<?xml version="1.0" encoding="UTF-8" standalone="no"?><xbrli:xbrl xmlns:xbrli="http://www.xbrl.org/2003/instance" 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: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-2024-05-31.xsd" xlink:type="simple"/><xbrli:context id="MainI"><xbrli:entity><xbrli:identifier scheme="https://www.sebi.gov.in/in-capmkt/ScripCode">500180</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2025-07-22</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="D_DetailofResolution1"><xbrli:entity><xbrli:identifier scheme="https://www.sebi.gov.in/in-capmkt/ScripCode">500180</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2025-07-22</xbrli:startDate><xbrli:endDate>2025-07-22</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 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scheme="https://www.sebi.gov.in/in-capmkt/ScripCode">500180</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2025-07-22</xbrli:instant></xbrli:period><xbrli:scenario><xbrldi:typedMember dimension="in-capmkt:ResolutionOrAgendaAxis"><in-capmkt:ResolutionOrAgendaDomain>ResolutionOrAgendaDomain2</in-capmkt:ResolutionOrAgendaDomain></xbrldi:typedMember></xbrli:scenario></xbrli:context><xbrli:unit id="pure"><xbrli:measure>xbrli:pure</xbrli:measure></xbrli:unit><in-capmkt:NameOfTheCompany contextRef="MainI">HDFC Bank Limited</in-capmkt:NameOfTheCompany><in-capmkt:NSESymbol contextRef="MainI">HDFCBANK</in-capmkt:NSESymbol><in-capmkt:TypeOfAnnouncement contextRef="MainI">New</in-capmkt:TypeOfAnnouncement><in-capmkt:DateOfOccurrenceOfEvent contextRef="MainI">2025-07-22</in-capmkt:DateOfOccurrenceOfEvent><in-capmkt:TimeOfOccurrenceOfEvent contextRef="MainI">08:00:00</in-capmkt:TimeOfOccurrenceOfEvent><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">Wednesday</in-capmkt:DayOfShareholdersMeeting><in-capmkt:DateOfShareholdersMeeting contextRef="MainI">2025-07-23</in-capmkt:DateOfShareholdersMeeting><in-capmkt:PlaceOfShareholdersMeeting contextRef="MainI">Mumbai</in-capmkt:PlaceOfShareholdersMeeting><in-capmkt:EndDateOfPostalBallotVoting contextRef="MainI">2025-08-21</in-capmkt:EndDateOfPostalBallotVoting><in-capmkt:NumberOfAgendaOrBusinessToBeTransacted contextRef="MainI" decimals="0" unitRef="pure">2</in-capmkt:NumberOfAgendaOrBusinessToBeTransacted><in-capmkt:TypeOfResolution contextRef="I_DetailofResolution1">Ordinary Resolution</in-capmkt:TypeOfResolution><in-capmkt:CategoryOfResolution contextRef="I_DetailofResolution1">Others</in-capmkt:CategoryOfResolution><in-capmkt:SubCategoryOfResolution contextRef="I_DetailofResolution1">Alteration in MoA/AoA</in-capmkt:SubCategoryOfResolution><in-capmkt:BriefDetailsOfResolution contextRef="D_DetailofResolution1">Increase in the Authorised Share Capital of the Bank and consequential alteration to the Capital Clause 
of the Memorandum of Association</in-capmkt:BriefDetailsOfResolution><in-capmkt:TypeOfResolution contextRef="I_DetailofResolution2">Ordinary Resolution</in-capmkt:TypeOfResolution><in-capmkt:CategoryOfResolution contextRef="I_DetailofResolution2">Issuance/Corporate Action</in-capmkt:CategoryOfResolution><in-capmkt:SubCategoryOfResolution contextRef="I_DetailofResolution2">Issuance of Securities</in-capmkt:SubCategoryOfResolution><in-capmkt:BriefDetailsOfResolution contextRef="D_DetailofResolution2">Issuance of Bonus Shares</in-capmkt:BriefDetailsOfResolution></xbrli:xbrl>