<?xml version="1.0" encoding="UTF-8" standalone="no"?><!--IFNBFC 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_NBFC/2026-01-31/in-capmkt/in-capmkt-ent" xmlns:in-capmkt-roles="http://www.sebi.gov.in/xbrl/IntegratedFinance_NBFC/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">537820</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2026-04-01</xbrli:startDate><xbrli:endDate>2026-06-30</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="OneI"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">537820</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2026-06-30</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="OneExpenses1D"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">537820</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2026-04-01</xbrli:startDate><xbrli:endDate>2026-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:DetailsOfOtherExpensesAxis">in-capmkt:OtherExpenses1Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context><xbrli:context id="OneExpenses2D"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">537820</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2026-04-01</xbrli:startDate><xbrli:endDate>2026-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:DetailsOfOtherExpensesAxis">in-capmkt:OtherExpenses2Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context><xbrli:context id="OneExpenses3D"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">537820</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2026-04-01</xbrli:startDate><xbrli:endDate>2026-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:DetailsOfOtherExpensesAxis">in-capmkt:OtherExpenses3Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context><xbrli:context id="OneExpenses4D"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">537820</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2026-04-01</xbrli:startDate><xbrli:endDate>2026-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:DetailsOfOtherExpensesAxis">in-capmkt:OtherExpenses4Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context><xbrli:context id="OneExpenses5D"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">537820</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2026-04-01</xbrli:startDate><xbrli:endDate>2026-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:DetailsOfOtherExpensesAxis">in-capmkt:OtherExpenses5Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context><xbrli:context id="OneExpenses6D"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">537820</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2026-04-01</xbrli:startDate><xbrli:endDate>2026-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:DetailsOfOtherExpensesAxis">in-capmkt:OtherExpenses6Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context><xbrli:context id="OneExpenses7D"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">537820</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2026-04-01</xbrli:startDate><xbrli:endDate>2026-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:DetailsOfOtherExpensesAxis">in-capmkt:OtherExpenses7Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context><xbrli:context id="OneExpenses8D"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">537820</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2026-04-01</xbrli:startDate><xbrli:endDate>2026-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:DetailsOfOtherExpensesAxis">in-capmkt:OtherExpenses8Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context><xbrli:context id="OneExpenses9D"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">537820</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2026-04-01</xbrli:startDate><xbrli:endDate>2026-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:DetailsOfOtherExpensesAxis">in-capmkt:OtherExpenses9Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context><xbrli:context id="OneExpenses10D"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">537820</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2026-04-01</xbrli:startDate><xbrli:endDate>2026-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:DetailsOfOtherExpensesAxis">in-capmkt:OtherExpenses10Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context><xbrli:context id="StatementStatic1I"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">537820</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2026-06-30</xbrli:instant></xbrli:period><xbrli:scenario><xbrldi:typedMember dimension="in-capmkt:StatementOfDeviationAxis"><in-capmkt:StatementOfDeviationDomain>Statement1</in-capmkt:StatementOfDeviationDomain></xbrldi:typedMember></xbrli:scenario></xbrli:context><xbrli:context id="StatementStatic1D"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">537820</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2026-04-01</xbrli:startDate><xbrli:endDate>2026-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:typedMember dimension="in-capmkt:StatementOfDeviationAxis"><in-capmkt:StatementOfDeviationDomain>Statement1</in-capmkt:StatementOfDeviationDomain></xbrldi:typedMember></xbrli:scenario></xbrli:context><xbrli:context id="StatementStatic2I"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">537820</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2026-06-30</xbrli:instant></xbrli:period><xbrli:scenario><xbrldi:typedMember dimension="in-capmkt:StatementOfDeviationAxis"><in-capmkt:StatementOfDeviationDomain>Statement2</in-capmkt:StatementOfDeviationDomain></xbrldi:typedMember></xbrli:scenario></xbrli:context><xbrli:context id="StatementStatic2D"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">537820</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2026-04-01</xbrli:startDate><xbrli:endDate>2026-06-30</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:typedMember dimension="in-capmkt:StatementOfDeviationAxis"><in-capmkt:StatementOfDeviationDomain>Statement2</in-capmkt:StatementOfDeviationDomain></xbrldi:typedMember></xbrli:scenario></xbrli:context><xbrli:context id="StatementDynamic1I1"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">537820</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2026-06-30</xbrli:instant></xbrli:period><xbrli:scenario><xbrldi:typedMember dimension="in-capmkt:ObjectAxis"><in-capmkt:ObjectDomain>StatementDynamic1I1</in-capmkt:ObjectDomain></xbrldi:typedMember><xbrldi:typedMember dimension="in-capmkt:StatementOfDeviationAxis"><in-capmkt:StatementOfDeviationDomain>Statement1</in-capmkt:StatementOfDeviationDomain></xbrldi:typedMember></xbrli:scenario></xbrli:context><xbrli:context id="StatementDynamic1I2"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">537820</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2026-06-30</xbrli:instant></xbrli:period><xbrli:scenario><xbrldi:typedMember dimension="in-capmkt:ObjectAxis"><in-capmkt:ObjectDomain>StatementDynamic1I2</in-capmkt:ObjectDomain></xbrldi:typedMember><xbrldi:typedMember dimension="in-capmkt:StatementOfDeviationAxis"><in-capmkt:StatementOfDeviationDomain>Statement1</in-capmkt:StatementOfDeviationDomain></xbrldi:typedMember></xbrli:scenario></xbrli:context><xbrli:context id="StatementDynamic2I1"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">537820</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2026-06-30</xbrli:instant></xbrli:period><xbrli:scenario><xbrldi:typedMember dimension="in-capmkt:ObjectAxis"><in-capmkt:ObjectDomain>StatementDynamic2I1</in-capmkt:ObjectDomain></xbrldi:typedMember><xbrldi:typedMember dimension="in-capmkt:StatementOfDeviationAxis"><in-capmkt:StatementOfDeviationDomain>Statement2</in-capmkt:StatementOfDeviationDomain></xbrldi:typedMember></xbrli:scenario></xbrli:context><xbrli:context id="StatementDynamic2I2"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">537820</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2026-06-30</xbrli:instant></xbrli:period><xbrli:scenario><xbrldi:typedMember dimension="in-capmkt:ObjectAxis"><in-capmkt:ObjectDomain>StatementDynamic2I2</in-capmkt:ObjectDomain></xbrldi:typedMember><xbrldi:typedMember dimension="in-capmkt:StatementOfDeviationAxis"><in-capmkt:StatementOfDeviationDomain>Statement2</in-capmkt:StatementOfDeviationDomain></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">537820</in-capmkt:ScripCode><in-capmkt:Symbol contextRef="OneD">VIJIFIN</in-capmkt:Symbol><in-capmkt:MSEISymbol contextRef="OneD">NOTLISTED</in-capmkt:MSEISymbol><in-capmkt:ISIN contextRef="OneD">INE159N01027</in-capmkt:ISIN><in-capmkt:NameOfTheCompany contextRef="OneD">VIJI FINANCE LIMITED</in-capmkt:NameOfTheCompany><in-capmkt:TypeOfCompany contextRef="OneD">Main Board</in-capmkt:TypeOfCompany><in-capmkt:ClassOfSecurity contextRef="OneD">Equity</in-capmkt:ClassOfSecurity><in-capmkt:DateOfStartOfFinancialYear contextRef="OneD">2026-04-01</in-capmkt:DateOfStartOfFinancialYear><in-capmkt:DateOfEndOfFinancialYear contextRef="OneD">2027-03-31</in-capmkt:DateOfEndOfFinancialYear><in-capmkt:DateOfBoardMeetingWhenFinancialResultsWereApproved contextRef="OneD">2026-07-14</in-capmkt:DateOfBoardMeetingWhenFinancialResultsWereApproved><in-capmkt:DateOnWhichPriorIntimationOfTheMeetingForConsideringFinancialResultsWasInformedToTheExchange contextRef="OneD">2026-07-08</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">First quarter</in-capmkt:ReportingQuarter><in-capmkt:IsCompanyReportingMultisegmentOrSingleSegment contextRef="OneD">Single segment</in-capmkt:IsCompanyReportingMultisegmentOrSingleSegment><in-capmkt:DescriptionOfSingleSegment contextRef="OneD">FINANCIAL SERVICES</in-capmkt:DescriptionOfSingleSegment><in-capmkt:DateOfStartOfBoardMeeting contextRef="OneD">2026-07-14</in-capmkt:DateOfStartOfBoardMeeting><in-capmkt:StartTimeOfBoardMeeting contextRef="OneD">16:00:00</in-capmkt:StartTimeOfBoardMeeting><in-capmkt:DateOfEndOfBoardMeeting contextRef="OneD">2026-07-14</in-capmkt:DateOfEndOfBoardMeeting><in-capmkt:EndTimeOfBoardMeeting contextRef="OneD">18:35:00</in-capmkt:EndTimeOfBoardMeeting><in-capmkt:DeclarationOfUnmodifiedOpinionOrStatementOnImpactOfAuditQualification contextRef="OneD">Not applicable</in-capmkt:DeclarationOfUnmodifiedOpinionOrStatementOnImpactOfAuditQualification><in-capmkt:WhetherStatementOnDeviationOrVariationForProceedsOfPublicIssueOrRightIssueOrPreferentialIssueOrQIPEtcIsApplicableToTheCompanyForTheCurrentQuarter contextRef="OneD">true</in-capmkt:WhetherStatementOnDeviationOrVariationForProceedsOfPublicIssueOrRightIssueOrPreferentialIssueOrQIPEtcIsApplicableToTheCompanyForTheCurrentQuarter><in-capmkt:NumberOfStatementsOfDeviationForTheCurrentQuarter contextRef="OneD" decimals="0" unitRef="pure">2</in-capmkt:NumberOfStatementsOfDeviationForTheCurrentQuarter><in-capmkt:WhetherTheDisclosureForTheDefaultOnLoansAndDebtSecuritiesIsApplicableToTheEntity contextRef="OneD">false</in-capmkt:WhetherTheDisclosureForTheDefaultOnLoansAndDebtSecuritiesIsApplicableToTheEntity><in-capmkt:NoteForNonApplicabilityOfTheDisclosureForTheDefaultOnLoansAndDebtSecuritiesToTheEntity contextRef="OneD">No default on loans during the quarter</in-capmkt:NoteForNonApplicabilityOfTheDisclosureForTheDefaultOnLoansAndDebtSecuritiesToTheEntity><in-capmkt:DateOfStartOfReportingPeriod contextRef="OneD">2026-04-01</in-capmkt:DateOfStartOfReportingPeriod><in-capmkt:DateOfEndOfReportingPeriod contextRef="OneD">2026-06-30</in-capmkt:DateOfEndOfReportingPeriod><in-capmkt:WhetherResultsAreAuditedOrUnaudited contextRef="OneD">Unaudited</in-capmkt:WhetherResultsAreAuditedOrUnaudited><in-capmkt:NatureOfReportStandaloneConsolidated contextRef="OneD">Standalone</in-capmkt:NatureOfReportStandaloneConsolidated><in-capmkt:InterestEarned contextRef="OneD" decimals="-4" unitRef="INR">8880000</in-capmkt:InterestEarned><in-capmkt:DividendIncome contextRef="OneD" decimals="-5" unitRef="INR">0</in-capmkt:DividendIncome><in-capmkt:RentalIncome contextRef="OneD" decimals="-5" unitRef="INR">0</in-capmkt:RentalIncome><in-capmkt:FeesAndCommissionIncome contextRef="OneD" decimals="-5" unitRef="INR">0</in-capmkt:FeesAndCommissionIncome><in-capmkt:NetGainOnFairValueChanges contextRef="OneD" decimals="-5" unitRef="INR">0</in-capmkt:NetGainOnFairValueChanges><in-capmkt:NetGainOnDerecognitionOfFinancialInstrumentsUnderAmortisedCostCategory contextRef="OneD" decimals="-5" unitRef="INR">0</in-capmkt:NetGainOnDerecognitionOfFinancialInstrumentsUnderAmortisedCostCategory><in-capmkt:RevenueFromSaleOfProduct contextRef="OneD" decimals="-5" unitRef="INR">0</in-capmkt:RevenueFromSaleOfProduct><in-capmkt:RevenueFromSaleOfServices contextRef="OneD" decimals="-5" unitRef="INR">0</in-capmkt:RevenueFromSaleOfServices><in-capmkt:RevenueFromOperations contextRef="OneD" decimals="-4" unitRef="INR">8880000</in-capmkt:RevenueFromOperations><in-capmkt:OtherIncome contextRef="OneD" decimals="-3" unitRef="INR">11857000</in-capmkt:OtherIncome><in-capmkt:Income contextRef="OneD" decimals="-3" unitRef="INR">20737000</in-capmkt:Income><in-capmkt:CostOfMaterialsConsumed contextRef="OneD" decimals="-5" unitRef="INR">0</in-capmkt:CostOfMaterialsConsumed><in-capmkt:PurchasesOfStockInTrade contextRef="OneD" decimals="-5" unitRef="INR">0</in-capmkt:PurchasesOfStockInTrade><in-capmkt:ChangesInInventoriesOfFinishedGoodsWorkInProgressAndStockInTrade contextRef="OneD" decimals="-5" unitRef="INR">0</in-capmkt:ChangesInInventoriesOfFinishedGoodsWorkInProgressAndStockInTrade><in-capmkt:EmployeeBenefitExpense contextRef="OneD" decimals="-4" unitRef="INR">540000</in-capmkt:EmployeeBenefitExpense><in-capmkt:FinanceCosts contextRef="OneD" decimals="-3" unitRef="INR">1783000</in-capmkt:FinanceCosts><in-capmkt:DepreciationDepletionAndAmortisationExpense contextRef="OneD" decimals="-3" unitRef="INR">805000</in-capmkt:DepreciationDepletionAndAmortisationExpense><in-capmkt:FeesAndCommissionExpense contextRef="OneD" decimals="-5" unitRef="INR">0</in-capmkt:FeesAndCommissionExpense><in-capmkt:NetLossOnFairValueChanges contextRef="OneD" decimals="-5" unitRef="INR">0</in-capmkt:NetLossOnFairValueChanges><in-capmkt:NetLossOnDerecognitionOfFinancialInstrumentsUnderAmortisedCostCategory contextRef="OneD" decimals="-5" unitRef="INR">0</in-capmkt:NetLossOnDerecognitionOfFinancialInstrumentsUnderAmortisedCostCategory><in-capmkt:ImpairmentOnFinancialInstruments contextRef="OneD" decimals="-5" unitRef="INR">0</in-capmkt:ImpairmentOnFinancialInstruments><in-capmkt:OtherExpenses contextRef="OneD" decimals="-3" unitRef="INR">2318000</in-capmkt:OtherExpenses><in-capmkt:Expenses contextRef="OneD" decimals="-3" unitRef="INR">5446000</in-capmkt:Expenses><in-capmkt:ProfitBeforeExceptionalItemsAndTax contextRef="OneD" decimals="-3" unitRef="INR">15291000</in-capmkt:ProfitBeforeExceptionalItemsAndTax><in-capmkt:ExceptionalItemsBeforeTax contextRef="OneD" decimals="-5" unitRef="INR">0</in-capmkt:ExceptionalItemsBeforeTax><in-capmkt:ProfitBeforeTax contextRef="OneD" decimals="-3" unitRef="INR">15291000</in-capmkt:ProfitBeforeTax><in-capmkt:CurrentTax contextRef="OneD" decimals="-3" unitRef="INR">3976000</in-capmkt:CurrentTax><in-capmkt:DeferredTax contextRef="OneD" decimals="-3" unitRef="INR">-56000</in-capmkt:DeferredTax><in-capmkt:TaxExpense contextRef="OneD" decimals="-4" unitRef="INR">3920000</in-capmkt:TaxExpense><in-capmkt:ProfitLossForPeriodFromContinuingOperations contextRef="OneD" decimals="-3" unitRef="INR">11371000</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">11371000</in-capmkt:ProfitLossForPeriod><in-capmkt:OtherComprehensiveIncomeNetOfTaxes contextRef="OneD" decimals="-5" unitRef="INR">0</in-capmkt:OtherComprehensiveIncomeNetOfTaxes><in-capmkt:ComprehensiveIncomeForThePeriod contextRef="OneD" decimals="-3" unitRef="INR">11371000</in-capmkt:ComprehensiveIncomeForThePeriod><in-capmkt:PaidUpValueOfEquityShareCapital contextRef="OneD" decimals="-5" unitRef="INR">172900000</in-capmkt:PaidUpValueOfEquityShareCapital><in-capmkt:FaceValueOfEquityShareCapital contextRef="OneD" decimals="INF" unitRef="INRPerShare">1</in-capmkt:FaceValueOfEquityShareCapital><in-capmkt:BasicEarningsLossPerShareFromContinuingOperations contextRef="OneD" decimals="INF" unitRef="INRPerShare">0.07</in-capmkt:BasicEarningsLossPerShareFromContinuingOperations><in-capmkt:DilutedEarningsLossPerShareFromContinuingOperations contextRef="OneD" decimals="INF" unitRef="INRPerShare">0.07</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">0.07</in-capmkt:BasicEarningsLossPerShareFromContinuingAndDiscontinuedOperations><in-capmkt:DilutedEarningsLossPerShareFromContinuingAndDiscontinuedOperations contextRef="OneD" decimals="INF" unitRef="INRPerShare">0.07</in-capmkt:DilutedEarningsLossPerShareFromContinuingAndDiscontinuedOperations><in-capmkt:DisclosureOfNotesOnFinancialResultsExplanatoryTextBlock contextRef="OneD">'1. The above un-audited Financial Results of the Company have been prepared in accordance with the guidelines issued by the Securities and Exchange Board of India (SEBI) and the Companies (Indian Accounting Standards) Rules 2015 (Ind As) prescribed under Section 133 of the Companies Act, 2013 and other recognized accounting practices and policies to the extent applicable.  &lt;br /&gt; 
'2. The above un-audited Financial Results for the quarter ended 30th June, 2026 have been reviewed and recommended by the Audit Committtee and approved by the Board of Directors of the Company at their respectives meetings held on 14th July 2026 and are subject to Limited Review by the Statutory Auditors of the Company. &lt;br /&gt; 
3. The figures of the quarter ended March 31, 2026 are the balancing figure between the audited figures in respect of the full financial year ended March 31, 2026  and published year-to-date figures up to the third quarter ended December 31, 2025 which were subject to limited review by the Statutory Auditors of the Company. &lt;br /&gt; 
4.Preferential allotment committee in their meeting held on 16th June, 2026 had allotted 8,85,00,000 (Eight Crore Eighty-Five Lakhs) share warrants convertible into equivalent number of Equity Shares of the Company having face value of Re.1/- (Rupee One Only) ("Equity Share(s)") each at a price of Rs. 2.80/- (Rupees Two and Eighty paisa only) each on the preferential basis to 19 (Nineteen) investors. Pursuant to such allotment, the investors subscribed to the warrants and paid the requisite upfront subscription amount, being 25% of the issue price (i.e. Re. 0.70/-), at the time of allotment.  &lt;br /&gt; 
Further, Out of the said 19 warrant holders, 9 (Nine) warrant holders holding 3,04,00,000 (Three Crore Four Lakhs) warrants have exercised their conversion rights by remitting the balance 75% of the issue price (i.e. Rs. 2.10), aggregating to Rs. 6,38,40,000/-. Accordingly, 3,04,00,000 (Three Crore Four Lakhs) equity shares have been allotted to them by the Preferential Allotment Committee at its meeting held on June 29, 2026. &lt;br /&gt; 
Pursuant to the above allotment the issued, subscribed and paid-up capital of the Company at the quarter ended 30.06.2026 has been increased up to Rs. 17,29,00,000/- consisting of 17,29,00,000 fully paid-up Equity Shares of Re. 1/- each. However, Listing and Trading Approval for aforesaid allotted 30400000 equity shares upon conversion of warrants still pending with stock exchanges. &lt;br /&gt; 
The remaining 5,81,00,000 warrants (held by the other 10 warrant holders) continue to remain outstanding and may be converted into an equivalent number of equity shares upon payment of the balance 75% of the issue price, subject to the terms of the warrant issue and the applicable conversion period. &lt;br /&gt; 
'5.The Company has only one segment i.e. Finance services for the quarter ended 30th June, 2026. Therefore, there is no requirement of segment reporting for the above mentioned period. &lt;br /&gt; 
6. The earnings per share (basic and diluted) for the Interim Period have not been annualized. &lt;br /&gt; 
7. Previous period's figures have been re-stated/ re- grouped/ re- arranged/ reclassified and / or re- casted wherever necessary. &lt;br /&gt; 
8. The aforesaid unaudited financial results will be uploaded on the Company’s website www.vijifinance.com and will also be available on the website of the Stock Exchanges (www.bseindia.com , www.nseindia.com and www.cse-india.com) for the benefit of shareholders and investors.</in-capmkt:DisclosureOfNotesOnFinancialResultsExplanatoryTextBlock><in-capmkt:DescriptionOfOtherExpenses contextRef="OneExpenses1D">ROC FEES</in-capmkt:DescriptionOfOtherExpenses><in-capmkt:OtherExpenses contextRef="OneExpenses1D" decimals="-3" unitRef="INR">1083000</in-capmkt:OtherExpenses><in-capmkt:DescriptionOfOtherExpenses contextRef="OneExpenses2D">LISTING FEES</in-capmkt:DescriptionOfOtherExpenses><in-capmkt:OtherExpenses contextRef="OneExpenses2D" decimals="-4" unitRef="INR">370000</in-capmkt:OtherExpenses><in-capmkt:DescriptionOfOtherExpenses contextRef="OneExpenses3D">PROFESSIONAL FEES</in-capmkt:DescriptionOfOtherExpenses><in-capmkt:OtherExpenses contextRef="OneExpenses3D" decimals="-3" unitRef="INR">291000</in-capmkt:OtherExpenses><in-capmkt:DescriptionOfOtherExpenses contextRef="OneExpenses4D">RENT</in-capmkt:DescriptionOfOtherExpenses><in-capmkt:OtherExpenses contextRef="OneExpenses4D" decimals="-4" unitRef="INR">330000</in-capmkt:OtherExpenses><in-capmkt:DescriptionOfOtherExpenses contextRef="OneExpenses5D">VEHICLE RUNNING AND MAINTENANCE</in-capmkt:DescriptionOfOtherExpenses><in-capmkt:OtherExpenses contextRef="OneExpenses5D" decimals="-3" unitRef="INR">137000</in-capmkt:OtherExpenses><in-capmkt:DescriptionOfOtherExpenses contextRef="OneExpenses6D">ADVERTISEMENT</in-capmkt:DescriptionOfOtherExpenses><in-capmkt:OtherExpenses contextRef="OneExpenses6D" decimals="-3" unitRef="INR">44000</in-capmkt:OtherExpenses><in-capmkt:DescriptionOfOtherExpenses contextRef="OneExpenses7D">INSURANCE</in-capmkt:DescriptionOfOtherExpenses><in-capmkt:OtherExpenses contextRef="OneExpenses7D" decimals="-3" unitRef="INR">31000</in-capmkt:OtherExpenses><in-capmkt:DescriptionOfOtherExpenses contextRef="OneExpenses8D">AUDIT FEES</in-capmkt:DescriptionOfOtherExpenses><in-capmkt:OtherExpenses contextRef="OneExpenses8D" decimals="-3" unitRef="INR">19000</in-capmkt:OtherExpenses><in-capmkt:DescriptionOfOtherExpenses contextRef="OneExpenses9D">BANK AND DEMAT CHARGES</in-capmkt:DescriptionOfOtherExpenses><in-capmkt:OtherExpenses contextRef="OneExpenses9D" decimals="-3" unitRef="INR">11000</in-capmkt:OtherExpenses><in-capmkt:DescriptionOfOtherExpenses contextRef="OneExpenses10D">STATIONERY AND PRINTING</in-capmkt:DescriptionOfOtherExpenses><in-capmkt:OtherExpenses contextRef="OneExpenses10D" decimals="-3" unitRef="INR">2000</in-capmkt:OtherExpenses><in-capmkt:IncomeTaxRelatingToItemsThatWillNotBeReclassifiedToProfitOrLoss contextRef="OneD" decimals="-5" unitRef="INR">0</in-capmkt:IncomeTaxRelatingToItemsThatWillNotBeReclassifiedToProfitOrLoss><in-capmkt:IncomeTaxRelatingToItemsThatWillBeReclassifiedToProfitOrLoss contextRef="OneD" decimals="-5" unitRef="INR">0</in-capmkt:IncomeTaxRelatingToItemsThatWillBeReclassifiedToProfitOrLoss><in-capmkt:OtherComprehensiveIncome contextRef="OneD" decimals="-5" unitRef="INR">0</in-capmkt:OtherComprehensiveIncome><in-capmkt:ModeOfFundRaising contextRef="StatementStatic1I">Preferential Issues</in-capmkt:ModeOfFundRaising><in-capmkt:DateOfFundsRaising contextRef="StatementStatic1I">2026-06-16</in-capmkt:DateOfFundsRaising><in-capmkt:AmountRaised contextRef="StatementStatic1I" decimals="-4" unitRef="INR">61950000</in-capmkt:AmountRaised><in-capmkt:DateOfEndOfReportingPeriod contextRef="StatementStatic1D">2026-06-30</in-capmkt:DateOfEndOfReportingPeriod><in-capmkt:MonitoringAgency contextRef="StatementStatic1D">false</in-capmkt:MonitoringAgency><in-capmkt:IsThereADeviationOrVariationInUseOfFundsRaised contextRef="StatementStatic1D">false</in-capmkt:IsThereADeviationOrVariationInUseOfFundsRaised><in-capmkt:CommentsOfTheAuditCommitteeAfterReview contextRef="StatementStatic1I">There is no deviation/variation in the utilization of funds</in-capmkt:CommentsOfTheAuditCommitteeAfterReview><in-capmkt:CommentsOfTheAuditors contextRef="StatementStatic1I">NA</in-capmkt:CommentsOfTheAuditors><in-capmkt:NameOfSignatoryOfStatementOfDeviationOrVariationInUtilisationOfFundsRaised contextRef="OneD">VIJAY KOTHARI</in-capmkt:NameOfSignatoryOfStatementOfDeviationOrVariationInUtilisationOfFundsRaised><in-capmkt:DesignationOfPersonOfStatementOfDeviationOrVariationInUtilisationOfFundsRaised contextRef="OneD">Managing Director</in-capmkt:DesignationOfPersonOfStatementOfDeviationOrVariationInUtilisationOfFundsRaised><in-capmkt:PlaceOfStatementOfDeviationOrVariationInUtilisationOfFundsRaised contextRef="OneD">INDORE</in-capmkt:PlaceOfStatementOfDeviationOrVariationInUtilisationOfFundsRaised><in-capmkt:DateOfStatementOfDeviationOrVariationInUtilisationOfFundsRaised contextRef="OneI">2026-07-14</in-capmkt:DateOfStatementOfDeviationOrVariationInUtilisationOfFundsRaised><in-capmkt:ModeOfFundRaising contextRef="StatementStatic2I">Preferential Issues</in-capmkt:ModeOfFundRaising><in-capmkt:DateOfFundsRaising contextRef="StatementStatic2I">2026-06-29</in-capmkt:DateOfFundsRaising><in-capmkt:AmountRaised contextRef="StatementStatic2I" decimals="-4" unitRef="INR">74340000</in-capmkt:AmountRaised><in-capmkt:DateOfEndOfReportingPeriod contextRef="StatementStatic2D">2026-06-30</in-capmkt:DateOfEndOfReportingPeriod><in-capmkt:MonitoringAgency contextRef="StatementStatic2D">false</in-capmkt:MonitoringAgency><in-capmkt:IsThereADeviationOrVariationInUseOfFundsRaised contextRef="StatementStatic2D">false</in-capmkt:IsThereADeviationOrVariationInUseOfFundsRaised><in-capmkt:CommentsOfTheAuditCommitteeAfterReview contextRef="StatementStatic2I">There is no deviation/variation in the utilization of funds</in-capmkt:CommentsOfTheAuditCommitteeAfterReview><in-capmkt:CommentsOfTheAuditors contextRef="StatementStatic2I">NA</in-capmkt:CommentsOfTheAuditors><in-capmkt:OriginalObject contextRef="StatementDynamic1I1">For Onward Lending
(The Company is engaged in the business of Non-Banking Financial Services, with its primary activity being onward lending. The Company extends loans (including secured/unsecured loan) and advances to eligible borrowers in accordance with applicable laws and regulatory guidelines.)</in-capmkt:OriginalObject><in-capmkt:ModifiedObject contextRef="StatementDynamic1I1">NA</in-capmkt:ModifiedObject><in-capmkt:OriginalAllocation contextRef="StatementDynamic1I1" decimals="-4" unitRef="INR">61950000</in-capmkt:OriginalAllocation><in-capmkt:ModifiedAllocation contextRef="StatementDynamic1I1" decimals="-5" unitRef="INR">0</in-capmkt:ModifiedAllocation><in-capmkt:FundsUtilised contextRef="StatementDynamic1I1" decimals="-4" unitRef="INR">61950000</in-capmkt:FundsUtilised><in-capmkt:AmountOfDeviationOrVariationForTheQuarterAccordingToApplicableObject contextRef="StatementDynamic1I1" decimals="-5" unitRef="INR">0</in-capmkt:AmountOfDeviationOrVariationForTheQuarterAccordingToApplicableObject><in-capmkt:DisclosureNotesOnObjectsForWhichFundsHaveBeenRaisedAndWhereThereHasBeenADeviation contextRef="StatementDynamic1I1">The Company has received an aggregate upfront subscription of Rs. 6,19,50,000 (Rupees Six Crores Nineteen Lakhs Fifty Thousand only) representing 25% of the total warrant consideration from 19 allottees.</in-capmkt:DisclosureNotesOnObjectsForWhichFundsHaveBeenRaisedAndWhereThereHasBeenADeviation><in-capmkt:OriginalObject contextRef="StatementDynamic1I2">General corporate purposes</in-capmkt:OriginalObject><in-capmkt:ModifiedObject contextRef="StatementDynamic1I2">NA</in-capmkt:ModifiedObject><in-capmkt:OriginalAllocation contextRef="StatementDynamic1I2" decimals="-5" unitRef="INR">0</in-capmkt:OriginalAllocation><in-capmkt:ModifiedAllocation contextRef="StatementDynamic1I2" decimals="-5" unitRef="INR">0</in-capmkt:ModifiedAllocation><in-capmkt:FundsUtilised contextRef="StatementDynamic1I2" decimals="-5" unitRef="INR">0</in-capmkt:FundsUtilised><in-capmkt:AmountOfDeviationOrVariationForTheQuarterAccordingToApplicableObject contextRef="StatementDynamic1I2" decimals="-5" unitRef="INR">0</in-capmkt:AmountOfDeviationOrVariationForTheQuarterAccordingToApplicableObject><in-capmkt:OriginalObject contextRef="StatementDynamic2I1">For Onward Lending
(The Company is engaged in the business of Non-Banking Financial Services, with its primary activity being onward lending. The Company extends loans (including secured/unsecured loan) and advances to eligible borrowers in accordance with applicable laws and regulatory guidelines.)</in-capmkt:OriginalObject><in-capmkt:ModifiedObject contextRef="StatementDynamic2I1">NA</in-capmkt:ModifiedObject><in-capmkt:OriginalAllocation contextRef="StatementDynamic2I1" decimals="-4" unitRef="INR">74340000</in-capmkt:OriginalAllocation><in-capmkt:ModifiedAllocation contextRef="StatementDynamic2I1" decimals="-5" unitRef="INR">0</in-capmkt:ModifiedAllocation><in-capmkt:FundsUtilised contextRef="StatementDynamic2I1" decimals="-4" unitRef="INR">4250000</in-capmkt:FundsUtilised><in-capmkt:AmountOfDeviationOrVariationForTheQuarterAccordingToApplicableObject contextRef="StatementDynamic2I1" decimals="-5" unitRef="INR">0</in-capmkt:AmountOfDeviationOrVariationForTheQuarterAccordingToApplicableObject><in-capmkt:DisclosureNotesOnObjectsForWhichFundsHaveBeenRaisedAndWhereThereHasBeenADeviation contextRef="StatementDynamic2I1">Out of the 19 warrant holders, 9 (Nine) warrant holders have exercised their conversion rights by remitting the balance 75% of the issue price, aggregating to Rs. 6,38,40,000/- and 2 (Two) warrant holders have paid further 25% amount aggregating to Rs. 1,05,00,000/-</in-capmkt:DisclosureNotesOnObjectsForWhichFundsHaveBeenRaisedAndWhereThereHasBeenADeviation><in-capmkt:OriginalObject contextRef="StatementDynamic2I2">General corporate purposes</in-capmkt:OriginalObject><in-capmkt:ModifiedObject contextRef="StatementDynamic2I2">NA</in-capmkt:ModifiedObject><in-capmkt:OriginalAllocation contextRef="StatementDynamic2I2" decimals="-5" unitRef="INR">0</in-capmkt:OriginalAllocation><in-capmkt:ModifiedAllocation contextRef="StatementDynamic2I2" decimals="-5" unitRef="INR">0</in-capmkt:ModifiedAllocation><in-capmkt:FundsUtilised contextRef="StatementDynamic2I2" decimals="-5" unitRef="INR">0</in-capmkt:FundsUtilised><in-capmkt:AmountOfDeviationOrVariationForTheQuarterAccordingToApplicableObject contextRef="StatementDynamic2I2" decimals="-5" unitRef="INR">0</in-capmkt:AmountOfDeviationOrVariationForTheQuarterAccordingToApplicableObject></xbrli:xbrl>