<?xml version="1.0" encoding="UTF-8"?>
<xbrli:xbrl xmlns:in-bse-fin="http://www.bseindia.com/xbrl/fin/2020-03-31/in-bse-fin" xmlns:in-bse-fin-roles="http://www.bseindia.com/xbrl/fin/2020-03-31/in-bse-fin-roles" xmlns:in-bse-fin-ent="http://www.bseindia.com/xbrl/fin/2020-03-31/in-bse-fin/in-bse-fin-ent" xmlns:in-bse-fin-type="http://www.bseindia.com/xbrl/fin/2020-03-31/in-bse-fin-types" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric" 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.xbrl.org/2003/XLink">
<link:schemaRef xlink:type="simple" xlink:href="in-bse-fin-2020-03-31.xsd"/>
<xbrli:context id="OneD"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">PFS</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-10-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period></xbrli:context>
<xbrli:context id="FourD"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">PFS</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-10-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period></xbrli:context>
<xbrli:context id="OneOperatingExpenses01D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">PFS</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-10-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:DetailsOfOtherExpensesAxis">in-bse-fin:OneOperatingExpenses01Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="FourOperatingExpenses01D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">PFS</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-10-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-bse-fin:DetailsOfOtherExpensesAxis">in-bse-fin:FourOperatingExpenses01Member</xbrldi:explicitMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneI"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">PFS</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context>
<xbrli:context id="FourI"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">PFS</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2024-12-31</xbrli:instant></xbrli:period></xbrli:context>
<xbrli:context id="OneItemsThatWillNotBeReclassifiedToProfitAndLoss01D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">PFS</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-10-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:typedMember dimension="in-bse-fin:ItemsThatWillNotBeReclassifiedToProfitAndLossAxis"><ItemsThatWillNotBeReclassifiedToProfitAndLossDomain>in-bse-fin:OneItemsThatWillNotBeReclassifiedToProfitAndLoss01Member</ItemsThatWillNotBeReclassifiedToProfitAndLossDomain></xbrldi:typedMember></xbrli:scenario></xbrli:context>
<xbrli:context id="FourItemsThatWillNotBeReclassifiedToProfitAndLoss01D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">PFS</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-10-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:typedMember dimension="in-bse-fin:ItemsThatWillNotBeReclassifiedToProfitAndLossAxis"><ItemsThatWillNotBeReclassifiedToProfitAndLossDomain>in-bse-fin:FourItemsThatWillNotBeReclassifiedToProfitAndLoss01Member</ItemsThatWillNotBeReclassifiedToProfitAndLossDomain></xbrldi:typedMember></xbrli:scenario></xbrli:context>
<xbrli:context id="OneItemsThatWillBeReclassifiedToProfitAndLoss01D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">PFS</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-10-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:typedMember dimension="in-bse-fin:ItemsThatWillBeReclassifiedToProfitAndLossAxis"><ItemsThatWillBeReclassifiedToProfitAndLossDomain>in-bse-fin:OneItemsThatWillBeReclassifiedToProfitAndLoss01Member</ItemsThatWillBeReclassifiedToProfitAndLossDomain></xbrldi:typedMember></xbrli:scenario></xbrli:context>
<xbrli:context id="FourItemsThatWillBeReclassifiedToProfitAndLoss01D"><xbrli:entity><xbrli:identifier scheme="http://www.nseindia.com/NSESymbol">PFS</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-10-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:typedMember dimension="in-bse-fin:ItemsThatWillBeReclassifiedToProfitAndLossAxis"><ItemsThatWillBeReclassifiedToProfitAndLossDomain>in-bse-fin:FourItemsThatWillBeReclassifiedToProfitAndLoss01Member</ItemsThatWillBeReclassifiedToProfitAndLossDomain></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="shares"><xbrli:measure>xbrli:shares</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-bse-fin:ScripCode contextRef="OneD">533344</in-bse-fin:ScripCode>
<in-bse-fin:Symbol contextRef="OneD">PFS</in-bse-fin:Symbol>
<in-bse-fin:MSEISymbol contextRef="OneD">NOTLISTED</in-bse-fin:MSEISymbol>
<in-bse-fin:NameOfTheCompany contextRef="OneD">PTC India Financial Services Limited</in-bse-fin:NameOfTheCompany>
<in-bse-fin:ClassOfSecurity contextRef="OneD">Equity</in-bse-fin:ClassOfSecurity>
<in-bse-fin:DateOfStartOfFinancialYear contextRef="OneD">2024-04-01</in-bse-fin:DateOfStartOfFinancialYear>
<in-bse-fin:DateOfEndOfFinancialYear contextRef="OneD">2025-03-31</in-bse-fin:DateOfEndOfFinancialYear>
<in-bse-fin:DateOfBoardMeetingWhenFinancialResultsWereApproved contextRef="OneD">2025-01-28</in-bse-fin:DateOfBoardMeetingWhenFinancialResultsWereApproved>
<in-bse-fin:DateOnWhichPriorIntimationOfTheMeetingForConsideringFinancialResultsWasInformedToTheExchange contextRef="OneD">2025-01-22</in-bse-fin:DateOnWhichPriorIntimationOfTheMeetingForConsideringFinancialResultsWasInformedToTheExchange>
<in-bse-fin:DescriptionOfPresentationCurrency contextRef="OneD">INR</in-bse-fin:DescriptionOfPresentationCurrency>
<in-bse-fin:LevelOfRoundingUsedInFinancialStatements contextRef="OneD">Lakhs</in-bse-fin:LevelOfRoundingUsedInFinancialStatements>
<in-bse-fin:ReportingQuarter contextRef="OneD">Third quarter</in-bse-fin:ReportingQuarter>
<in-bse-fin:DateOfStartOfBoardMeeting contextRef="OneD">2025-01-28</in-bse-fin:DateOfStartOfBoardMeeting>
<in-bse-fin:StartTimeOfBoardMeeting contextRef="OneD">11:00:00</in-bse-fin:StartTimeOfBoardMeeting>
<in-bse-fin:DateOfEndOfBoardMeeting contextRef="OneD">2025-01-28</in-bse-fin:DateOfEndOfBoardMeeting>
<in-bse-fin:EndTimeOfBoardMeeting contextRef="OneD">15:30:00</in-bse-fin:EndTimeOfBoardMeeting>
<in-bse-fin:WhetherCashFlowStatementIsApplicableOnCompany contextRef="OneD">false</in-bse-fin:WhetherCashFlowStatementIsApplicableOnCompany>
<in-bse-fin:DeclarationOfUnmodifiedOpinionOrStatementOnImpactOfAuditQualification contextRef="OneD">Not applicable</in-bse-fin:DeclarationOfUnmodifiedOpinionOrStatementOnImpactOfAuditQualification>
<in-bse-fin:IsCompanyReportingMultisegmentOrSingleSegment contextRef="OneD">Single segment</in-bse-fin:IsCompanyReportingMultisegmentOrSingleSegment>
<in-bse-fin:DescriptionOfSingleSegment contextRef="OneD">1</in-bse-fin:DescriptionOfSingleSegment>
<in-bse-fin:DateOfStartOfReportingPeriod contextRef="OneD">2024-10-01</in-bse-fin:DateOfStartOfReportingPeriod>
<in-bse-fin:DateOfEndOfReportingPeriod contextRef="OneD">2024-12-31</in-bse-fin:DateOfEndOfReportingPeriod>
<in-bse-fin:WhetherResultsAreAuditedOrUnaudited contextRef="OneD">Unaudited</in-bse-fin:WhetherResultsAreAuditedOrUnaudited>
<in-bse-fin:NatureOfReportStandaloneConsolidated contextRef="OneD">Consolidated</in-bse-fin:NatureOfReportStandaloneConsolidated>
<in-bse-fin:InterestEarned contextRef="OneD" unitRef="INR" decimals="-5">1566974000.00</in-bse-fin:InterestEarned>
<in-bse-fin:DividendIncome contextRef="OneD" unitRef="INR" decimals="-5">0.00</in-bse-fin:DividendIncome>
<in-bse-fin:RentalIncome contextRef="OneD" unitRef="INR" decimals="-5">0.00</in-bse-fin:RentalIncome>
<in-bse-fin:FeesAndCommissionIncome contextRef="OneD" unitRef="INR" decimals="-5">9439000.00</in-bse-fin:FeesAndCommissionIncome>
<in-bse-fin:NetGainOnFairValueChanges contextRef="OneD" unitRef="INR" decimals="-5">0.00</in-bse-fin:NetGainOnFairValueChanges>
<in-bse-fin:NetGainOnDerecognitionOfFinancialInstrumentsUnderAmortisedCostCategory contextRef="OneD" unitRef="INR" decimals="-5">0.00</in-bse-fin:NetGainOnDerecognitionOfFinancialInstrumentsUnderAmortisedCostCategory>
<in-bse-fin:RevenueFromSaleOfProduct contextRef="OneD" unitRef="INR" decimals="-5">0.00</in-bse-fin:RevenueFromSaleOfProduct>
<in-bse-fin:RevenueFromSaleOfServices contextRef="OneD" unitRef="INR" decimals="-5">4302000.00</in-bse-fin:RevenueFromSaleOfServices>
<in-bse-fin:OtherRevenueFromOperations contextRef="OneD" unitRef="INR" decimals="-5">0.00</in-bse-fin:OtherRevenueFromOperations>
<in-bse-fin:RevenueFromOperations contextRef="OneD" unitRef="INR" decimals="-5">1580715000.00</in-bse-fin:RevenueFromOperations>
<in-bse-fin:OtherIncome contextRef="OneD" unitRef="INR" decimals="-5">515000.00</in-bse-fin:OtherIncome>
<in-bse-fin:Income contextRef="OneD" unitRef="INR" decimals="-5">1581230000.00</in-bse-fin:Income>
<in-bse-fin:CostOfMaterialsConsumed contextRef="OneD" unitRef="INR" decimals="-5">0.00</in-bse-fin:CostOfMaterialsConsumed>
<in-bse-fin:PurchasesOfStockInTrade contextRef="OneD" unitRef="INR" decimals="-5">0.00</in-bse-fin:PurchasesOfStockInTrade>
<in-bse-fin:ChangesInInventoriesOfFinishedGoodsWorkInProgressAndStockInTrade contextRef="OneD" unitRef="INR" decimals="-5">0.00</in-bse-fin:ChangesInInventoriesOfFinishedGoodsWorkInProgressAndStockInTrade>
<in-bse-fin:EmployeeBenefitExpense contextRef="OneD" unitRef="INR" decimals="-5">46952000.00</in-bse-fin:EmployeeBenefitExpense>
<in-bse-fin:FinanceCosts contextRef="OneD" unitRef="INR" decimals="-5">781105000.00</in-bse-fin:FinanceCosts>
<in-bse-fin:DepreciationDepletionAndAmortisationExpense contextRef="OneD" unitRef="INR" decimals="-5">16178000.00</in-bse-fin:DepreciationDepletionAndAmortisationExpense>
<in-bse-fin:FeesAndCommissionExpense contextRef="OneD" unitRef="INR" decimals="-5">2851000.00</in-bse-fin:FeesAndCommissionExpense>
<in-bse-fin:NetLossOnFairValueChanges contextRef="OneD" unitRef="INR" decimals="-5">38175000.00</in-bse-fin:NetLossOnFairValueChanges>
<in-bse-fin:NetLossOnDerecognitionOfFinancialInstrumentsUnderAmortisedCostCategory contextRef="OneD" unitRef="INR" decimals="-5">0.00</in-bse-fin:NetLossOnDerecognitionOfFinancialInstrumentsUnderAmortisedCostCategory>
<in-bse-fin:ImpairmentOnFinancialInstruments contextRef="OneD" unitRef="INR" decimals="-5">-186782000.00</in-bse-fin:ImpairmentOnFinancialInstruments>
<in-bse-fin:OtherExpenses contextRef="OneD" unitRef="INR" decimals="-5">76026000.00</in-bse-fin:OtherExpenses>
<in-bse-fin:Expenses contextRef="OneD" unitRef="INR" decimals="-5">774505000.00</in-bse-fin:Expenses>
<in-bse-fin:ProfitBeforeExceptionalItemsAndTax contextRef="OneD" unitRef="INR" decimals="-5">806725000.00</in-bse-fin:ProfitBeforeExceptionalItemsAndTax>
<in-bse-fin:ExceptionalItemsBeforeTax contextRef="OneD" unitRef="INR" decimals="-5">0.00</in-bse-fin:ExceptionalItemsBeforeTax>
<in-bse-fin:ProfitBeforeTax contextRef="OneD" unitRef="INR" decimals="-5">806725000.00</in-bse-fin:ProfitBeforeTax>
<in-bse-fin:CurrentTax contextRef="OneD" unitRef="INR" decimals="-5">62399000.00</in-bse-fin:CurrentTax>
<in-bse-fin:DeferredTax contextRef="OneD" unitRef="INR" decimals="-5">72830000.00</in-bse-fin:DeferredTax>
<in-bse-fin:TaxExpense contextRef="OneD" unitRef="INR" decimals="-5">135229000.00</in-bse-fin:TaxExpense>
<in-bse-fin:ProfitLossForPeriodFromContinuingOperations contextRef="OneD" unitRef="INR" decimals="-5">671496000.00</in-bse-fin:ProfitLossForPeriodFromContinuingOperations>
<in-bse-fin:ProfitLossFromDiscontinuedOperationsBeforeTax contextRef="OneD" unitRef="INR" decimals="-5">0.00</in-bse-fin:ProfitLossFromDiscontinuedOperationsBeforeTax>
<in-bse-fin:TaxExpenseOfDiscontinuedOperations contextRef="OneD" unitRef="INR" decimals="-5">0.00</in-bse-fin:TaxExpenseOfDiscontinuedOperations>
<in-bse-fin:ProfitLossFromDiscontinuedOperationsAfterTax contextRef="OneD" unitRef="INR" decimals="-5">0.00</in-bse-fin:ProfitLossFromDiscontinuedOperationsAfterTax>
<in-bse-fin:ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod contextRef="OneD" unitRef="INR" decimals="-5">0.00</in-bse-fin:ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod>
<in-bse-fin:ProfitLossForPeriod contextRef="OneD" unitRef="INR" decimals="-5">671496000.00</in-bse-fin:ProfitLossForPeriod>
<in-bse-fin:OtherComprehensiveIncomeNetOfTaxes contextRef="OneD" unitRef="INR" decimals="-5">-9012000.00</in-bse-fin:OtherComprehensiveIncomeNetOfTaxes>
<in-bse-fin:ComprehensiveIncomeForThePeriod contextRef="OneD" unitRef="INR" decimals="-5">662484000.00</in-bse-fin:ComprehensiveIncomeForThePeriod>
<in-bse-fin:ComprehensiveIncomeForThePeriodAttributableToOwnersOfParent contextRef="OneD" unitRef="INR" decimals="-5">0.00</in-bse-fin:ComprehensiveIncomeForThePeriodAttributableToOwnersOfParent>
<in-bse-fin:ComprehensiveIncomeForThePeriodAttributableToOwnersOfParentNonControllingInterests contextRef="OneD" unitRef="INR" decimals="-5">0.00</in-bse-fin:ComprehensiveIncomeForThePeriodAttributableToOwnersOfParentNonControllingInterests>
<in-bse-fin:PaidUpValueOfEquityShareCapital contextRef="OneD" unitRef="INR" decimals="-5">6422833000.00</in-bse-fin:PaidUpValueOfEquityShareCapital>
<in-bse-fin:FaceValueOfEquityShareCapital contextRef="OneD" unitRef="INRPerShare" decimals="INF">10</in-bse-fin:FaceValueOfEquityShareCapital>
<in-bse-fin:BasicEarningsLossPerShareFromContinuingOperations contextRef="OneD" unitRef="INRPerShare" decimals="INF">1.05</in-bse-fin:BasicEarningsLossPerShareFromContinuingOperations>
<in-bse-fin:DilutedEarningsLossPerShareFromContinuingOperations contextRef="OneD" unitRef="INRPerShare" decimals="INF">1.05</in-bse-fin:DilutedEarningsLossPerShareFromContinuingOperations>
<in-bse-fin:BasicEarningsLossPerShareFromDiscontinuedOperations contextRef="OneD" unitRef="INRPerShare" decimals="INF">0.00</in-bse-fin:BasicEarningsLossPerShareFromDiscontinuedOperations>
<in-bse-fin:DilutedEarningsLossPerShareFromDiscontinuedOperations contextRef="OneD" unitRef="INRPerShare" decimals="INF">0.00</in-bse-fin:DilutedEarningsLossPerShareFromDiscontinuedOperations>
<in-bse-fin:BasicEarningsLossPerShareFromContinuingAndDiscontinuedOperations contextRef="OneD" unitRef="INRPerShare" decimals="INF">1.05</in-bse-fin:BasicEarningsLossPerShareFromContinuingAndDiscontinuedOperations>
<in-bse-fin:DilutedEarningsLossPerShareFromContinuingAndDiscontinuedOperations contextRef="OneD" unitRef="INRPerShare" decimals="INF">1.05</in-bse-fin:DilutedEarningsLossPerShareFromContinuingAndDiscontinuedOperations>
<in-bse-fin:DebtEquityRatio contextRef="OneD" unitRef="pure" decimals="INF">0.01</in-bse-fin:DebtEquityRatio>
<in-bse-fin:DisclosureOfNotesOnFinancialResultsExplanatoryTextBlock contextRef="OneD">Debt service coverage ratio and interest service coverage ratio are not applicable to Banks or NBFC / Housing Finance Companies registered with RBI as per Regulation 52(4) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015</in-bse-fin:DisclosureOfNotesOnFinancialResultsExplanatoryTextBlock>
<in-bse-fin:IsCompanyReportingMultisegmentOrSingleSegment contextRef="FourD">Single segment</in-bse-fin:IsCompanyReportingMultisegmentOrSingleSegment>
<in-bse-fin:DateOfStartOfReportingPeriod contextRef="FourD">2024-04-01</in-bse-fin:DateOfStartOfReportingPeriod>
<in-bse-fin:DateOfEndOfReportingPeriod contextRef="FourD">2024-12-31</in-bse-fin:DateOfEndOfReportingPeriod>
<in-bse-fin:WhetherResultsAreAuditedOrUnaudited contextRef="FourD">Unaudited</in-bse-fin:WhetherResultsAreAuditedOrUnaudited>
<in-bse-fin:NatureOfReportStandaloneConsolidated contextRef="FourD">Consolidated</in-bse-fin:NatureOfReportStandaloneConsolidated>
<in-bse-fin:InterestEarned contextRef="FourD" unitRef="INR" decimals="-5">4763907000.00</in-bse-fin:InterestEarned>
<in-bse-fin:DividendIncome contextRef="FourD" unitRef="INR" decimals="-5">0.00</in-bse-fin:DividendIncome>
<in-bse-fin:RentalIncome contextRef="FourD" unitRef="INR" decimals="-5">0.00</in-bse-fin:RentalIncome>
<in-bse-fin:FeesAndCommissionIncome contextRef="FourD" unitRef="INR" decimals="-5">31594000.00</in-bse-fin:FeesAndCommissionIncome>
<in-bse-fin:NetGainOnFairValueChanges contextRef="FourD" unitRef="INR" decimals="-5">0.00</in-bse-fin:NetGainOnFairValueChanges>
<in-bse-fin:NetGainOnDerecognitionOfFinancialInstrumentsUnderAmortisedCostCategory contextRef="FourD" unitRef="INR" decimals="-5">0.00</in-bse-fin:NetGainOnDerecognitionOfFinancialInstrumentsUnderAmortisedCostCategory>
<in-bse-fin:RevenueFromSaleOfProduct contextRef="FourD" unitRef="INR" decimals="-5">0.00</in-bse-fin:RevenueFromSaleOfProduct>
<in-bse-fin:RevenueFromSaleOfServices contextRef="FourD" unitRef="INR" decimals="-5">31428000.00</in-bse-fin:RevenueFromSaleOfServices>
<in-bse-fin:OtherRevenueFromOperations contextRef="FourD" unitRef="INR" decimals="-5">0.00</in-bse-fin:OtherRevenueFromOperations>
<in-bse-fin:RevenueFromOperations contextRef="FourD" unitRef="INR" decimals="-5">4826929000.00</in-bse-fin:RevenueFromOperations>
<in-bse-fin:OtherIncome contextRef="FourD" unitRef="INR" decimals="-5">704000.00</in-bse-fin:OtherIncome>
<in-bse-fin:Income contextRef="FourD" unitRef="INR" decimals="-5">4827633000.00</in-bse-fin:Income>
<in-bse-fin:CostOfMaterialsConsumed contextRef="FourD" unitRef="INR" decimals="-5">0.00</in-bse-fin:CostOfMaterialsConsumed>
<in-bse-fin:PurchasesOfStockInTrade contextRef="FourD" unitRef="INR" decimals="-5">0.00</in-bse-fin:PurchasesOfStockInTrade>
<in-bse-fin:ChangesInInventoriesOfFinishedGoodsWorkInProgressAndStockInTrade contextRef="FourD" unitRef="INR" decimals="-5">0.00</in-bse-fin:ChangesInInventoriesOfFinishedGoodsWorkInProgressAndStockInTrade>
<in-bse-fin:EmployeeBenefitExpense contextRef="FourD" unitRef="INR" decimals="-5">140957000.00</in-bse-fin:EmployeeBenefitExpense>
<in-bse-fin:FinanceCosts contextRef="FourD" unitRef="INR" decimals="-5">2493641000.00</in-bse-fin:FinanceCosts>
<in-bse-fin:DepreciationDepletionAndAmortisationExpense contextRef="FourD" unitRef="INR" decimals="-5">47684000.00</in-bse-fin:DepreciationDepletionAndAmortisationExpense>
<in-bse-fin:FeesAndCommissionExpense contextRef="FourD" unitRef="INR" decimals="-5">3159000.00</in-bse-fin:FeesAndCommissionExpense>
<in-bse-fin:NetLossOnFairValueChanges contextRef="FourD" unitRef="INR" decimals="-5">23063000.00</in-bse-fin:NetLossOnFairValueChanges>
<in-bse-fin:NetLossOnDerecognitionOfFinancialInstrumentsUnderAmortisedCostCategory contextRef="FourD" unitRef="INR" decimals="-5">0.00</in-bse-fin:NetLossOnDerecognitionOfFinancialInstrumentsUnderAmortisedCostCategory>
<in-bse-fin:ImpairmentOnFinancialInstruments contextRef="FourD" unitRef="INR" decimals="-5">-76980000.00</in-bse-fin:ImpairmentOnFinancialInstruments>
<in-bse-fin:OtherExpenses contextRef="FourD" unitRef="INR" decimals="-5">161876000.00</in-bse-fin:OtherExpenses>
<in-bse-fin:Expenses contextRef="FourD" unitRef="INR" decimals="-5">2793400000.00</in-bse-fin:Expenses>
<in-bse-fin:ProfitBeforeExceptionalItemsAndTax contextRef="FourD" unitRef="INR" decimals="-5">2034233000.00</in-bse-fin:ProfitBeforeExceptionalItemsAndTax>
<in-bse-fin:ExceptionalItemsBeforeTax contextRef="FourD" unitRef="INR" decimals="-5">0.00</in-bse-fin:ExceptionalItemsBeforeTax>
<in-bse-fin:ProfitBeforeTax contextRef="FourD" unitRef="INR" decimals="-5">2034233000.00</in-bse-fin:ProfitBeforeTax>
<in-bse-fin:CurrentTax contextRef="FourD" unitRef="INR" decimals="-5">369276000.00</in-bse-fin:CurrentTax>
<in-bse-fin:DeferredTax contextRef="FourD" unitRef="INR" decimals="-5">76031000.00</in-bse-fin:DeferredTax>
<in-bse-fin:TaxExpense contextRef="FourD" unitRef="INR" decimals="-5">445307000.00</in-bse-fin:TaxExpense>
<in-bse-fin:ProfitLossForPeriodFromContinuingOperations contextRef="FourD" unitRef="INR" decimals="-5">1588926000.00</in-bse-fin:ProfitLossForPeriodFromContinuingOperations>
<in-bse-fin:ProfitLossFromDiscontinuedOperationsBeforeTax contextRef="FourD" unitRef="INR" decimals="-5">0.00</in-bse-fin:ProfitLossFromDiscontinuedOperationsBeforeTax>
<in-bse-fin:TaxExpenseOfDiscontinuedOperations contextRef="FourD" unitRef="INR" decimals="-5">0.00</in-bse-fin:TaxExpenseOfDiscontinuedOperations>
<in-bse-fin:ProfitLossFromDiscontinuedOperationsAfterTax contextRef="FourD" unitRef="INR" decimals="-5">0.00</in-bse-fin:ProfitLossFromDiscontinuedOperationsAfterTax>
<in-bse-fin:ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod contextRef="FourD" unitRef="INR" decimals="-5">0.00</in-bse-fin:ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod>
<in-bse-fin:ProfitLossForPeriod contextRef="FourD" unitRef="INR" decimals="-5">1588926000.00</in-bse-fin:ProfitLossForPeriod>
<in-bse-fin:OtherComprehensiveIncomeNetOfTaxes contextRef="FourD" unitRef="INR" decimals="-5">-13253000.00</in-bse-fin:OtherComprehensiveIncomeNetOfTaxes>
<in-bse-fin:ComprehensiveIncomeForThePeriod contextRef="FourD" unitRef="INR" decimals="-5">1575673000.00</in-bse-fin:ComprehensiveIncomeForThePeriod>
<in-bse-fin:ComprehensiveIncomeForThePeriodAttributableToOwnersOfParent contextRef="FourD" unitRef="INR" decimals="-5">0.00</in-bse-fin:ComprehensiveIncomeForThePeriodAttributableToOwnersOfParent>
<in-bse-fin:ComprehensiveIncomeForThePeriodAttributableToOwnersOfParentNonControllingInterests contextRef="FourD" unitRef="INR" decimals="-5">0.00</in-bse-fin:ComprehensiveIncomeForThePeriodAttributableToOwnersOfParentNonControllingInterests>
<in-bse-fin:PaidUpValueOfEquityShareCapital contextRef="FourD" unitRef="INR" decimals="-5">6422833000.00</in-bse-fin:PaidUpValueOfEquityShareCapital>
<in-bse-fin:FaceValueOfEquityShareCapital contextRef="FourD" unitRef="INRPerShare" decimals="INF">10</in-bse-fin:FaceValueOfEquityShareCapital>
<in-bse-fin:ReserveExcludingRevaluationReserves contextRef="FourD" unitRef="INR" decimals="-5">20541530000.00</in-bse-fin:ReserveExcludingRevaluationReserves>
<in-bse-fin:BasicEarningsLossPerShareFromContinuingOperations contextRef="FourD" unitRef="INRPerShare" decimals="INF">2.47</in-bse-fin:BasicEarningsLossPerShareFromContinuingOperations>
<in-bse-fin:DilutedEarningsLossPerShareFromContinuingOperations contextRef="FourD" unitRef="INRPerShare" decimals="INF">2.47</in-bse-fin:DilutedEarningsLossPerShareFromContinuingOperations>
<in-bse-fin:BasicEarningsLossPerShareFromDiscontinuedOperations contextRef="FourD" unitRef="INRPerShare" decimals="INF">0.00</in-bse-fin:BasicEarningsLossPerShareFromDiscontinuedOperations>
<in-bse-fin:DilutedEarningsLossPerShareFromDiscontinuedOperations contextRef="FourD" unitRef="INRPerShare" decimals="INF">0.00</in-bse-fin:DilutedEarningsLossPerShareFromDiscontinuedOperations>
<in-bse-fin:BasicEarningsLossPerShareFromContinuingAndDiscontinuedOperations contextRef="FourD" unitRef="INRPerShare" decimals="INF">2.47</in-bse-fin:BasicEarningsLossPerShareFromContinuingAndDiscontinuedOperations>
<in-bse-fin:DilutedEarningsLossPerShareFromContinuingAndDiscontinuedOperations contextRef="FourD" unitRef="INRPerShare" decimals="INF">2.47</in-bse-fin:DilutedEarningsLossPerShareFromContinuingAndDiscontinuedOperations>
<in-bse-fin:DebtEquityRatio contextRef="FourD" unitRef="pure" decimals="INF">0.01</in-bse-fin:DebtEquityRatio>
<in-bse-fin:DescriptionOfOtherExpenses contextRef="OneOperatingExpenses01D">Other expenses</in-bse-fin:DescriptionOfOtherExpenses>
<in-bse-fin:OtherExpenses contextRef="OneOperatingExpenses01D" unitRef="INR" decimals="-5">76026000.00</in-bse-fin:OtherExpenses>
<in-bse-fin:DescriptionOfOtherExpenses contextRef="FourOperatingExpenses01D">Other expenses</in-bse-fin:DescriptionOfOtherExpenses>
<in-bse-fin:OtherExpenses contextRef="FourOperatingExpenses01D" unitRef="INR" decimals="-5">161876000.00</in-bse-fin:OtherExpenses>
<in-bse-fin:FinanicalAssets contextRef="OneI" unitRef="INR" decimals="-5">0.00</in-bse-fin:FinanicalAssets>
<in-bse-fin:NonFinancialAssets contextRef="OneI" unitRef="INR" decimals="-5">0.00</in-bse-fin:NonFinancialAssets>
<in-bse-fin:FinancialLiabilities contextRef="OneI" unitRef="INR" decimals="-5">0.00</in-bse-fin:FinancialLiabilities>
<in-bse-fin:NonFinancialLiabilities contextRef="OneI" unitRef="INR" decimals="-5">0.00</in-bse-fin:NonFinancialLiabilities>
<in-bse-fin:DescriptionOfItemThatWillNotBeReclassifiedToProfitAndLoss contextRef="OneItemsThatWillNotBeReclassifiedToProfitAndLoss01D">Remeasurement gains/(losses) on defined benefit plans</in-bse-fin:DescriptionOfItemThatWillNotBeReclassifiedToProfitAndLoss>
<in-bse-fin:AmountOfItemThatWillNotBeReclassifiedToProfitAndLoss contextRef="OneItemsThatWillNotBeReclassifiedToProfitAndLoss01D" unitRef="INR" decimals="-5">-8989000.00</in-bse-fin:AmountOfItemThatWillNotBeReclassifiedToProfitAndLoss>
<in-bse-fin:DescriptionOfItemThatWillNotBeReclassifiedToProfitAndLoss contextRef="FourItemsThatWillNotBeReclassifiedToProfitAndLoss01D">Remeasurement gains/(losses) on defined benefit plans</in-bse-fin:DescriptionOfItemThatWillNotBeReclassifiedToProfitAndLoss>
<in-bse-fin:AmountOfItemThatWillNotBeReclassifiedToProfitAndLoss contextRef="FourItemsThatWillNotBeReclassifiedToProfitAndLoss01D" unitRef="INR" decimals="-5">-7571000.00</in-bse-fin:AmountOfItemThatWillNotBeReclassifiedToProfitAndLoss>
<in-bse-fin:AmountOfItemThatWillNotBeReclassifiedToProfitAndLoss contextRef="OneD" unitRef="INR" decimals="-5">-8989000.00</in-bse-fin:AmountOfItemThatWillNotBeReclassifiedToProfitAndLoss>
<in-bse-fin:AmountOfItemThatWillNotBeReclassifiedToProfitAndLoss contextRef="FourD" unitRef="INR" decimals="-5">-7571000.00</in-bse-fin:AmountOfItemThatWillNotBeReclassifiedToProfitAndLoss>
<in-bse-fin:IncomeTaxRelatingToItmesThatWillNotBeReclassifiedToProfitOrLoss contextRef="OneD" unitRef="INR" decimals="-5">-2262000.00</in-bse-fin:IncomeTaxRelatingToItmesThatWillNotBeReclassifiedToProfitOrLoss>
<in-bse-fin:IncomeTaxRelatingToItmesThatWillNotBeReclassifiedToProfitOrLoss contextRef="FourD" unitRef="INR" decimals="-5">-1905000.00</in-bse-fin:IncomeTaxRelatingToItmesThatWillNotBeReclassifiedToProfitOrLoss>
<in-bse-fin:DescriptionOfItemThatWillBeReclassifiedToProfitAndLoss contextRef="OneItemsThatWillBeReclassifiedToProfitAndLoss01D">Change in cash flow hedge reserve</in-bse-fin:DescriptionOfItemThatWillBeReclassifiedToProfitAndLoss>
<in-bse-fin:AmountOfItemThatWillBeReclassifiedToProfitAndLoss contextRef="OneItemsThatWillBeReclassifiedToProfitAndLoss01D" unitRef="INR" decimals="-5">-3054000.00</in-bse-fin:AmountOfItemThatWillBeReclassifiedToProfitAndLoss>
<in-bse-fin:DescriptionOfItemThatWillBeReclassifiedToProfitAndLoss contextRef="FourItemsThatWillBeReclassifiedToProfitAndLoss01D">Change in cash flow hedge reserve</in-bse-fin:DescriptionOfItemThatWillBeReclassifiedToProfitAndLoss>
<in-bse-fin:AmountOfItemThatWillBeReclassifiedToProfitAndLoss contextRef="FourItemsThatWillBeReclassifiedToProfitAndLoss01D" unitRef="INR" decimals="-5">-10139000.00</in-bse-fin:AmountOfItemThatWillBeReclassifiedToProfitAndLoss>
<in-bse-fin:AmountOfItemThatWillBeReclassifiedToProfitAndLoss contextRef="OneD" unitRef="INR" decimals="-5">-3054000.00</in-bse-fin:AmountOfItemThatWillBeReclassifiedToProfitAndLoss>
<in-bse-fin:AmountOfItemThatWillBeReclassifiedToProfitAndLoss contextRef="FourD" unitRef="INR" decimals="-5">-10139000.00</in-bse-fin:AmountOfItemThatWillBeReclassifiedToProfitAndLoss>
<in-bse-fin:IncomeTaxRelatingToItmesThatWillBeReclassifiedToProfitOrLoss contextRef="OneD" unitRef="INR" decimals="-5">-769000.00</in-bse-fin:IncomeTaxRelatingToItmesThatWillBeReclassifiedToProfitOrLoss>
<in-bse-fin:IncomeTaxRelatingToItmesThatWillBeReclassifiedToProfitOrLoss contextRef="FourD" unitRef="INR" decimals="-5">-2552000.00</in-bse-fin:IncomeTaxRelatingToItmesThatWillBeReclassifiedToProfitOrLoss>
<in-bse-fin:OtherComprehensiveIncome contextRef="OneD" unitRef="INR" decimals="-5">-9012000.00</in-bse-fin:OtherComprehensiveIncome>
<in-bse-fin:OtherComprehensiveIncome contextRef="FourD" unitRef="INR" decimals="-5">-13253000.00</in-bse-fin:OtherComprehensiveIncome>
</xbrli:xbrl>