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<!--OBM V1.0 (01-01-2026)-->
<xbrli:xbrl xmlns:in-capmkt="https://www.sebi.gov.in/xbrl/2024-05-31/in-capmkt" xmlns:in-capmkt-roles="https://www.sebi.gov.in/xbrl/Announcements_Pertaining_To_Outcome_Of_Board_Meeting/2024-05-31/in-capmkt/in-capmkt-ent" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric" xmlns:in-capmkt-types="https://www.sebi.gov.in/xbrl/2024-05-31/in-capmkt-types" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:net="http://www.xbrl.org/2009/role/net" xmlns:num="http://www.xbrl.org/dtr/type/numeric" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:iso4217="http://www.xbrl.org/2003/iso4217" xmlns:negated="http://www.xbrl.org/2009/role/negated" xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xl="http://www.w3.org/1999/xlink"><link:schemaRef xlink:type="simple" xlink:href="in-capmkt-ent-2024-05-31.xsd"/><xbrli:context id="MainD"><xbrli:entity><xbrli:identifier scheme="https://www.sebi.gov.in/in-capmkt/NSESymbol">KARURVYSYA</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2026-05-07</xbrli:startDate><xbrli:endDate>2026-05-07</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="MainI"><xbrli:entity><xbrli:identifier scheme="https://www.sebi.gov.in/in-capmkt/NSESymbol">KARURVYSYA</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2026-05-07</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="DividendD"><xbrli:entity><xbrli:identifier scheme="https://www.sebi.gov.in/in-capmkt/NSESymbol">KARURVYSYA</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2026-05-07</xbrli:startDate><xbrli:endDate>2026-05-07</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="DividendI"><xbrli:entity><xbrli:identifier scheme="https://www.sebi.gov.in/in-capmkt/NSESymbol">KARURVYSYA</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2026-05-07</xbrli:instant></xbrli:period></xbrli:context><in-capmkt:NSESymbol contextRef="MainI">KARURVYSYA</in-capmkt:NSESymbol><in-capmkt:NameOfTheCompany contextRef="MainI">KARUR VYSYA BANK LIMITED</in-capmkt:NameOfTheCompany><in-capmkt:TypeOfAnnouncementOfBoardMeeting contextRef="MainD">New</in-capmkt:TypeOfAnnouncementOfBoardMeeting><in-capmkt:FirstEventOfBoardMeeting contextRef="MainD">Dividend</in-capmkt:FirstEventOfBoardMeeting><in-capmkt:DateOfReport contextRef="MainI">2026-05-07</in-capmkt:DateOfReport><in-capmkt:WhetherPriorIntimationOfBoardMeetingConsideringInterimOrFinalDividendGivenToStockExchange contextRef="DividendI">true</in-capmkt:WhetherPriorIntimationOfBoardMeetingConsideringInterimOrFinalDividendGivenToStockExchange><in-capmkt:DateOfPriorIntimationSubmittedToStockExchangeOnBoardMeetingToConsiderDeclarationOfInterimOrRecommendationOfFinalDividend contextRef="DividendI">2026-04-24</in-capmkt:DateOfPriorIntimationSubmittedToStockExchangeOnBoardMeetingToConsiderDeclarationOfInterimOrRecommendationOfFinalDividend><in-capmkt:DateOfBoardMeetingConsideringDeclarationOfInterimOrRecommendationOfFinalDividend contextRef="DividendI">2026-05-07</in-capmkt:DateOfBoardMeetingConsideringDeclarationOfInterimOrRecommendationOfFinalDividend><in-capmkt:StartTimeOfBoardMeetingForAnnouncementOfDividend contextRef="DividendD">12:30:00</in-capmkt:StartTimeOfBoardMeetingForAnnouncementOfDividend><in-capmkt:EndTimeOfBoardMeetingForAnnouncementOfDividend contextRef="DividendD">14:55:00</in-capmkt:EndTimeOfBoardMeetingForAnnouncementOfDividend><in-capmkt:WhetherDeclarationOfInterimDividendOrRecommendationOfFinalDividendApprovedByTheBoard contextRef="DividendD">Yes</in-capmkt:WhetherDeclarationOfInterimDividendOrRecommendationOfFinalDividendApprovedByTheBoard><in-capmkt:FirstTypeOfDividend contextRef="DividendD">Final</in-capmkt:FirstTypeOfDividend><in-capmkt:RateOfFinalDividendRecommendedPerEquityShare contextRef="DividendI">Rs. 2.60 per equity share of face value of Rs. 2 each i.e., 130%</in-capmkt:RateOfFinalDividendRecommendedPerEquityShare><in-capmkt:WhetherRecordDateOrBookClosureBeenFixedForFinalDividend contextRef="DividendI">false</in-capmkt:WhetherRecordDateOrBookClosureBeenFixedForFinalDividend><in-capmkt:NotesForRecordDateOrBookClosureHasNotBeenFixed contextRef="DividendI">Record date will be fixed at a later date and intimated to stock exchanges in the due course</in-capmkt:NotesForRecordDateOrBookClosureHasNotBeenFixed><in-capmkt:WhetherDateOfGeneralMeetingIsFixedForThePurposeOfFinalDividend contextRef="DividendI">false</in-capmkt:WhetherDateOfGeneralMeetingIsFixedForThePurposeOfFinalDividend><in-capmkt:NotesForDateOfGeneralMeetingIsNotFixedForThePurposeOfFinalDividend contextRef="DividendI">Date of Annual General Meeting will be fixed at a later date and intimated to stock exchanges in the due course</in-capmkt:NotesForDateOfGeneralMeetingIsNotFixedForThePurposeOfFinalDividend><in-capmkt:PeriodForWhichFinalDividendIsDeclared contextRef="DividendI">For the Financial Year 2025-26</in-capmkt:PeriodForWhichFinalDividendIsDeclared><in-capmkt:RemarksForWebsiteDisseminationForDividendEvent contextRef="DividendI">Please note that the Board meeting commenced at 12.30 P.M. and the Financial Results were approved by the Board at 2.55 P.M. in its meeting held today, and thereafter the Board meeting continued for consideration of other agenda items.</in-capmkt:RemarksForWebsiteDisseminationForDividendEvent></xbrli:xbrl>
