in-capmkt:UnAllocableLiabilities contextRef="OneI" decimals="-3" unitRef="INR">3465924000</in-capmkt:UnAllocableLiabilities><in-capmkt:NetSegmentLiabilities contextRef="OneI" decimals="-3" unitRef="INR">457803082000</in-capmkt:NetSegmentLiabilities><in-capmkt:WhetherResultsAreAuditedOrUnauditedForImpactOfAuditQualification contextRef="OneD">Unaudited</in-capmkt:WhetherResultsAreAuditedOrUnauditedForImpactOfAuditQualification><in-capmkt:DeclarationPursuantToClauseDOfSubRegulation3OfRegulation33OfSEBILODRRegulation2015 contextRef="OneD">true</in-capmkt:DeclarationPursuantToClauseDOfSubRegulation3OfRegulation33OfSEBILODRRegulation2015><in-capmkt:AuditorsFirmName contextRef="D_Auditor1">Deloitte Haskins &amp; Sells</in-capmkt:AuditorsFirmName><in-capmkt:WhetherTheFirmHoldsAValidPeerReviewCertificateIssuedByPeerReviewBoardOfICAI contextRef="D_Auditor1">true</in-capmkt:WhetherTheFirmHoldsAValidPeerReviewCertificateIssuedByPeerReviewBoardOfICAI><in-capmkt:ValidityDateOfCertificate contextRef="D_Auditor1">2027-03-31</in-capmkt:ValidityDateOfCertificate><in-capmkt:AuditorsFirmName contextRef="D_Auditor2">Abarna &amp; Ananthan</in-capmkt:AuditorsFirmName><in-capmkt:WhetherTheFirmHoldsAValidPeerReviewCertificateIssuedByPeerReviewBoardOfICAI contextRef="D_Auditor2">true</in-capmkt:WhetherTheFirmHoldsAValidPeerReviewCertificateIssuedByPeerReviewBoardOfICAI><in-capmkt:ValidityDateOfCertificate contextRef="D_Auditor2">2028-09-30</in-capmkt:ValidityDateOfCertificate></xbrli:xbrl>