<?xml version="1.0" encoding="UTF-8" standalone="no"?><!--ICGIG--><xbrli:xbrl xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:in-capmkt="http://www.sebi.gov.in/xbrl/2024-12-31/in-capmkt" xmlns:in-capmkt-ent="http://www.sebi.gov.in/xbrl/IntegratedGovernance/2024-12-31/in-capmkt/in-capmkt-ent" xmlns:in-capmkt-roles="http://www.sebi.gov.in/xbrl/IntegratedGovernance/2024-12-31/in-capmkt-roles" xmlns:in-capmkt-types="http://www.sebi.gov.in/xbrl/2024-12-31/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 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contextRef="MainD">Nil</in-capmkt:TypeOfAnyGuaranteeOrComfortLetterOfPromoterOrAnyOtherEntityControlledByThem><in-capmkt:AggregateAmountOfIssuanceDuringSixMonthsOfAnyGuaranteeOrComfortToPromoterOrAnyOtherEntityControlledByThem contextRef="MainD" decimals="0" unitRef="INR">0</in-capmkt:AggregateAmountOfIssuanceDuringSixMonthsOfAnyGuaranteeOrComfortToPromoterOrAnyOtherEntityControlledByThem><in-capmkt:BalanceOutstandingAtTheEndOfSixMonthsOfAnyGuaranteeOrComfortToPromoterOrAnyOtherEntityControlledByThem contextRef="MainD" decimals="0" unitRef="INR">0</in-capmkt:BalanceOutstandingAtTheEndOfSixMonthsOfAnyGuaranteeOrComfortToPromoterOrAnyOtherEntityControlledByThem><in-capmkt:TypeOfAnyGuaranteeOrComfortLetterOfPromoterGroupOrAnyOtherEntityControlledByThem contextRef="MainD">Corporate 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contextRef="MainD">Nil</in-capmkt:TypeOfAnyGuaranteeOrComfortLetterOfDirectorsIncludingRelativesOrAnyOtherEntityControlledByThem><in-capmkt:AggregateAmountOfIssuanceDuringSixMonthsOfAnyGuaranteeOrComfortToDirectorsIncludingRelativesOrAnyOtherEntityControlledByThem contextRef="MainD" decimals="0" unitRef="INR">0</in-capmkt:AggregateAmountOfIssuanceDuringSixMonthsOfAnyGuaranteeOrComfortToDirectorsIncludingRelativesOrAnyOtherEntityControlledByThem><in-capmkt:BalanceOutstandingAtTheEndOfSixMonthsOfAnyGuaranteeOrComfortToDirectorsIncludingRelativesOrAnyOtherEntityControlledByThem contextRef="MainD" decimals="0" unitRef="INR">0</in-capmkt:BalanceOutstandingAtTheEndOfSixMonthsOfAnyGuaranteeOrComfortToDirectorsIncludingRelativesOrAnyOtherEntityControlledByThem><in-capmkt:TypeOfAnyGuaranteeOrComfortLetterOfKMPsOrAnyOtherEntityControlledByThem contextRef="MainD">Nil</in-capmkt:TypeOfAnyGuaranteeOrComfortLetterOfKMPsOrAnyOtherEntityControlledByThem><in-capmkt:AggregateAmountOfIssuanceDuringSixMonthsOfAnyGuaranteeOrComfortToKMPsOrAnyOtherEntityControlledByThem contextRef="MainD" decimals="0" unitRef="INR">0</in-capmkt:AggregateAmountOfIssuanceDuringSixMonthsOfAnyGuaranteeOrComfortToKMPsOrAnyOtherEntityControlledByThem><in-capmkt:BalanceOutstandingAtTheEndOfSixMonthsOfAnyGuaranteeOrComfortToKMPsOrAnyOtherEntityControlledByThem contextRef="MainD" decimals="0" unitRef="INR">0</in-capmkt:BalanceOutstandingAtTheEndOfSixMonthsOfAnyGuaranteeOrComfortToKMPsOrAnyOtherEntityControlledByThem><in-capmkt:TypeOfSecurityOfPromoterOrAnyOtherEntityControlledByThem contextRef="MainD">Nil</in-capmkt:TypeOfSecurityOfPromoterOrAnyOtherEntityControlledByThem><in-capmkt:AggregateValueOfSecurityProvidedDuringSixMonthsOfSecurityInConnectionWithLoanOrAnyOtherDebtAvailByPromoterOrAnyOtherEntityControlledByThem contextRef="MainD" decimals="0" 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