<?xml version="1.0" encoding="UTF-8" standalone="no"?><!--IFIndAs V2.1 (26-06-2026)--><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_IndAS/2026-01-31/in-capmkt/in-capmkt-ent" xmlns:in-capmkt-roles="http://www.sebi.gov.in/xbrl/IntegratedFinance_IndAS/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 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unitRef="INR">104369000</in-capmkt:ProfitLossForPeriodFromContinuingOperations><in-capmkt:ProfitLossFromDiscontinuedOperationsBeforeTax contextRef="OneD" decimals="-5" unitRef="INR">0</in-capmkt:ProfitLossFromDiscontinuedOperationsBeforeTax><in-capmkt:TaxExpenseOfDiscontinuedOperations contextRef="OneD" decimals="-5" unitRef="INR">0</in-capmkt:TaxExpenseOfDiscontinuedOperations><in-capmkt:ProfitLossFromDiscontinuedOperationsAfterTax contextRef="OneD" decimals="-5" unitRef="INR">0</in-capmkt:ProfitLossFromDiscontinuedOperationsAfterTax><in-capmkt:ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod contextRef="OneD" decimals="-5" unitRef="INR">0</in-capmkt:ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod><in-capmkt:ProfitLossForPeriod contextRef="OneD" decimals="-3" unitRef="INR">104369000</in-capmkt:ProfitLossForPeriod><in-capmkt:OtherComprehensiveIncomeNetOfTaxes contextRef="OneD" decimals="-3" unitRef="INR">354000</in-capmkt:OtherComprehensiveIncomeNetOfTaxes><in-capmkt:ComprehensiveIncomeForThePeriod contextRef="OneD" decimals="-3" unitRef="INR">104723000</in-capmkt:ComprehensiveIncomeForThePeriod><in-capmkt:PaidUpValueOfEquityShareCapital contextRef="OneD" decimals="-4" unitRef="INR">101680000</in-capmkt:PaidUpValueOfEquityShareCapital><in-capmkt:FaceValueOfEquityShareCapital contextRef="OneD" decimals="INF" unitRef="INRPerShare">2</in-capmkt:FaceValueOfEquityShareCapital><in-capmkt:BasicEarningsLossPerShareFromContinuingOperations contextRef="OneD" decimals="INF" unitRef="INRPerShare">2.05</in-capmkt:BasicEarningsLossPerShareFromContinuingOperations><in-capmkt:DilutedEarningsLossPerShareFromContinuingOperations contextRef="OneD" decimals="INF" unitRef="INRPerShare">2.05</in-capmkt:DilutedEarningsLossPerShareFromContinuingOperations><in-capmkt:BasicEarningsLossPerShareFromDiscontinuedOperations contextRef="OneD" decimals="INF" unitRef="INRPerShare">0</in-capmkt:BasicEarningsLossPerShareFromDiscontinuedOperations><in-capmkt:DilutedEarningsLossPerShareFromDiscontinuedOperations contextRef="OneD" decimals="INF" unitRef="INRPerShare">0</in-capmkt:DilutedEarningsLossPerShareFromDiscontinuedOperations><in-capmkt:BasicEarningsLossPerShareFromContinuingAndDiscontinuedOperations contextRef="OneD" decimals="INF" unitRef="INRPerShare">2.05</in-capmkt:BasicEarningsLossPerShareFromContinuingAndDiscontinuedOperations><in-capmkt:DilutedEarningsLossPerShareFromContinuingAndDiscontinuedOperations contextRef="OneD" decimals="INF" unitRef="INRPerShare">2.05</in-capmkt:DilutedEarningsLossPerShareFromContinuingAndDiscontinuedOperations><in-capmkt:DisclosureOfNotesOnFinancialResultsExplanatoryTextBlock contextRef="OneD">Notes to the unaudited standalone financial results for the quarter ended June 30, 2026: &lt;br /&gt; 
	 &lt;br /&gt; 
1.The above unaudited standalone financial results have been prepared in accordance with Regulation 33 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 read with SEBI circular CIR/CFD/FAC/62/2016 dated 5th July, 2016. &lt;br /&gt; 
  &lt;br /&gt; 
2.The above unaudited standalone financial results are prepared to comply in all material respect in accordance with Indian Accounting Standard (Ind AS) notified under Section 133 of the Companies Act, 2013, read with relevant rules issued there under. These unaudited standalone financial results were reviewed and recommended by the Audit Committee and approved by the Board of Directors at their respective meetings held on August 10, 2026.  &lt;br /&gt; 
 &lt;br /&gt; 
3.During the quarter ended June 30, 2026, the Company has allotted 1,80,919 equity shares (Face value of Rs. 2/- each) pursuant to the exercise of options granted under Employee Stock Option Scheme.  &lt;br /&gt; 
 &lt;br /&gt; 
4.The Company had setup its branch in GIFT CITY IFSC, the branch operates as fund management entity (FME) and the profit of such branch is allowed as a deduction under Section 80LA of Income Tax Act, 1961. Accordingly, the current tax for the quarter ended has been determined after considering the above deduction.  &lt;br /&gt; 
 &lt;br /&gt; 
5.As per Ind AS 108 ‘Operating Segments’, Segment has been disclosed in consolidated financial results, hence no separate disclosure has been given in standalone financial results of the Company.  &lt;br /&gt; 
 &lt;br /&gt; 
6.The employee benefit expenses includes reversal of ESOP expenses due to resignations of senior management personnels during the quarter: &lt;br /&gt; 
                                                (Rs. in lakhs) &lt;br /&gt; 
Particulars                       	 For the Quarter ended June 30,2026  &lt;br /&gt; 
                                                (Unaudited) &lt;br /&gt; 
Employee benefits expenses	98.60 &lt;br /&gt; 
Reversal of ESOP expenses	(358.27) &lt;br /&gt; 
Net amount	                (259.67) &lt;br /&gt; 
 &lt;br /&gt; 
7.The figures for the quarter ended March 31, 2026 are balancing figures between the audited figures of the full previous  financial year and the limited reviewed year-to-date figures upto the third quarter of the previous financial year. &lt;br /&gt; 
 &lt;br /&gt; 
8.The information contained in this statement shall also be available on Company’s Website www.abansfinserv.com and also on the website of the Stock Exchanges viz. BSE Limited - www.bseindia.com. and National Stock Exchange of India Limited - www.nseindia.com &lt;br /&gt; 
 &lt;br /&gt; 
9.Figures are regrouped, rearranged and reclassified wherever necessary. Figures are rounded off to the nearest INR value in Lakhs.  &lt;br /&gt; 
 &lt;br /&gt; 
 &lt;br /&gt; 
 &lt;br /&gt; 
Place: Mumbai &lt;br /&gt; 
Date: August 10, 2026	 &lt;br /&gt; 
 &lt;br /&gt; 
 &lt;br /&gt; 
  &lt;br /&gt; 
                                                                                                                                           For Abans Financial Services Limited  &lt;br /&gt; 
                                                                                                                                     (Formerly known as Abans Holdings Limited)  &lt;br /&gt; 
 &lt;br /&gt; 
 &lt;br /&gt; 
 &lt;br /&gt; 
 &lt;br /&gt; 
 &lt;br /&gt; 
                                                                                                                                                                                   Abhishek Bansal &lt;br /&gt; 
                                                                                                                                                          (Chairman &amp; Managing Director) &lt;br /&gt; 
                                                                                                                                                                                     DIN: 01445730 &lt;br /&gt; 
 &lt;br /&gt; 
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