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<xbrli:xbrl xmlns:in-capmkt="http://www.sebi.gov.in/xbrl/2026-04-30/in-capmkt" xmlns:in-capmkt-ent="http://www.sebi.gov.in/xbrl/Regulation_30_Para_B_Of_Part_A_Of_Schedule_III/2026-04-30/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="http://www.sebi.gov.in/xbrl/2026-04-30/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-2026-04-30.xsd"/><xbrli:context id="MainI"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">540775</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2026-08-27</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="I_StageOfTheLitigationIsConcludedOrDisputeIsResolved"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">540775</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2026-08-27</xbrli:instant></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:SubTypeOfEventAsPerRegulation30ParaBOfPartAOfScheduleIIIAxis">in-capmkt:StageOfTheLitigationIsConcludedOrDisputeIsResolvedMember</xbrldi:explicitMember></xbrli:scenario></xbrli:context><xbrli:context id="I_SettlementOfProceedings"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">540775</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2026-08-27</xbrli:instant></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:StageOfTheLitigationIsConcludedOrDisputeIsResolvedAsPerSubPara8OfParaBAxis">in-capmkt:SettlementOfProceedingsMember</xbrldi:explicitMember></xbrli:scenario></xbrli:context><in-capmkt:NSESymbol contextRef="MainI">KHADIM</in-capmkt:NSESymbol><in-capmkt:NameOfTheCompany contextRef="MainI">Khadim India Limited</in-capmkt:NameOfTheCompany><in-capmkt:ScripCode contextRef="MainI">540775</in-capmkt:ScripCode><in-capmkt:MSEISymbol contextRef="MainI">NOTLISTED</in-capmkt:MSEISymbol><in-capmkt:ISIN contextRef="MainI">INE834I01025</in-capmkt:ISIN><in-capmkt:TypeOfEventAsPerRegulation30ParaBOfPartAOfScheduleIII contextRef="MainI">Pendency of any litigation(s) or dispute(s) (Sub-para 8-Para B)</in-capmkt:TypeOfEventAsPerRegulation30ParaBOfPartAOfScheduleIII><in-capmkt:SubTypeOfEventAsPerRegulation30ParaBOfPartAOfScheduleIII contextRef="I_StageOfTheLitigationIsConcludedOrDisputeIsResolved">Regularly till the litigation is concluded or dispute is resolved</in-capmkt:SubTypeOfEventAsPerRegulation30ParaBOfPartAOfScheduleIII><in-capmkt:TypeOfAnnouncementAsPerRegulation30ParaBOfPartAOfScheduleIII contextRef="MainI">New</in-capmkt:TypeOfAnnouncementAsPerRegulation30ParaBOfPartAOfScheduleIII><in-capmkt:WhetherEventOrInformationDisclosedIsAnOutcomeOfTheBoardMeeting contextRef="MainI">false</in-capmkt:WhetherEventOrInformationDisclosedIsAnOutcomeOfTheBoardMeeting><in-capmkt:DateOfOccurrenceOfEventOrInformation contextRef="MainI">2026-08-26</in-capmkt:DateOfOccurrenceOfEventOrInformation><in-capmkt:TimeOfOccurrenceOfEventOrInformation contextRef="MainI">16:35:00</in-capmkt:TimeOfOccurrenceOfEventOrInformation><in-capmkt:DateOfReport contextRef="MainI">2026-08-27</in-capmkt:DateOfReport><in-capmkt:StageOfDisclosureOfLitigationOrDispute contextRef="I_SettlementOfProceedings">Settlement of the proceedings</in-capmkt:StageOfDisclosureOfLitigationOrDispute><in-capmkt:DetailsOfLitigationOrDisputeForWhichDisclosureIsBeingMade contextRef="I_SettlementOfProceedings">In the matter of withholding of receivables by the Company and forfeiture of Performance Bank Guarantee, by Samagra Shiksha Abhiyan Authority (‘SSAA’), Punjab through Director General School Education-cum-State Project Director (DG-School) (“the Tenderer”) in respect of a tender for supply of school shoes and uniform, floated by it.</in-capmkt:DetailsOfLitigationOrDisputeForWhichDisclosureIsBeingMade><in-capmkt:DateOfOriginalLitigationDisclosure contextRef="I_SettlementOfProceedings">2023-08-11</in-capmkt:DateOfOriginalLitigationDisclosure><in-capmkt:DetailsOfSettlementOfLitigation contextRef="I_SettlementOfProceedings">In accordance with the order of the Hon’ble High Court of Punjab and Haryana, Chandigarh, dated May 05, 2026, the Company has received the outstanding amount of ₹ 31,96,86,729/- (Rupees Thirty One Crores Ninety Six Lakhs Eighty Six Thousand Seven Hundred and Twenty Nine) along with the applicable interest and other related dues from the concerned party.</in-capmkt:DetailsOfSettlementOfLitigation><in-capmkt:LitigationAgainstParty contextRef="I_SettlementOfProceedings">Others</in-capmkt:LitigationAgainstParty><in-capmkt:DetailsOfOtherLitigationAgainstParty contextRef="I_SettlementOfProceedings">Samagra Shiksha Abhiyan Authority (SSAA), Punjab through Director General School Education- cum-State Project Director (DG-School) (“the Tenderer”)</in-capmkt:DetailsOfOtherLitigationAgainstParty><in-capmkt:TermsOfSettlementOfLitigation contextRef="I_SettlementOfProceedings">Please refers Details of Settlement mentioned above</in-capmkt:TermsOfSettlementOfLitigation><in-capmkt:CompensationOrPenaltyPaidForSettlement contextRef="I_SettlementOfProceedings">Please refers Details of Settlement mentioned above</in-capmkt:CompensationOrPenaltyPaidForSettlement><in-capmkt:ImpactOfSettlementOnTheFinancialPositionOfTheListedEntity contextRef="I_SettlementOfProceedings">Please refers Details of Settlement mentioned above</in-capmkt:ImpactOfSettlementOnTheFinancialPositionOfTheListedEntity></xbrli:xbrl>
