<?xml version="1.0" encoding="UTF-8"?>
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<xbrli:xbrl xmlns:in-capmkt="https://www.sebi.gov.in/xbrl/2024-05-31/in-capmkt" xmlns:in-capmkt-ent="https://www.sebi.gov.in/xbrl/Notice_Of_Shareholders_Meeting/2024-05-31/in-capmkt/in-capmkt-ent" xmlns:in-capmkt-roles="https://www.sebi.gov.in/xbrl/Notice_Of_Shareholders_Meeting/2024-05-31/in-capmkt-roles" 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-capmkt-ent-2024-05-31.xsd"/><xbrli:context id="MainI"><xbrli:entity><xbrli:identifier scheme="https://www.sebi.gov.in/in-capmkt/NSESymbol">ICICIPRULI</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2026-08-20</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="D_DetailofResolution1"><xbrli:entity><xbrli:identifier scheme="https://www.sebi.gov.in/in-capmkt/NSESymbol">ICICIPRULI</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2026-08-20</xbrli:startDate><xbrli:endDate>2026-08-20</xbrli:endDate></xbrli:period><xbrli:scenario><xbrldi:typedMember dimension="in-capmkt:ResolutionOrAgendaAxis"><in-capmkt:ResolutionOrAgendaDomain>ResolutionOrAgendaDomain1</in-capmkt:ResolutionOrAgendaDomain></xbrldi:typedMember></xbrli:scenario></xbrli:context><xbrli:context id="I_DetailofResolution1"><xbrli:entity><xbrli:identifier scheme="https://www.sebi.gov.in/in-capmkt/NSESymbol">ICICIPRULI</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2026-08-20</xbrli:instant></xbrli:period><xbrli:scenario><xbrldi:typedMember dimension="in-capmkt:ResolutionOrAgendaAxis"><in-capmkt:ResolutionOrAgendaDomain>ResolutionOrAgendaDomain1</in-capmkt:ResolutionOrAgendaDomain></xbrldi:typedMember></xbrli:scenario></xbrli:context><xbrli:unit id="pure"><xbrli:measure>xbrli:pure</xbrli:measure></xbrli:unit><in-capmkt:NSESymbol contextRef="MainI">ICICIPRULI</in-capmkt:NSESymbol><in-capmkt:NameOfTheCompany contextRef="MainI">ICICI Prudential Life Insurance Company Limited</in-capmkt:NameOfTheCompany><in-capmkt:TypeOfAnnouncement contextRef="MainI">New</in-capmkt:TypeOfAnnouncement><in-capmkt:DateOfOccurrenceOfEvent contextRef="MainI">2026-08-20</in-capmkt:DateOfOccurrenceOfEvent><in-capmkt:TimeOfOccurrenceOfEvent contextRef="MainI">11:21:00</in-capmkt:TimeOfOccurrenceOfEvent><in-capmkt:DateOfReport contextRef="MainI">2026-08-20</in-capmkt:DateOfReport><in-capmkt:EventForNoticeOfShareholdersMeeting contextRef="MainI">Postal Ballot</in-capmkt:EventForNoticeOfShareholdersMeeting><in-capmkt:ModeOfShareholdersMeeting contextRef="MainI">Postal Ballot</in-capmkt:ModeOfShareholdersMeeting><in-capmkt:NumberOfShareholdersMeeting contextRef="MainI">1</in-capmkt:NumberOfShareholdersMeeting><in-capmkt:DayOfShareholdersMeeting contextRef="MainI">Friday</in-capmkt:DayOfShareholdersMeeting><in-capmkt:DateOfShareholdersMeeting contextRef="MainI">2026-08-21</in-capmkt:DateOfShareholdersMeeting><in-capmkt:ShareholdersMeetingCommencementTime contextRef="MainI">09:00:00</in-capmkt:ShareholdersMeetingCommencementTime><in-capmkt:PlaceOfShareholdersMeeting contextRef="MainI">Mumbai</in-capmkt:PlaceOfShareholdersMeeting><in-capmkt:EndDateOfPostalBallotVoting contextRef="MainI">2026-09-19</in-capmkt:EndDateOfPostalBallotVoting><in-capmkt:NumberOfAgendaOrBusinessToBeTransacted contextRef="MainI" unitRef="pure" decimals="0">1</in-capmkt:NumberOfAgendaOrBusinessToBeTransacted><in-capmkt:TypeOfResolution contextRef="I_DetailofResolution1">Special Resolution</in-capmkt:TypeOfResolution><in-capmkt:CategoryOfResolution contextRef="I_DetailofResolution1">Others</in-capmkt:CategoryOfResolution><in-capmkt:SubCategoryOfResolution contextRef="I_DetailofResolution1">Others</in-capmkt:SubCategoryOfResolution><in-capmkt:DetailsOfOtherSubCategoryOfResolution contextRef="D_DetailofResolution1">Change of Name of the Company and consequent alterations in the Memorandum of Association and Articles of Association of the Company</in-capmkt:DetailsOfOtherSubCategoryOfResolution><in-capmkt:BriefDetailsOfResolution contextRef="D_DetailofResolution1">To change the Name of the Company from ‘ICICI Prudential Life Insurance Company Limited’ to ‘ICICI Life Insurance Limited’ and consequential alterations in the Memorandum of Association and Articles of Association of the Company, subject to applicable regulations.</in-capmkt:BriefDetailsOfResolution></xbrli:xbrl>
