<?xml version="1.0" encoding="UTF-8"?>
<!--REG30PARAB V1.0 (01-06-2026)-->
<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">532483</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2026-09-10</xbrli:instant></xbrli:period></xbrli:context><in-capmkt:NSESymbol contextRef="MainI">CANBK</in-capmkt:NSESymbol><in-capmkt:NameOfTheCompany contextRef="MainI">CANARA BANK</in-capmkt:NameOfTheCompany><in-capmkt:ScripCode contextRef="MainI">532483</in-capmkt:ScripCode><in-capmkt:MSEISymbol contextRef="MainI">NOTLISTED</in-capmkt:MSEISymbol><in-capmkt:ISIN contextRef="MainI">INE476A01022</in-capmkt:ISIN><in-capmkt:TypeOfEventAsPerRegulation30ParaBOfPartAOfScheduleIII contextRef="MainI">Disruption of operations (Sub-para 6-Para B)</in-capmkt:TypeOfEventAsPerRegulation30ParaBOfPartAOfScheduleIII><in-capmkt:TypeOfAnnouncementAsPerRegulation30ParaBOfPartAOfScheduleIII contextRef="MainI">New</in-capmkt:TypeOfAnnouncementAsPerRegulation30ParaBOfPartAOfScheduleIII><in-capmkt:WhetherEventOrInformationDisclosedIsAnOutcomeOfTheBoardMeeting contextRef="MainI">false</in-capmkt:WhetherEventOrInformationDisclosedIsAnOutcomeOfTheBoardMeeting><in-capmkt:DateOfOccurrenceOfEventOrInformation contextRef="MainI">2026-09-10</in-capmkt:DateOfOccurrenceOfEventOrInformation><in-capmkt:TimeOfOccurrenceOfEventOrInformation contextRef="MainI">16:00:00</in-capmkt:TimeOfOccurrenceOfEventOrInformation><in-capmkt:RemarksForWebsiteDissemination contextRef="MainI">www.canarabank.bank.in</in-capmkt:RemarksForWebsiteDissemination><in-capmkt:DateOfReport contextRef="MainI">2026-09-10</in-capmkt:DateOfReport><in-capmkt:StageAtWhichDisruptionOfOperationsDisclosureIsProvided contextRef="MainI">At the time of occurrence</in-capmkt:StageAtWhichDisruptionOfOperationsDisclosureIsProvided><in-capmkt:TypeOfDisruption contextRef="MainI">Strike</in-capmkt:TypeOfDisruption><in-capmkt:ExpectedQuantumOfLossOrDamageCaused contextRef="MainI">not applicable</in-capmkt:ExpectedQuantumOfLossOrDamageCaused><in-capmkt:WhetherLossOrDamageCoveredByInsurance contextRef="MainI">false</in-capmkt:WhetherLossOrDamageCoveredByInsurance><in-capmkt:ReasonForLossOrDamageNotCoveredByInsurance contextRef="MainI">not applicable</in-capmkt:ReasonForLossOrDamageNotCoveredByInsurance><in-capmkt:AmountOfInsuranceCoveredForLossOrDamage contextRef="MainI">not applicable</in-capmkt:AmountOfInsuranceCoveredForLossOrDamage><in-capmkt:EstimatedImpactOnProductionOrOperations contextRef="MainI">Though, the Bank is taking all the necessary steps for smooth functioning of Bank’s branches and offices on the days of Strike, in the event the strike materializes, the functioning of the branches and offices may be affected.</in-capmkt:EstimatedImpactOnProductionOrOperations><in-capmkt:DetailsOfFactoryOrUnitAffectedByDisruption contextRef="MainI">not applicable</in-capmkt:DetailsOfFactoryOrUnitAffectedByDisruption></xbrli:xbrl>