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<xbrli:xbrl xmlns:in-capmkt="https://www.sebi.gov.in/xbrl/2023-05-31/in-capmkt" xmlns:in-capmkt-ent="https://www.sebi.gov.in/xbrl/Prior_Intimation_Of_Board_Meeting/2023-05-31/in-capmkt/in-capmkt-ent" xmlns:in-capmkt-roles="https://www.sebi.gov.in/xbrl/Prior_Intimation_Of_Board_Meeting/2023-05-31/in-capmkt-roles" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric" xmlns:in-capmkt-type="https://www.sebi.gov.in/xbrl/2023-05-31/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.xbrl.org/2003/XLink"><link:schemaRef xlink:type="simple" xlink:href="in-capmkt-ent-2023-05-31.xsd"/><xbrli:context id="MainI"><xbrli:entity><xbrli:identifier scheme="https://www.sebi.gov.in/in-capmkt/ScripCode">532648</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2026-06-23</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="MainD"><xbrli:entity><xbrli:identifier scheme="https://www.sebi.gov.in/in-capmkt/ScripCode">532648</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2026-06-23</xbrli:startDate><xbrli:endDate>2026-06-23</xbrli:endDate></xbrli:period></xbrli:context><in-capmkt:NSESymbol contextRef="MainI">YESBANK</in-capmkt:NSESymbol><in-capmkt:NameOfTheCompany contextRef="MainI">YES Bank Limited</in-capmkt:NameOfTheCompany><in-capmkt:WhetherCompanyIsSME contextRef="MainD">false</in-capmkt:WhetherCompanyIsSME><in-capmkt:ISIN contextRef="MainI">INE528G01035</in-capmkt:ISIN><in-capmkt:TypeOfMeeting contextRef="MainI">Board Meeting</in-capmkt:TypeOfMeeting><in-capmkt:TypeOfIntimation contextRef="MainD">New</in-capmkt:TypeOfIntimation><in-capmkt:DateOfProposedMeeting contextRef="MainD">2026-06-29</in-capmkt:DateOfProposedMeeting><in-capmkt:WhetherTradingWindowIsClosed contextRef="MainD">false</in-capmkt:WhetherTradingWindowIsClosed><in-capmkt:DateOfReport contextRef="MainI">2026-06-23</in-capmkt:DateOfReport><in-capmkt:Agenda1 contextRef="MainD">Fund raising</in-capmkt:Agenda1><in-capmkt:ModeOfRaisingFunds contextRef="MainD">Any other method</in-capmkt:ModeOfRaisingFunds><in-capmkt:RemarksWebsiteDissemination contextRef="MainI">The meeting of the Board of Directors of YES BANK Limited (the “Bank”) will be held on Monday, June 29, 2026, at Mumbai, inter alia to consider the following: 

(1)Raising of funds by way of issuance of eligible equity securities through permissible modes, including but not limited to a private placement, preferential issue or any other method or combination of methods, as an enabling resolution in accordance with the requirements of applicable laws;
 
(2)Borrowings / raising of funds by way of issuance of eligible debt securities and/or any other eligible securities (convertible/non-convertible) through permissible modes, including but not limited to a private placement, preferential issue or any other method or combination of methods; as an enabling resolution in accordance with the requirements of applicable laws.

The Bank may evaluate the potential fund raising, as necessary in future, and in order to have the requisite enabling shareholders resolution(s) in place in terms of applicable provisions of the Companies Act, 2013 and the rules made thereunder and applicable regulations, it is proposed to include appropriate special resolution(s) i.e., raising of funds/ borrowings as mentioned in (1) and (2) above, in the Notice of forthcoming Annual General Meeting of the Bank.</in-capmkt:RemarksWebsiteDissemination></xbrli:xbrl>
