<?xml version="1.0" encoding="UTF-8" standalone="no"?><!--IFBanking V2.0 (06-02-2026)--><xbrli:xbrl xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:in-capmkt="http://www.sebi.gov.in/xbrl/2026-01-31/in-capmkt" xmlns:in-capmkt-ent="http://www.sebi.gov.in/xbrl/IntegratedFinance_Banking/2026-01-31/in-capmkt/in-capmkt-ent" xmlns:in-capmkt-roles="http://www.sebi.gov.in/xbrl/IntegratedFinance_Banking/2026-01-31/in-capmkt-roles" xmlns:in-capmkt-types="http://www.sebi.gov.in/xbrl/2026-01-31/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-2026-01-31.xsd" xlink:type="simple"/><xbrli:context id="OneD"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">532461</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2026-01-01</xbrli:startDate><xbrli:endDate>2026-03-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="OneI"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">532461</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2026-03-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="PY_I"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">532461</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2025-03-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="FourD"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">532461</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2025-04-01</xbrli:startDate><xbrli:endDate>2026-03-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="OneExpenses1D"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">532461</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2026-01-01</xbrli:startDate><xbrli:endDate>2026-03-31</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">532461</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2025-04-01</xbrli:startDate><xbrli:endDate>2026-03-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:DetailsOfOtherOperatingExpensesAxis">in-capmkt:OtherOperatingExpenses1Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context><xbrli:context id="I_OtherLiabilitiesAndProvisions1"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">532461</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2026-03-31</xbrli:instant></xbrli:period><xbrli:scenario><xbrldi:typedMember dimension="in-capmkt:OtherLiabilitiesAndProvisionsAxis"><in-capmkt:OtherLiabilitiesAndProvisionsDomain>OtherLiabilitiesAndProvisionsDomain1</in-capmkt:OtherLiabilitiesAndProvisionsDomain></xbrldi:typedMember></xbrli:scenario></xbrli:context><xbrli:context id="I_OtherLiabilitiesAndProvisions2"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">532461</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2026-03-31</xbrli:instant></xbrli:period><xbrli:scenario><xbrldi:typedMember dimension="in-capmkt:OtherLiabilitiesAndProvisionsAxis"><in-capmkt:OtherLiabilitiesAndProvisionsDomain>OtherLiabilitiesAndProvisionsDomain2</in-capmkt:OtherLiabilitiesAndProvisionsDomain></xbrldi:typedMember></xbrli:scenario></xbrli:context><xbrli:context id="I_OtherAssets1"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">532461</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2026-03-31</xbrli:instant></xbrli:period><xbrli:scenario><xbrldi:typedMember dimension="in-capmkt:OtherAssetsAxis"><in-capmkt:OtherAssetsDomain>OtherAssetsDomain1</in-capmkt:OtherAssetsDomain></xbrldi:typedMember></xbrli:scenario></xbrli:context><xbrli:context id="OneReportable11D"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">532461</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2026-01-01</xbrli:startDate><xbrli:endDate>2026-03-31</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">532461</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2026-01-01</xbrli:startDate><xbrli:endDate>2026-03-31</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">532461</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2026-01-01</xbrli:startDate><xbrli:endDate>2026-03-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:ReportableSegmentsAxis">in-capmkt:ReportableSegments3Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context><xbrli:context id="OneReportable14D"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">532461</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2026-01-01</xbrli:startDate><xbrli:endDate>2026-03-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:ReportableSegmentsAxis">in-capmkt:ReportableSegments4Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context><xbrli:context id="FourReportable11D"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">532461</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2025-04-01</xbrli:startDate><xbrli:endDate>2026-03-31</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">532461</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2025-04-01</xbrli:startDate><xbrli:endDate>2026-03-31</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">532461</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2025-04-01</xbrli:startDate><xbrli:endDate>2026-03-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:ReportableSegmentsAxis">in-capmkt:ReportableSegments3Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context><xbrli:context id="FourReportable14D"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">532461</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2025-04-01</xbrli:startDate><xbrli:endDate>2026-03-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:ReportableSegmentsAxis">in-capmkt:ReportableSegments4Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context><xbrli:context id="OneReportable21D"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">532461</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2026-01-01</xbrli:startDate><xbrli:endDate>2026-03-31</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">532461</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2026-01-01</xbrli:startDate><xbrli:endDate>2026-03-31</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">532461</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2026-01-01</xbrli:startDate><xbrli:endDate>2026-03-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:ReportableSegmentsFinanceCostsAxis">in-capmkt:ReportableSegments3Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context><xbrli:context id="OneReportable24D"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">532461</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2026-01-01</xbrli:startDate><xbrli:endDate>2026-03-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:ReportableSegmentsFinanceCostsAxis">in-capmkt:ReportableSegments4Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context><xbrli:context id="FourReportable21D"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">532461</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2025-04-01</xbrli:startDate><xbrli:endDate>2026-03-31</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">532461</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2025-04-01</xbrli:startDate><xbrli:endDate>2026-03-31</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">532461</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2025-04-01</xbrli:startDate><xbrli:endDate>2026-03-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:ReportableSegmentsFinanceCostsAxis">in-capmkt:ReportableSegments3Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context><xbrli:context id="FourReportable24D"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">532461</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2025-04-01</xbrli:startDate><xbrli:endDate>2026-03-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:ReportableSegmentsFinanceCostsAxis">in-capmkt:ReportableSegments4Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context><xbrli:context id="OneReportable31D"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">532461</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2026-01-01</xbrli:startDate><xbrli:endDate>2026-03-31</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">532461</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2026-03-31</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">532461</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2026-01-01</xbrli:startDate><xbrli:endDate>2026-03-31</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">532461</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2026-03-31</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">532461</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2026-01-01</xbrli:startDate><xbrli:endDate>2026-03-31</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">532461</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2026-03-31</xbrli:instant></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:ReportableSegmentAssetsAxis">in-capmkt:ReportableSegments3Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context><xbrli:context id="OneReportable34D"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">532461</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2026-01-01</xbrli:startDate><xbrli:endDate>2026-03-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:ReportableSegmentAssetsAxis">in-capmkt:ReportableSegments4Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context><xbrli:context id="OneReportable34I"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">532461</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2026-03-31</xbrli:instant></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:ReportableSegmentAssetsAxis">in-capmkt:ReportableSegments4Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context><xbrli:context id="OneReportable41D"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">532461</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2026-01-01</xbrli:startDate><xbrli:endDate>2026-03-31</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">532461</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2026-03-31</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">532461</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2026-01-01</xbrli:startDate><xbrli:endDate>2026-03-31</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">532461</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2026-03-31</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">532461</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2026-01-01</xbrli:startDate><xbrli:endDate>2026-03-31</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">532461</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2026-03-31</xbrli:instant></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:ReportableSegmentLiabilitiesAxis">in-capmkt:ReportableSegments3Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context><xbrli:context id="OneReportable44D"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">532461</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2026-01-01</xbrli:startDate><xbrli:endDate>2026-03-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:ReportableSegmentLiabilitiesAxis">in-capmkt:ReportableSegments4Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context><xbrli:context id="OneReportable44I"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">532461</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2026-03-31</xbrli:instant></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:ReportableSegmentLiabilitiesAxis">in-capmkt:ReportableSegments4Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context><xbrli:context id="D_Auditor1"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">532461</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2026-01-01</xbrli:startDate><xbrli:endDate>2026-03-31</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">532461</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2026-01-01</xbrli:startDate><xbrli:endDate>2026-03-31</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:context id="D_Auditor3"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">532461</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2026-01-01</xbrli:startDate><xbrli:endDate>2026-03-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:typedMember dimension="in-capmkt:AuditorAxis"><in-capmkt:AuditorDomain>AuditorDomain3</in-capmkt:AuditorDomain></xbrldi:typedMember></xbrli:scenario></xbrli:context><xbrli:context id="D_Auditor4"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">532461</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2026-01-01</xbrli:startDate><xbrli:endDate>2026-03-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:typedMember dimension="in-capmkt:AuditorAxis"><in-capmkt:AuditorDomain>AuditorDomain4</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">532461</in-capmkt:ScripCode><in-capmkt:Symbol contextRef="OneD">PNB</in-capmkt:Symbol><in-capmkt:MSEISymbol contextRef="OneD">NOTLISTED</in-capmkt:MSEISymbol><in-capmkt:ISIN contextRef="OneD">INE160A01022</in-capmkt:ISIN><in-capmkt:NameOfBank contextRef="OneD">Punjab National Bank</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">2026-05-05</in-capmkt:DateOfBoardMeetingWhenFinancialResultsWereApproved><in-capmkt:DateOnWhichPriorIntimationOfTheMeetingForConsideringFinancialResultsWasInformedToTheExchange contextRef="OneD">2026-04-29</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">Fourth quarter</in-capmkt:ReportingQuarter><in-capmkt:IsCompanyReportingMultisegmentOrSingleSegment contextRef="OneD">Multi segment</in-capmkt:IsCompanyReportingMultisegmentOrSingleSegment><in-capmkt:DateOfStartOfBoardMeeting contextRef="OneD">2026-05-05</in-capmkt:DateOfStartOfBoardMeeting><in-capmkt:StartTimeOfBoardMeeting contextRef="OneD">11:10:00</in-capmkt:StartTimeOfBoardMeeting><in-capmkt:DateOfEndOfBoardMeeting contextRef="OneD">2026-05-05</in-capmkt:DateOfEndOfBoardMeeting><in-capmkt:EndTimeOfBoardMeeting contextRef="OneD">12:35:00</in-capmkt:EndTimeOfBoardMeeting><in-capmkt:WhetherCashFlowStatementIsApplicableOnCompany contextRef="OneD">true</in-capmkt:WhetherCashFlowStatementIsApplicableOnCompany><in-capmkt:TypeOfCashFlowStatement contextRef="OneD">Cash Flow Indirect</in-capmkt:TypeOfCashFlowStatement><in-capmkt:DeclarationOfUnmodifiedOpinionOrStatementOnImpactOfAuditQualification contextRef="OneD">Declaration of unmodified opinion</in-capmkt:DeclarationOfUnmodifiedOpinionOrStatementOnImpactOfAuditQualification><in-capmkt:DateOfStartOfReportingPeriod contextRef="OneD">2026-01-01</in-capmkt:DateOfStartOfReportingPeriod><in-capmkt:DateOfEndOfReportingPeriod contextRef="OneD">2026-03-31</in-capmkt:DateOfEndOfReportingPeriod><in-capmkt:WhetherResultsAreAuditedOrUnaudited contextRef="OneD">Audited</in-capmkt:WhetherResultsAreAuditedOrUnaudited><in-capmkt:NatureOfReportStandaloneConsolidated contextRef="OneD">Consolidated</in-capmkt:NatureOfReportStandaloneConsolidated><in-capmkt:InterestOrDiscountOnAdvancesOrBills contextRef="OneD" decimals="-5" unitRef="INR">226962700000</in-capmkt:InterestOrDiscountOnAdvancesOrBills><in-capmkt:RevenueOnInvestments contextRef="OneD" decimals="-5" unitRef="INR">84651700000</in-capmkt:RevenueOnInvestments><in-capmkt:InterestOnBalancesWithReserveBankOfIndiaAndOtherInterBankFunds contextRef="OneD" decimals="-5" unitRef="INR">12407000000</in-capmkt:InterestOnBalancesWithReserveBankOfIndiaAndOtherInterBankFunds><in-capmkt:OtherInterest contextRef="OneD" decimals="-5" unitRef="INR">3956300000</in-capmkt:OtherInterest><in-capmkt:InterestEarned contextRef="OneD" decimals="-5" unitRef="INR">327977700000</in-capmkt:InterestEarned><in-capmkt:OtherIncome contextRef="OneD" decimals="-5" unitRef="INR">40802500000</in-capmkt:OtherIncome><in-capmkt:Income contextRef="OneD" decimals="-5" unitRef="INR">368780200000</in-capmkt:Income><in-capmkt:InterestExpended contextRef="OneD" decimals="-5" unitRef="INR">222187800000</in-capmkt:InterestExpended><in-capmkt:EmployeesCost contextRef="OneD" decimals="-5" unitRef="INR">38107300000</in-capmkt:EmployeesCost><in-capmkt:OtherOperatingExpenses contextRef="OneD" decimals="-5" unitRef="INR">33273000000</in-capmkt:OtherOperatingExpenses><in-capmkt:OperatingExpenses contextRef="OneD" decimals="-5" unitRef="INR">71380300000</in-capmkt:OperatingExpenses><in-capmkt:ExpenditureExcludingProvisionsAndContingencies contextRef="OneD" decimals="-5" unitRef="INR">293568100000</in-capmkt:ExpenditureExcludingProvisionsAndContingencies><in-capmkt:OperatingProfitBeforeProvisionAndContingencies contextRef="OneD" decimals="-5" unitRef="INR">75212100000</in-capmkt:OperatingProfitBeforeProvisionAndContingencies><in-capmkt:ProvisionsOtherThanTaxAndContingencies contextRef="OneD" decimals="-5" unitRef="INR">3799300000</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">71412800000</in-capmkt:ProfitLossFromOrdinaryActivitiesBeforeTax><in-capmkt:TaxExpense contextRef="OneD" decimals="-5" unitRef="INR">19161600000</in-capmkt:TaxExpense><in-capmkt:ProfitLossFromOrdinaryActivitiesAfterTax contextRef="OneD" decimals="-5" unitRef="INR">52251200000</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">52251200000</in-capmkt:ProfitLossForThePeriod><in-capmkt:ShareOfProfitLossOfAssociates contextRef="OneD" decimals="-5" unitRef="INR">3773500000</in-capmkt:ShareOfProfitLossOfAssociates><in-capmkt:ProfitLossOfMinorityInterest contextRef="OneD" decimals="-5" unitRef="INR">108300000</in-capmkt:ProfitLossOfMinorityInterest><in-capmkt:ProfitLossAfterTaxesMinorityInterestAndShareOfProfitLossOfAssociates contextRef="OneD" decimals="-5" unitRef="INR">55916400000</in-capmkt:ProfitLossAfterTaxesMinorityInterestAndShareOfProfitLossOfAssociates><in-capmkt:PaidUpValueOfEquityShareCapital contextRef="OneD" decimals="-5" unitRef="INR">22985900000</in-capmkt:PaidUpValueOfEquityShareCapital><in-capmkt:FaceValueOfEquityShareCapital contextRef="OneD" decimals="INF" unitRef="INRPerShare">2</in-capmkt:FaceValueOfEquityShareCapital><in-capmkt:PercentageOfShareHeldByGovernmentOfIndia contextRef="OneD" decimals="INF" unitRef="pure">0.7008</in-capmkt:PercentageOfShareHeldByGovernmentOfIndia><in-capmkt:CET1Ratio contextRef="OneD" decimals="INF" unitRef="pure">0.1367</in-capmkt:CET1Ratio><in-capmkt:AdditionalTier1Ratio contextRef="OneD" decimals="INF" unitRef="pure">0.0153</in-capmkt:AdditionalTier1Ratio><in-capmkt:BasicEarningsPerShareBeforeExtraordinaryItems contextRef="OneD" decimals="INF" unitRef="INRPerShare">4.83</in-capmkt:BasicEarningsPerShareBeforeExtraordinaryItems><in-capmkt:DilutedEarningsPerShareBeforeExtraordinaryItems contextRef="OneD" decimals="INF" unitRef="INRPerShare">4.83</in-capmkt:DilutedEarningsPerShareBeforeExtraordinaryItems><in-capmkt:BasicEarningsPerShareAfterExtraordinaryItems contextRef="OneD" decimals="INF" unitRef="INRPerShare">4.83</in-capmkt:BasicEarningsPerShareAfterExtraordinaryItems><in-capmkt:DilutedEarningsPerShareAfterExtraordinaryItems contextRef="OneD" decimals="INF" unitRef="INRPerShare">4.83</in-capmkt:DilutedEarningsPerShareAfterExtraordinaryItems><in-capmkt:GrossNonPerformingAssets contextRef="OneD" decimals="-5" unitRef="INR">0</in-capmkt:GrossNonPerformingAssets><in-capmkt:NonPerformingAssets contextRef="OneD" decimals="-5" unitRef="INR">0</in-capmkt:NonPerformingAssets><in-capmkt:PercentageOfGrossNpa contextRef="OneD" decimals="INF" unitRef="pure">0</in-capmkt:PercentageOfGrossNpa><in-capmkt:PercentageOfNpa contextRef="OneD" decimals="INF" unitRef="pure">0</in-capmkt:PercentageOfNpa><in-capmkt:ReturnOnAssets contextRef="OneD" decimals="INF" unitRef="pure">0</in-capmkt:ReturnOnAssets><in-capmkt:DisclosureOfNotesOnFinancialResultsExplanatoryTextBlock contextRef="OneD">As per intimation of outcome of board meeting dated 05.05.2026 filed today.</in-capmkt:DisclosureOfNotesOnFinancialResultsExplanatoryTextBlock><in-capmkt:DateOfStartOfReportingPeriod contextRef="FourD">2025-04-01</in-capmkt:DateOfStartOfReportingPeriod><in-capmkt:DateOfEndOfReportingPeriod contextRef="FourD">2026-03-31</in-capmkt:DateOfEndOfReportingPeriod><in-capmkt:WhetherResultsAreAuditedOrUnaudited contextRef="FourD">Audited</in-capmkt:WhetherResultsAreAuditedOrUnaudited><in-capmkt:NatureOfReportStandaloneConsolidated contextRef="FourD">Consolidated</in-capmkt:NatureOfReportStandaloneConsolidated><in-capmkt:InterestOrDiscountOnAdvancesOrBills contextRef="FourD" decimals="-5" unitRef="INR">895468900000</in-capmkt:InterestOrDiscountOnAdvancesOrBills><in-capmkt:RevenueOnInvestments contextRef="FourD" decimals="-5" unitRef="INR">348362000000</in-capmkt:RevenueOnInvestments><in-capmkt:InterestOnBalancesWithReserveBankOfIndiaAndOtherInterBankFunds contextRef="FourD" decimals="-5" unitRef="INR">43108500000</in-capmkt:InterestOnBalancesWithReserveBankOfIndiaAndOtherInterBankFunds><in-capmkt:OtherInterest contextRef="FourD" decimals="-5" unitRef="INR">20781500000</in-capmkt:OtherInterest><in-capmkt:InterestEarned contextRef="FourD" decimals="-5" unitRef="INR">1307720900000</in-capmkt:InterestEarned><in-capmkt:OtherIncome contextRef="FourD" decimals="-5" unitRef="INR">186912100000</in-capmkt:OtherIncome><in-capmkt:Income contextRef="FourD" decimals="-5" unitRef="INR">1494633000000</in-capmkt:Income><in-capmkt:InterestExpended contextRef="FourD" decimals="-5" unitRef="INR">880694000000</in-capmkt:InterestExpended><in-capmkt:EmployeesCost contextRef="FourD" decimals="-5" unitRef="INR">189922800000</in-capmkt:EmployeesCost><in-capmkt:OtherOperatingExpenses contextRef="FourD" decimals="-5" unitRef="INR">128366800000</in-capmkt:OtherOperatingExpenses><in-capmkt:OperatingExpenses contextRef="FourD" decimals="-5" unitRef="INR">318289600000</in-capmkt:OperatingExpenses><in-capmkt:ExpenditureExcludingProvisionsAndContingencies contextRef="FourD" decimals="-5" unitRef="INR">1198983600000</in-capmkt:ExpenditureExcludingProvisionsAndContingencies><in-capmkt:OperatingProfitBeforeProvisionAndContingencies contextRef="FourD" decimals="-5" unitRef="INR">295649400000</in-capmkt:OperatingProfitBeforeProvisionAndContingencies><in-capmkt:ProvisionsOtherThanTaxAndContingencies contextRef="FourD" decimals="-5" unitRef="INR">24832800000</in-capmkt:ProvisionsOtherThanTaxAndContingencies><in-capmkt:ExceptionalItems contextRef="FourD" decimals="-5" unitRef="INR">0</in-capmkt:ExceptionalItems><in-capmkt:ProfitLossFromOrdinaryActivitiesBeforeTax contextRef="FourD" decimals="-5" unitRef="INR">270816600000</in-capmkt:ProfitLossFromOrdinaryActivitiesBeforeTax><in-capmkt:TaxExpense contextRef="FourD" decimals="-5" unitRef="INR">99858900000</in-capmkt:TaxExpense><in-capmkt:ProfitLossFromOrdinaryActivitiesAfterTax contextRef="FourD" decimals="-5" unitRef="INR">170957700000</in-capmkt:ProfitLossFromOrdinaryActivitiesAfterTax><in-capmkt:ExtraordinaryItems contextRef="FourD" decimals="-5" unitRef="INR">0</in-capmkt:ExtraordinaryItems><in-capmkt:ProfitLossForThePeriod contextRef="FourD" decimals="-5" unitRef="INR">170957700000</in-capmkt:ProfitLossForThePeriod><in-capmkt:ShareOfProfitLossOfAssociates contextRef="FourD" decimals="-5" unitRef="INR">13709300000</in-capmkt:ShareOfProfitLossOfAssociates><in-capmkt:ProfitLossOfMinorityInterest contextRef="FourD" decimals="-5" unitRef="INR">740100000</in-capmkt:ProfitLossOfMinorityInterest><in-capmkt:ProfitLossAfterTaxesMinorityInterestAndShareOfProfitLossOfAssociates contextRef="FourD" decimals="-5" unitRef="INR">183926900000</in-capmkt:ProfitLossAfterTaxesMinorityInterestAndShareOfProfitLossOfAssociates><in-capmkt:PaidUpValueOfEquityShareCapital contextRef="FourD" decimals="-5" unitRef="INR">22985900000</in-capmkt:PaidUpValueOfEquityShareCapital><in-capmkt:FaceValueOfEquityShareCapital contextRef="FourD" decimals="INF" unitRef="INRPerShare">2</in-capmkt:FaceValueOfEquityShareCapital><in-capmkt:ReserveExcludingRevaluationReserves contextRef="FourD" decimals="-5" unitRef="INR">1373103000000</in-capmkt:ReserveExcludingRevaluationReserves><in-capmkt:PercentageOfShareHeldByGovernmentOfIndia contextRef="FourD" decimals="INF" unitRef="pure">0.7008</in-capmkt:PercentageOfShareHeldByGovernmentOfIndia><in-capmkt:CET1Ratio contextRef="FourD" decimals="INF" unitRef="pure">0.1367</in-capmkt:CET1Ratio><in-capmkt:AdditionalTier1Ratio contextRef="FourD" decimals="INF" unitRef="pure">0.0153</in-capmkt:AdditionalTier1Ratio><in-capmkt:BasicEarningsPerShareBeforeExtraordinaryItems contextRef="FourD" decimals="INF" unitRef="INRPerShare">16</in-capmkt:BasicEarningsPerShareBeforeExtraordinaryItems><in-capmkt:DilutedEarningsPerShareBeforeExtraordinaryItems contextRef="FourD" decimals="INF" unitRef="INRPerShare">16</in-capmkt:DilutedEarningsPerShareBeforeExtraordinaryItems><in-capmkt:BasicEarningsPerShareAfterExtraordinaryItems contextRef="FourD" decimals="INF" unitRef="INRPerShare">16</in-capmkt:BasicEarningsPerShareAfterExtraordinaryItems><in-capmkt:DilutedEarningsPerShareAfterExtraordinaryItems contextRef="FourD" decimals="INF" unitRef="INRPerShare">16</in-capmkt:DilutedEarningsPerShareAfterExtraordinaryItems><in-capmkt:GrossNonPerformingAssets contextRef="FourD" decimals="-5" unitRef="INR">0</in-capmkt:GrossNonPerformingAssets><in-capmkt:NonPerformingAssets contextRef="FourD" decimals="-5" unitRef="INR">0</in-capmkt:NonPerformingAssets><in-capmkt:PercentageOfGrossNpa contextRef="FourD" decimals="INF" unitRef="pure">0</in-capmkt:PercentageOfGrossNpa><in-capmkt:PercentageOfNpa contextRef="FourD" decimals="INF" unitRef="pure">0</in-capmkt:PercentageOfNpa><in-capmkt:ReturnOnAssets contextRef="FourD" decimals="INF" unitRef="pure">0</in-capmkt:ReturnOnAssets><in-capmkt:DescriptionOfOperatingExpenses contextRef="OneExpenses1D">Other Operating Expenses</in-capmkt:DescriptionOfOperatingExpenses><in-capmkt:OtherOperatingExpenses contextRef="OneExpenses1D" decimals="-5" unitRef="INR">33273000000</in-capmkt:OtherOperatingExpenses><in-capmkt:DescriptionOfOperatingExpenses contextRef="FourExpenses1D">Other Operating Expenses</in-capmkt:DescriptionOfOperatingExpenses><in-capmkt:OtherOperatingExpenses contextRef="FourExpenses1D" decimals="-5" unitRef="INR">128366800000</in-capmkt:OtherOperatingExpenses><in-capmkt:Capital contextRef="OneI" decimals="-5" unitRef="INR">22985900000</in-capmkt:Capital><in-capmkt:ReservesAndSurplus contextRef="OneI" decimals="-5" unitRef="INR">1476736300000</in-capmkt:ReservesAndSurplus><in-capmkt:Deposits contextRef="OneI" decimals="-5" unitRef="INR">17247954200000</in-capmkt:Deposits><in-capmkt:Borrowings contextRef="OneI" decimals="-5" unitRef="INR">1075584000000</in-capmkt:Borrowings><in-capmkt:OtherLiabilitiesAndProvisions contextRef="OneI" decimals="-5" unitRef="INR">510049100000</in-capmkt:OtherLiabilitiesAndProvisions><in-capmkt:CapitalAndLiabilities contextRef="OneI" decimals="-5" unitRef="INR">20333309500000</in-capmkt:CapitalAndLiabilities><in-capmkt:CashAndBalancesWithReserveBankOfIndia contextRef="OneI" decimals="-5" unitRef="INR">608821700000</in-capmkt:CashAndBalancesWithReserveBankOfIndia><in-capmkt:BalancesWithBanksAndMoneyAtCallAndShortNotice contextRef="OneI" decimals="-5" unitRef="INR">1032398100000</in-capmkt:BalancesWithBanksAndMoneyAtCallAndShortNotice><in-capmkt:Investments contextRef="OneI" decimals="-5" unitRef="INR">5235145200000</in-capmkt:Investments><in-capmkt:Advances contextRef="OneI" decimals="-5" unitRef="INR">12379800500000</in-capmkt:Advances><in-capmkt:FixedAssets contextRef="OneI" decimals="-5" unitRef="INR">156253600000</in-capmkt:FixedAssets><in-capmkt:OtherAssets contextRef="OneI" decimals="-5" unitRef="INR">920890400000</in-capmkt:OtherAssets><in-capmkt:Assets contextRef="OneI" decimals="-5" unitRef="INR">20333309500000</in-capmkt:Assets><in-capmkt:DisclosureOfNotesOnAssetsAndLiabilitiesExplanatoryTextBlock contextRef="OneD">As per intimation of outcome of board meeting dated 05.05.2026 filed today.</in-capmkt:DisclosureOfNotesOnAssetsAndLiabilitiesExplanatoryTextBlock><in-capmkt:DescriptionOfOtherLiabilitiesAndProvisions contextRef="I_OtherLiabilitiesAndProvisions1">Other liabilities and provisions</in-capmkt:DescriptionOfOtherLiabilitiesAndProvisions><in-capmkt:OtherLiabilitiesAndProvisions contextRef="I_OtherLiabilitiesAndProvisions1" decimals="-5" unitRef="INR">503153800000</in-capmkt:OtherLiabilitiesAndProvisions><in-capmkt:DescriptionOfOtherLiabilitiesAndProvisions contextRef="I_OtherLiabilitiesAndProvisions2">Minority Interest</in-capmkt:DescriptionOfOtherLiabilitiesAndProvisions><in-capmkt:OtherLiabilitiesAndProvisions contextRef="I_OtherLiabilitiesAndProvisions2" decimals="-5" unitRef="INR">6895300000</in-capmkt:OtherLiabilitiesAndProvisions><in-capmkt:DescriptionOfOtherAssets contextRef="I_OtherAssets1">Other Assets</in-capmkt:DescriptionOfOtherAssets><in-capmkt:OtherAssets contextRef="I_OtherAssets1" decimals="-5" unitRef="INR">920890400000</in-capmkt:OtherAssets><in-capmkt:DescriptionOfReportableSegment contextRef="OneReportable11D">Treasury Operations</in-capmkt:DescriptionOfReportableSegment><in-capmkt:SegmentRevenue contextRef="OneReportable11D" decimals="-5" unitRef="INR">104062000000</in-capmkt:SegmentRevenue><in-capmkt:DescriptionOfReportableSegment contextRef="OneReportable12D">Corporate / Wholesale Banking</in-capmkt:DescriptionOfReportableSegment><in-capmkt:SegmentRevenue contextRef="OneReportable12D" decimals="-5" unitRef="INR">154376700000</in-capmkt:SegmentRevenue><in-capmkt:DescriptionOfReportableSegment contextRef="OneReportable13D">Retail Banking</in-capmkt:DescriptionOfReportableSegment><in-capmkt:SegmentRevenue contextRef="OneReportable13D" decimals="-5" unitRef="INR">104686600000</in-capmkt:SegmentRevenue><in-capmkt:DescriptionOfReportableSegment contextRef="OneReportable14D">Other Banking Operations</in-capmkt:DescriptionOfReportableSegment><in-capmkt:SegmentRevenue contextRef="OneReportable14D" decimals="-5" unitRef="INR">5654900000</in-capmkt:SegmentRevenue><in-capmkt:DescriptionOfReportableSegment contextRef="FourReportable11D">Treasury Operations</in-capmkt:DescriptionOfReportableSegment><in-capmkt:SegmentRevenue contextRef="FourReportable11D" decimals="-5" unitRef="INR">447811700000</in-capmkt:SegmentRevenue><in-capmkt:DescriptionOfReportableSegment contextRef="FourReportable12D">Corporate / Wholesale Banking</in-capmkt:DescriptionOfReportableSegment><in-capmkt:SegmentRevenue contextRef="FourReportable12D" decimals="-5" unitRef="INR">567342700000</in-capmkt:SegmentRevenue><in-capmkt:DescriptionOfReportableSegment contextRef="FourReportable13D">Retail Banking</in-capmkt:DescriptionOfReportableSegment><in-capmkt:SegmentRevenue contextRef="FourReportable13D" decimals="-5" unitRef="INR">440149600000</in-capmkt:SegmentRevenue><in-capmkt:DescriptionOfReportableSegment contextRef="FourReportable14D">Other Banking Operations</in-capmkt:DescriptionOfReportableSegment><in-capmkt:SegmentRevenue contextRef="FourReportable14D" decimals="-5" unitRef="INR">39329000000</in-capmkt:SegmentRevenue><in-capmkt:SegmentRevenue contextRef="OneD" decimals="-5" unitRef="INR">368780200000</in-capmkt:SegmentRevenue><in-capmkt:SegmentRevenue contextRef="FourD" decimals="-5" unitRef="INR">1494633000000</in-capmkt:SegmentRevenue><in-capmkt:SegmentRevenueFromOperations contextRef="OneD" decimals="-5" unitRef="INR">368780200000</in-capmkt:SegmentRevenueFromOperations><in-capmkt:SegmentRevenueFromOperations contextRef="FourD" decimals="-5" unitRef="INR">1494633000000</in-capmkt:SegmentRevenueFromOperations><in-capmkt:DescriptionOfReportableSegment contextRef="OneReportable21D">Treasury Operations</in-capmkt:DescriptionOfReportableSegment><in-capmkt:SegmentProfitLossBeforeTaxAndFinanceCosts contextRef="OneReportable21D" decimals="-5" unitRef="INR">15292800000</in-capmkt:SegmentProfitLossBeforeTaxAndFinanceCosts><in-capmkt:DescriptionOfReportableSegment contextRef="OneReportable22D">Corporate / Wholesale Banking</in-capmkt:DescriptionOfReportableSegment><in-capmkt:SegmentProfitLossBeforeTaxAndFinanceCosts contextRef="OneReportable22D" decimals="-5" unitRef="INR">39598100000</in-capmkt:SegmentProfitLossBeforeTaxAndFinanceCosts><in-capmkt:DescriptionOfReportableSegment contextRef="OneReportable23D">Retail Banking</in-capmkt:DescriptionOfReportableSegment><in-capmkt:SegmentProfitLossBeforeTaxAndFinanceCosts contextRef="OneReportable23D" decimals="-5" unitRef="INR">27509600000</in-capmkt:SegmentProfitLossBeforeTaxAndFinanceCosts><in-capmkt:DescriptionOfReportableSegment contextRef="OneReportable24D">Other Banking Operations</in-capmkt:DescriptionOfReportableSegment><in-capmkt:SegmentProfitLossBeforeTaxAndFinanceCosts contextRef="OneReportable24D" decimals="-5" unitRef="INR">1682600000</in-capmkt:SegmentProfitLossBeforeTaxAndFinanceCosts><in-capmkt:DescriptionOfReportableSegment contextRef="FourReportable21D">Treasury Operations</in-capmkt:DescriptionOfReportableSegment><in-capmkt:SegmentProfitLossBeforeTaxAndFinanceCosts contextRef="FourReportable21D" decimals="-5" unitRef="INR">113711600000</in-capmkt:SegmentProfitLossBeforeTaxAndFinanceCosts><in-capmkt:DescriptionOfReportableSegment contextRef="FourReportable22D">Corporate / Wholesale Banking</in-capmkt:DescriptionOfReportableSegment><in-capmkt:SegmentProfitLossBeforeTaxAndFinanceCosts contextRef="FourReportable22D" decimals="-5" unitRef="INR">123866400000</in-capmkt:SegmentProfitLossBeforeTaxAndFinanceCosts><in-capmkt:DescriptionOfReportableSegment contextRef="FourReportable23D">Retail Banking</in-capmkt:DescriptionOfReportableSegment><in-capmkt:SegmentProfitLossBeforeTaxAndFinanceCosts contextRef="FourReportable23D" decimals="-5" unitRef="INR">94878400000</in-capmkt:SegmentProfitLossBeforeTaxAndFinanceCosts><in-capmkt:DescriptionOfReportableSegment contextRef="FourReportable24D">Other Banking Operations</in-capmkt:DescriptionOfReportableSegment><in-capmkt:SegmentProfitLossBeforeTaxAndFinanceCosts contextRef="FourReportable24D" decimals="-5" unitRef="INR">9873900000</in-capmkt:SegmentProfitLossBeforeTaxAndFinanceCosts><in-capmkt:SegmentProfitLossBeforeTaxAndFinanceCosts contextRef="OneD" decimals="-5" unitRef="INR">84083100000</in-capmkt:SegmentProfitLossBeforeTaxAndFinanceCosts><in-capmkt:SegmentProfitLossBeforeTaxAndFinanceCosts contextRef="FourD" decimals="-5" unitRef="INR">342330300000</in-capmkt:SegmentProfitLossBeforeTaxAndFinanceCosts><in-capmkt:SegmentProfitBeforeTax contextRef="OneD" decimals="-5" unitRef="INR">84083100000</in-capmkt:SegmentProfitBeforeTax><in-capmkt:SegmentProfitBeforeTax contextRef="FourD" decimals="-5" unitRef="INR">342330300000</in-capmkt:SegmentProfitBeforeTax><in-capmkt:DescriptionOfReportableSegment contextRef="OneReportable31D">Treasury Operations</in-capmkt:DescriptionOfReportableSegment><in-capmkt:SegmentAssets contextRef="OneReportable31I" decimals="-5" unitRef="INR">5623197200000</in-capmkt:SegmentAssets><in-capmkt:DescriptionOfReportableSegment contextRef="OneReportable32D">Corporate / Wholesale Banking</in-capmkt:DescriptionOfReportableSegment><in-capmkt:SegmentAssets contextRef="OneReportable32I" decimals="-5" unitRef="INR">8647962000000</in-capmkt:SegmentAssets><in-capmkt:DescriptionOfReportableSegment contextRef="OneReportable33D">Retail Banking</in-capmkt:DescriptionOfReportableSegment><in-capmkt:SegmentAssets contextRef="OneReportable33I" decimals="-5" unitRef="INR">5064464800000</in-capmkt:SegmentAssets><in-capmkt:DescriptionOfReportableSegment contextRef="OneReportable34D">Other Banking Operations</in-capmkt:DescriptionOfReportableSegment><in-capmkt:SegmentAssets contextRef="OneReportable34I" decimals="-5" unitRef="INR">662856800000</in-capmkt:SegmentAssets><in-capmkt:SegmentAssets contextRef="OneI" decimals="-5" unitRef="INR">19998480800000</in-capmkt:SegmentAssets><in-capmkt:UnAllocableAssets contextRef="OneI" decimals="-5" unitRef="INR">334828700000</in-capmkt:UnAllocableAssets><in-capmkt:NetSegmentAssets contextRef="OneI" decimals="-5" unitRef="INR">20333309500000</in-capmkt:NetSegmentAssets><in-capmkt:DescriptionOfReportableSegment contextRef="OneReportable41D">Treasury Operations</in-capmkt:DescriptionOfReportableSegment><in-capmkt:SegmentLiabilities contextRef="OneReportable41I" decimals="-5" unitRef="INR">5232248700000</in-capmkt:SegmentLiabilities><in-capmkt:DescriptionOfReportableSegment contextRef="OneReportable42D">Corporate / Wholesale Banking</in-capmkt:DescriptionOfReportableSegment><in-capmkt:SegmentLiabilities contextRef="OneReportable42I" decimals="-5" unitRef="INR">8137450800000</in-capmkt:SegmentLiabilities><in-capmkt:DescriptionOfReportableSegment contextRef="OneReportable43D">Retail Banking</in-capmkt:DescriptionOfReportableSegment><in-capmkt:SegmentLiabilities contextRef="OneReportable43I" decimals="-5" unitRef="INR">4811394300000</in-capmkt:SegmentLiabilities><in-capmkt:DescriptionOfReportableSegment contextRef="OneReportable44D">Other Banking Operations</in-capmkt:DescriptionOfReportableSegment><in-capmkt:SegmentLiabilities contextRef="OneReportable44I" decimals="-5" unitRef="INR">611038900000</in-capmkt:SegmentLiabilities><in-capmkt:SegmentLiabilities contextRef="OneI" decimals="-5" unitRef="INR">18792132700000</in-capmkt:SegmentLiabilities><in-capmkt:UnAllocableLiabilities contextRef="OneI" decimals="-5" unitRef="INR">41454600000</in-capmkt:UnAllocableLiabilities><in-capmkt:NetSegmentLiabilities contextRef="OneI" decimals="-5" unitRef="INR">18833587300000</in-capmkt:NetSegmentLiabilities><in-capmkt:DisclosureOfNotesOnSegmentsExplanatoryTextBlock contextRef="OneD">1. Segment Liabilities are distributed in the ratio of their respective Segment Assets. &lt;BR&gt; 
2. Figures of the previous period have been re-grouped/re-classified wherever necessary. &lt;BR&gt; 
3. As per RBI Circular RBI/2022-23/19 DOR.AUT.REC. 12/22.01.001/2022-23 dated April 07, 2022, for the purpose of disclosure under Accounting Standard 17, Segment Reporting, Digital Banking Segment has been identified as sub-segment under Retail Banking by Reserve Bank of India (RBI). As on March 31, 2026, 8 (eight) Digital Banking Units (DBUs) of the Bank are operating and the segment information disclosed as Digital Banking under Retail Banking Operations is related to the said DBUs.</in-capmkt:DisclosureOfNotesOnSegmentsExplanatoryTextBlock><in-capmkt:ProfitBeforeExtraordinaryItemsAndTax contextRef="FourD" decimals="-5" unitRef="INR">270816600000</in-capmkt:ProfitBeforeExtraordinaryItemsAndTax><in-capmkt:AdjustmentsForFinanceCosts contextRef="FourD" decimals="-5" unitRef="INR">29112200000</in-capmkt:AdjustmentsForFinanceCosts><in-capmkt:AdjustmentsForDepreciationAndAmortisationExpense contextRef="FourD" decimals="-5" unitRef="INR">12812000000</in-capmkt:AdjustmentsForDepreciationAndAmortisationExpense><in-capmkt:AdjustmentsForImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss contextRef="FourD" decimals="-5" unitRef="INR">-8334700000</in-capmkt:AdjustmentsForImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss><in-capmkt:AdjustmentsForUnrealisedForeignExchangeLossesGains contextRef="FourD" decimals="-5" unitRef="INR">0</in-capmkt:AdjustmentsForUnrealisedForeignExchangeLossesGains><in-capmkt:AdjustmentsForDividendIncome contextRef="FourD" decimals="-5" unitRef="INR">0</in-capmkt:AdjustmentsForDividendIncome><in-capmkt:AdjustmentsForSharebasedPayments contextRef="FourD" decimals="-5" unitRef="INR">0</in-capmkt:AdjustmentsForSharebasedPayments><in-capmkt:OtherAdjustmentsForWhichCashEffectsAreInvestingOrFinancingCashFlow contextRef="FourD" decimals="-5" unitRef="INR">-71900000</in-capmkt:OtherAdjustmentsForWhichCashEffectsAreInvestingOrFinancingCashFlow><in-capmkt:OtherAdjustmentsToReconcileProfitLoss contextRef="FourD" decimals="-5" unitRef="INR">0</in-capmkt:OtherAdjustmentsToReconcileProfitLoss><in-capmkt:OtherAdjustmentsForNoncashItems contextRef="FourD" decimals="-5" unitRef="INR">16068500000</in-capmkt:OtherAdjustmentsForNoncashItems><in-capmkt:ShareOfProfitAndLossFromPartnershipFirmOrAssociationOfPersonsOrLimitedLiabilityPartnerships contextRef="FourD" decimals="-5" unitRef="INR">-9991600000</in-capmkt:ShareOfProfitAndLossFromPartnershipFirmOrAssociationOfPersonsOrLimitedLiabilityPartnerships><in-capmkt:AdjustmentsToProfitLoss contextRef="FourD" decimals="-5" unitRef="INR">39594500000</in-capmkt:AdjustmentsToProfitLoss><in-capmkt:AdjustmentsForDecreaseIncreaseInInventories contextRef="FourD" decimals="-5" unitRef="INR">0</in-capmkt:AdjustmentsForDecreaseIncreaseInInventories><in-capmkt:AdjustmentsForDecreaseIncreaseInTradeReceivables contextRef="FourD" decimals="-5" unitRef="INR">0</in-capmkt:AdjustmentsForDecreaseIncreaseInTradeReceivables><in-capmkt:AdjustmentsForDecreaseIncreaseInOtherCurrentAssets contextRef="FourD" decimals="-5" unitRef="INR">-1694130700000</in-capmkt:AdjustmentsForDecreaseIncreaseInOtherCurrentAssets><in-capmkt:AdjustmentsForIncreaseDecreaseInTradePayables contextRef="FourD" decimals="-5" unitRef="INR">0</in-capmkt:AdjustmentsForIncreaseDecreaseInTradePayables><in-capmkt:AdjustmentsForIncreaseDecreaseInOtherCurrentLiabilities contextRef="FourD" decimals="-5" unitRef="INR">1619979600000</in-capmkt:AdjustmentsForIncreaseDecreaseInOtherCurrentLiabilities><in-capmkt:AdjustmentsForProvisions contextRef="FourD" decimals="-5" unitRef="INR">20407600000</in-capmkt:AdjustmentsForProvisions><in-capmkt:AdjustmentsForWorkingCapital contextRef="FourD" decimals="-5" unitRef="INR">-53743500000</in-capmkt:AdjustmentsForWorkingCapital><in-capmkt:AdjustmentsForReconcileProfitLoss contextRef="FourD" decimals="-5" unitRef="INR">-14149000000</in-capmkt:AdjustmentsForReconcileProfitLoss><in-capmkt:CashFlowsFromUsedInOperations contextRef="FourD" decimals="-5" unitRef="INR">256667600000</in-capmkt:CashFlowsFromUsedInOperations><in-capmkt:DividendsReceivedClassifiedAsOperatingActivities contextRef="FourD" decimals="-5" unitRef="INR">0</in-capmkt:DividendsReceivedClassifiedAsOperatingActivities><in-capmkt:InterestPaidClassifiedAsOperatingActivities contextRef="FourD" decimals="-5" unitRef="INR">0</in-capmkt:InterestPaidClassifiedAsOperatingActivities><in-capmkt:InterestReceivedClassifiedAsOperatingActivities contextRef="FourD" decimals="-5" unitRef="INR">0</in-capmkt:InterestReceivedClassifiedAsOperatingActivities><in-capmkt:IncomeTaxesPaidRefundClassifiedAsOperatingActivities contextRef="FourD" decimals="-5" unitRef="INR">313500000</in-capmkt:IncomeTaxesPaidRefundClassifiedAsOperatingActivities><in-capmkt:OtherInflowsOutflowsOfCashClassifiedAsOperatingActivities contextRef="FourD" decimals="-5" unitRef="INR">0</in-capmkt:OtherInflowsOutflowsOfCashClassifiedAsOperatingActivities><in-capmkt:CashFlowsFromUsedInOperatingActivitiesBeforeExtraordinaryItems contextRef="FourD" decimals="-5" unitRef="INR">256354100000</in-capmkt:CashFlowsFromUsedInOperatingActivitiesBeforeExtraordinaryItems><in-capmkt:ProceedsFromExtraordinaryItemsClassifiedAsOperatingActivities contextRef="FourD" decimals="-5" unitRef="INR">0</in-capmkt:ProceedsFromExtraordinaryItemsClassifiedAsOperatingActivities><in-capmkt:PaymentForExtraordinaryItemsClassifiedAsOperatingActivities contextRef="FourD" decimals="-5" unitRef="INR">0</in-capmkt:PaymentForExtraordinaryItemsClassifiedAsOperatingActivities><in-capmkt:CashFlowsFromUsedInOperatingActivities contextRef="FourD" decimals="-5" unitRef="INR">256354100000</in-capmkt:CashFlowsFromUsedInOperatingActivities><in-capmkt:CashFlowsFromLosingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities contextRef="FourD" decimals="-5" unitRef="INR">9740800000</in-capmkt:CashFlowsFromLosingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities><in-capmkt:CashFlowsUsedInObtainingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities contextRef="FourD" decimals="-5" unitRef="INR">0</in-capmkt:CashFlowsUsedInObtainingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities><in-capmkt:OtherCashReceiptsFromSalesOfEquityOrDebtInstrumentsOfOtherEntitiesClassifiedAsInvestingActivities contextRef="FourD" decimals="-5" unitRef="INR">0</in-capmkt:OtherCashReceiptsFromSalesOfEquityOrDebtInstrumentsOfOtherEntitiesClassifiedAsInvestingActivities><in-capmkt:OtherCashPaymentsToAcquireEquityOrDebtInstrumentsOfOtherEntitiesClassifiedAsInvestingActivities contextRef="FourD" decimals="-5" unitRef="INR">0</in-capmkt:OtherCashPaymentsToAcquireEquityOrDebtInstrumentsOfOtherEntitiesClassifiedAsInvestingActivities><in-capmkt:OtherCashReceiptsFromSalesOfInterestsInJointVenturesClassifiedAsInvestingActivities contextRef="FourD" decimals="-5" unitRef="INR">0</in-capmkt:OtherCashReceiptsFromSalesOfInterestsInJointVenturesClassifiedAsInvestingActivities><in-capmkt:OtherCashPaymentsToAcquireInterestsInJointVenturesClassifiedAsInvestingActivities contextRef="FourD" decimals="-5" unitRef="INR">0</in-capmkt:OtherCashPaymentsToAcquireInterestsInJointVenturesClassifiedAsInvestingActivities><in-capmkt:CashReceiptsFromShareOfProfitsOfPartnershipFirmOrAssociationOfPersonsOrLimitedLiabilityPartnerships contextRef="FourD" decimals="-5" unitRef="INR">0</in-capmkt:CashReceiptsFromShareOfProfitsOfPartnershipFirmOrAssociationOfPersonsOrLimitedLiabilityPartnerships><in-capmkt:CashPaymentForInvestmentInPartnershipFirmOrAssociationOfPersonsOrLimitedLiabilityPartnerships contextRef="FourD" decimals="-5" unitRef="INR">0</in-capmkt:CashPaymentForInvestmentInPartnershipFirmOrAssociationOfPersonsOrLimitedLiabilityPartnerships><in-capmkt:ProceedsFromSalesOfTangibleAssetsClassifiedAsInvestingActivities contextRef="FourD" decimals="-5" unitRef="INR">415000000</in-capmkt:ProceedsFromSalesOfTangibleAssetsClassifiedAsInvestingActivities><in-capmkt:PurchaseOfTangibleAssetsClassifiedAsInvestingActivities contextRef="FourD" decimals="-5" unitRef="INR">16245800000</in-capmkt:PurchaseOfTangibleAssetsClassifiedAsInvestingActivities><in-capmkt:ProceedsFromSalesOfIntangibleAssetsClassifiedAsInvestingActivities contextRef="FourD" decimals="-5" unitRef="INR">0</in-capmkt:ProceedsFromSalesOfIntangibleAssetsClassifiedAsInvestingActivities><in-capmkt:PurchaseOfIntangibleAssetsClassifiedAsInvestingActivities contextRef="FourD" decimals="-5" unitRef="INR">0</in-capmkt:PurchaseOfIntangibleAssetsClassifiedAsInvestingActivities><in-capmkt:CashAdvancesAndLoansMadeToOtherPartiesClassifiedAsInvestingActivities contextRef="FourD" decimals="-5" unitRef="INR">0</in-capmkt:CashAdvancesAndLoansMadeToOtherPartiesClassifiedAsInvestingActivities><in-capmkt:CashReceiptsFromRepaymentOfAdvancesAndLoansMadeToOtherPartiesClassifiedAsInvestingActivities contextRef="FourD" decimals="-5" unitRef="INR">0</in-capmkt:CashReceiptsFromRepaymentOfAdvancesAndLoansMadeToOtherPartiesClassifiedAsInvestingActivities><in-capmkt:CashPaymentsForFutureContractsForwardContractsOptionContractsAndSwapContractsClassifiedAsInvestingActivities contextRef="FourD" decimals="-5" unitRef="INR">0</in-capmkt:CashPaymentsForFutureContractsForwardContractsOptionContractsAndSwapContractsClassifiedAsInvestingActivities><in-capmkt:CashReceiptsFromFutureContractsForwardContractsOptionContractsAndSwapContractsClassifiedAsInvestingActivities contextRef="FourD" decimals="-5" unitRef="INR">0</in-capmkt:CashReceiptsFromFutureContractsForwardContractsOptionContractsAndSwapContractsClassifiedAsInvestingActivities><in-capmkt:DividendsReceivedClassifiedAsInvestingActivities contextRef="FourD" decimals="-5" unitRef="INR">0</in-capmkt:DividendsReceivedClassifiedAsInvestingActivities><in-capmkt:InterestReceivedClassifiedAsInvestingActivities contextRef="FourD" decimals="-5" unitRef="INR">0</in-capmkt:InterestReceivedClassifiedAsInvestingActivities><in-capmkt:IncomeTaxesPaidRefundClassifiedAsInvestingActivities contextRef="FourD" decimals="-5" unitRef="INR">0</in-capmkt:IncomeTaxesPaidRefundClassifiedAsInvestingActivities><in-capmkt:OtherInflowsOutflowsOfCashClassifiedAsInvestingActivities contextRef="FourD" decimals="-5" unitRef="INR">0</in-capmkt:OtherInflowsOutflowsOfCashClassifiedAsInvestingActivities><in-capmkt:ProceedsFromGovernmentGrantsClassifiedAsInvestingActivities contextRef="FourD" decimals="-5" unitRef="INR">0</in-capmkt:ProceedsFromGovernmentGrantsClassifiedAsInvestingActivities><in-capmkt:CashFlowsFromUsedInInvestingActivitiesBeforeExtraordinaryItems contextRef="FourD" decimals="-5" unitRef="INR">-6090000000</in-capmkt:CashFlowsFromUsedInInvestingActivitiesBeforeExtraordinaryItems><in-capmkt:ProceedsFromExtraordinaryItemsClassifiedAsInvestingActivities contextRef="FourD" decimals="-5" unitRef="INR">0</in-capmkt:ProceedsFromExtraordinaryItemsClassifiedAsInvestingActivities><in-capmkt:PaymentForExtraordinaryItemsClassifiedAsInvestingActivities contextRef="FourD" decimals="-5" unitRef="INR">0</in-capmkt:PaymentForExtraordinaryItemsClassifiedAsInvestingActivities><in-capmkt:CashFlowsFromUsedInInvestingActivities contextRef="FourD" decimals="-5" unitRef="INR">-6090000000</in-capmkt:CashFlowsFromUsedInInvestingActivities><in-capmkt:ProceedsFromIssuingShares contextRef="FourD" decimals="-5" unitRef="INR">0</in-capmkt:ProceedsFromIssuingShares><in-capmkt:ProceedsFromIssuingOtherEquityInstruments contextRef="FourD" decimals="-5" unitRef="INR">0</in-capmkt:ProceedsFromIssuingOtherEquityInstruments><in-capmkt:ProceedsFromIssuingDebenturesNotesBondsEtc contextRef="FourD" decimals="-5" unitRef="INR">0</in-capmkt:ProceedsFromIssuingDebenturesNotesBondsEtc><in-capmkt:ProceedsFromBorrowingsClassifiedAsFinancingActivities contextRef="FourD" decimals="-5" unitRef="INR">0</in-capmkt:ProceedsFromBorrowingsClassifiedAsFinancingActivities><in-capmkt:RepaymentsOfBorrowingsClassifiedAsFinancingActivities contextRef="FourD" decimals="-5" unitRef="INR">54890000000</in-capmkt:RepaymentsOfBorrowingsClassifiedAsFinancingActivities><in-capmkt:DividendsPaidClassifiedAsFinancingActivities contextRef="FourD" decimals="-5" unitRef="INR">33249000000</in-capmkt:DividendsPaidClassifiedAsFinancingActivities><in-capmkt:InterestPaidClassifiedAsFinancingActivities contextRef="FourD" decimals="-5" unitRef="INR">29112200000</in-capmkt:InterestPaidClassifiedAsFinancingActivities><in-capmkt:IncomeTaxesPaidRefundClassifiedAsFinancingActivities contextRef="FourD" decimals="-5" unitRef="INR">0</in-capmkt:IncomeTaxesPaidRefundClassifiedAsFinancingActivities><in-capmkt:OtherInflowsOutflowsOfCashClassifiedAsFinancingActivities contextRef="FourD" decimals="-5" unitRef="INR">611100000</in-capmkt:OtherInflowsOutflowsOfCashClassifiedAsFinancingActivities><in-capmkt:CashFlowsFromUsedInFinancingActivitiesBeforeExtraordinaryItems contextRef="FourD" decimals="-5" unitRef="INR">-116640100000</in-capmkt:CashFlowsFromUsedInFinancingActivitiesBeforeExtraordinaryItems><in-capmkt:ProceedsFromExtraordinaryItemsClassifiedAsFinancingActivities contextRef="FourD" decimals="-5" unitRef="INR">0</in-capmkt:ProceedsFromExtraordinaryItemsClassifiedAsFinancingActivities><in-capmkt:PaymentForExtraordinaryItemsClassifiedAsFinancingActivities contextRef="FourD" decimals="-5" unitRef="INR">0</in-capmkt:PaymentForExtraordinaryItemsClassifiedAsFinancingActivities><in-capmkt:CashFlowsFromUsedInFinancingActivities contextRef="FourD" decimals="-5" unitRef="INR">-116640100000</in-capmkt:CashFlowsFromUsedInFinancingActivities><in-capmkt:IncreaseDecreaseInCashAndCashEquivalentsBeforeEffectOfExchangeRateChanges contextRef="FourD" decimals="-5" unitRef="INR">133624000000</in-capmkt:IncreaseDecreaseInCashAndCashEquivalentsBeforeEffectOfExchangeRateChanges><in-capmkt:EffectOfExchangeRateChangesOnCashAndCashEquivalents contextRef="FourD" decimals="-5" unitRef="INR">0</in-capmkt:EffectOfExchangeRateChangesOnCashAndCashEquivalents><in-capmkt:IncreaseDecreaseInCashAndCashEquivalents contextRef="FourD" decimals="-5" unitRef="INR">133624000000</in-capmkt:IncreaseDecreaseInCashAndCashEquivalents><in-capmkt:CashAndCashEquivalentsCashFlowStatement contextRef="PY_I" decimals="-5" unitRef="INR">1507595800000</in-capmkt:CashAndCashEquivalentsCashFlowStatement><in-capmkt:CashAndCashEquivalentsCashFlowStatement contextRef="OneI" decimals="-5" unitRef="INR">1641219800000</in-capmkt:CashAndCashEquivalentsCashFlowStatement><in-capmkt:WhetherResultsAreAuditedOrUnauditedForImpactOfAuditQualification contextRef="OneD">Audited</in-capmkt:WhetherResultsAreAuditedOrUnauditedForImpactOfAuditQualification><in-capmkt:DeclarationPursuantToClauseDOfSubRegulation3OfRegulation33OfSEBILODRRegulation2015 contextRef="OneD">true</in-capmkt:DeclarationPursuantToClauseDOfSubRegulation3OfRegulation33OfSEBILODRRegulation2015><in-capmkt:AuditorsFirmName contextRef="D_Auditor1">Ummed Jain &amp; Co</in-capmkt:AuditorsFirmName><in-capmkt:WhetherTheFirmHoldsAValidPeerReviewCertificateIssuedByPeerReviewBoardOfICAI contextRef="D_Auditor1">true</in-capmkt:WhetherTheFirmHoldsAValidPeerReviewCertificateIssuedByPeerReviewBoardOfICAI><in-capmkt:ValidityDateOfCertificate contextRef="D_Auditor1">2028-07-31</in-capmkt:ValidityDateOfCertificate><in-capmkt:AuditorsFirmName contextRef="D_Auditor2">N K Bhargava &amp; Co</in-capmkt:AuditorsFirmName><in-capmkt:WhetherTheFirmHoldsAValidPeerReviewCertificateIssuedByPeerReviewBoardOfICAI contextRef="D_Auditor2">true</in-capmkt:WhetherTheFirmHoldsAValidPeerReviewCertificateIssuedByPeerReviewBoardOfICAI><in-capmkt:ValidityDateOfCertificate contextRef="D_Auditor2">2029-02-28</in-capmkt:ValidityDateOfCertificate><in-capmkt:AuditorsFirmName contextRef="D_Auditor3">Prem Gupta &amp; Co.</in-capmkt:AuditorsFirmName><in-capmkt:WhetherTheFirmHoldsAValidPeerReviewCertificateIssuedByPeerReviewBoardOfICAI contextRef="D_Auditor3">true</in-capmkt:WhetherTheFirmHoldsAValidPeerReviewCertificateIssuedByPeerReviewBoardOfICAI><in-capmkt:ValidityDateOfCertificate contextRef="D_Auditor3">2027-12-31</in-capmkt:ValidityDateOfCertificate><in-capmkt:AuditorsFirmName contextRef="D_Auditor4">P A &amp; Associates</in-capmkt:AuditorsFirmName><in-capmkt:WhetherTheFirmHoldsAValidPeerReviewCertificateIssuedByPeerReviewBoardOfICAI contextRef="D_Auditor4">true</in-capmkt:WhetherTheFirmHoldsAValidPeerReviewCertificateIssuedByPeerReviewBoardOfICAI><in-capmkt:ValidityDateOfCertificate contextRef="D_Auditor4">2028-12-31</in-capmkt:ValidityDateOfCertificate></xbrli:xbrl>