<?xml version="1.0" encoding="UTF-8" standalone="no"?><!--IFFIndAs--><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_IndAS/2025-01-31/in-capmkt/in-capmkt-ent" xmlns:in-capmkt-roles="http://www.sebi.gov.in/xbrl/IntegratedFinance_IndAS/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 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unitRef="INRPerShare">0</in-capmkt:DilutedEarningsLossPerShareFromDiscontinuedOperations><in-capmkt:BasicEarningsLossPerShareFromContinuingAndDiscontinuedOperations contextRef="OneD" decimals="INF" unitRef="INRPerShare">3.35</in-capmkt:BasicEarningsLossPerShareFromContinuingAndDiscontinuedOperations><in-capmkt:DilutedEarningsLossPerShareFromContinuingAndDiscontinuedOperations contextRef="OneD" decimals="INF" unitRef="INRPerShare">3.35</in-capmkt:DilutedEarningsLossPerShareFromContinuingAndDiscontinuedOperations><in-capmkt:DisclosureOfNotesOnFinancialResultsExplanatoryTextBlock contextRef="OneD">Notes:- &lt;BR&gt; 
1. The above Unaudited results (Standalone and Consolidated) have been prepared in accordance with Indian Accounting Standards (‘IND AS) notified under section 133 of the companies Act 2013, read  together with relevant rules issued there under and other accounting principles generally accepted in India. &lt;BR&gt; 
2. The above financial results (Standalone and Consolidated) were reviewed and recommended by the Audit Committee on 08.08.2025 and subsequently approved by the Board of Directors at its meeting held on 08.08.2025. &lt;BR&gt; 
3. The Company is primarily engaged in Automobile Ancillary business and therefore there is only one reportable segment. &lt;BR&gt; 
4. During the year 2024-25,  7,15,18,650 equity shares of Face Value of Rs. 2/- were allotted to the eligible holders of equity shares on the record date (i.e. 30.12.2024) as bonus equity shares by Capitalizing Securities Premium Rs.1200.31 Lakhs and General Reserve Rs. 230.06 Lakhs. &lt;BR&gt; 
In accordance with the 'Ind AS 33 - Earning per share', the figures of Earning Per Share for the period June'24 has been restated to give effect to the allotment of the bonus shares. &lt;BR&gt; 
5. The Figure for the Preceeding 3 months ended 31st March 2025 are the balancing figures between the audited figures in respect of the full finanical year 31st March 2025 and year to date figure upto the third quarter of the relevant financial year. &lt;BR&gt; 
6. The figures for the corresponding previous period have been regrouped/reclassified wherever necessary, to make them comparable with the figures of current period. &lt;BR&gt; 
7. The above results of the Company are available on the Company's website www.bancoindia.com and also on www.bseindia.com and www.nseindia.com. &lt;BR&gt; 
 &lt;BR&gt; 
For Banco Products (India) Limited &lt;BR&gt; 
(Mehul K Patel) &lt;BR&gt; 
Chairman &lt;BR&gt; 
 &lt;BR&gt; 
Place: Vadodara &lt;BR&gt; 
Date: 08.08.2025 &lt;BR&gt; 
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