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<!--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">543985</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2026-08-08</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="I_AmendmentOrTerminationOfOrdersOrContracts"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">543985</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2026-08-08</xbrli:instant></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:SubTypeOfEventAsPerRegulation30ParaBOfPartAOfScheduleIIIAxis">in-capmkt:AmendmentOrTerminationOfOrdersOrContractsMember</xbrldi:explicitMember></xbrli:scenario></xbrli:context><xbrli:context id="I_AmendmentOrTerminationOfOrdersOrContractsMember"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">543985</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2026-08-08</xbrli:instant></xbrli:period><xbrli:scenario><xbrldi:explicitMember dimension="in-capmkt:AwardingOrBaggingOrReceivingOrAmendmentOrTerminationOfOrdersOrContractsAsPerSubPara4OfParaBAxis">in-capmkt:AmendmentOrTerminationOfOrdersOrContractsMember</xbrldi:explicitMember></xbrli:scenario></xbrli:context><in-capmkt:NSESymbol contextRef="MainI">ZAGGLE</in-capmkt:NSESymbol><in-capmkt:NameOfTheCompany contextRef="MainI">ZAGGLE PREPAID OCEAN SERVICES LIMITED</in-capmkt:NameOfTheCompany><in-capmkt:ScripCode contextRef="MainI">543985</in-capmkt:ScripCode><in-capmkt:MSEISymbol contextRef="MainI">NOTLISTED</in-capmkt:MSEISymbol><in-capmkt:ISIN contextRef="MainI">INE07K301024</in-capmkt:ISIN><in-capmkt:TypeOfEventAsPerRegulation30ParaBOfPartAOfScheduleIII contextRef="MainI">Awarding, Bagging/Receiving, Amendment or termination of orders/contracts (Sub-para 4-Para B)</in-capmkt:TypeOfEventAsPerRegulation30ParaBOfPartAOfScheduleIII><in-capmkt:SubTypeOfEventAsPerRegulation30ParaBOfPartAOfScheduleIII contextRef="I_AmendmentOrTerminationOfOrdersOrContracts">Amendment or termination of orders/contracts</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">2026-08-07</in-capmkt:DateOfOccurrenceOfEventOrInformation><in-capmkt:TimeOfOccurrenceOfEventOrInformation contextRef="MainI">14:32:00</in-capmkt:TimeOfOccurrenceOfEventOrInformation><in-capmkt:DateOfReport contextRef="MainI">2026-08-08</in-capmkt:DateOfReport><in-capmkt:NameOfPartiesToTheOrdersOrContracts contextRef="I_AmendmentOrTerminationOfOrdersOrContractsMember">APAC Financial Services Private Limited (APAC)</in-capmkt:NameOfPartiesToTheOrdersOrContracts><in-capmkt:NatureOfOrdersOrContracts contextRef="I_AmendmentOrTerminationOfOrdersOrContractsMember">Amendment to the Original Agreement dated June 29, 2026</in-capmkt:NatureOfOrdersOrContracts><in-capmkt:DateOfExecutionOfTheOrdersOrContracts contextRef="I_AmendmentOrTerminationOfOrdersOrContractsMember">2026-06-29</in-capmkt:DateOfExecutionOfTheOrdersOrContracts><in-capmkt:DateOfTerminationOrAmendmentOfTheOrdersOrContracts contextRef="I_AmendmentOrTerminationOfOrdersOrContractsMember">2026-08-07</in-capmkt:DateOfTerminationOrAmendmentOfTheOrdersOrContracts><in-capmkt:DetailsOfAmendmentOrReasonsForTerminationsAndImpactOfTheOrdersOrContracts contextRef="I_AmendmentOrTerminationOfOrdersOrContractsMember">Zaggle shall provide Zaggle Employee Tax Benefits to APAC Financial Services Private Limited, in addition to the Zaggle Zoyer Platform and Employee Expense Management already being provided under the
existing agreement</in-capmkt:DetailsOfAmendmentOrReasonsForTerminationsAndImpactOfTheOrdersOrContracts></xbrli:xbrl>
