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<!--REG30 V1.0 (16-10-2025)-->
<xbrli:xbrl xmlns:in-capmkt="http://www.sebi.gov.in/xbrl/2025-08-31/in-capmkt" xmlns:in-capmkt-ent="http://www.sebi.gov.in/xbrl/Regulation_30_Restructuring/2025-08-31/in-capmkt/in-capmkt-ent" xmlns:in-capmkt-roles="http://www.sebi.gov.in/xbrl/Regulation_30_Restructuring/2025-08-31/in-capmkt-roles" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric" 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-2025-08-31.xsd"/><xbrli:context id="OneI"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/NSESymbol">YAAP</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2026-10-21</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="OneD"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/NSESymbol">YAAP</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2026-10-21</xbrli:startDate><xbrli:endDate>2026-10-21</xbrli:endDate></xbrli:period></xbrli:context><in-capmkt:ScripCode contextRef="OneI">000000</in-capmkt:ScripCode><in-capmkt:NameOfTheCompany contextRef="OneI">Yaap Digital Limited</in-capmkt:NameOfTheCompany><in-capmkt:NSESymbol contextRef="OneI">YAAP</in-capmkt:NSESymbol><in-capmkt:MSEISymbol contextRef="OneI">NOTLISTED</in-capmkt:MSEISymbol><in-capmkt:ISIN contextRef="OneI">INE0U0J01015</in-capmkt:ISIN><in-capmkt:TypeOfAnnouncementPertainingToRegulation30Restructuring contextRef="OneD">Update</in-capmkt:TypeOfAnnouncementPertainingToRegulation30Restructuring><in-capmkt:WhetherEventOrInformationDisclosedIsAnOutcomeOfBoardMeeting contextRef="OneD">false</in-capmkt:WhetherEventOrInformationDisclosedIsAnOutcomeOfBoardMeeting><in-capmkt:DateOfOccurrenceOfEvent contextRef="OneI">2026-10-21</in-capmkt:DateOfOccurrenceOfEvent><in-capmkt:TimeOfOccurrenceOfEvent contextRef="OneD">13:26:00</in-capmkt:TimeOfOccurrenceOfEvent><in-capmkt:DateOfInitialAnnouncement contextRef="OneI">2026-03-30</in-capmkt:DateOfInitialAnnouncement><in-capmkt:DateOfLatestAnnouncement contextRef="OneI">2026-10-21</in-capmkt:DateOfLatestAnnouncement><in-capmkt:DateOfReport contextRef="OneI">2026-10-21</in-capmkt:DateOfReport><in-capmkt:RemarksForWebsiteDissemination contextRef="OneI">NA</in-capmkt:RemarksForWebsiteDissemination><in-capmkt:UpdateForTheEvent contextRef="OneD">Acquisition (including agreement to acquire)</in-capmkt:UpdateForTheEvent><in-capmkt:BriefDetailsOfInitialAnnouncement contextRef="OneI">The company on March 30, 2026 informed the below to the stock exchange:

Pursuant to Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, we hereby inform the Exchange that Yaap Digital Limited (“Company”) has executed the below mentioned agreement today and acquired 60.20% stake in Gozoop Online Private Limited: 

1) Execution of Share Purchase Cum Shareholders’ Agreement (SPSHA). In furtherance to approval of board of directors of the Company granted at the board meeting held on March 17, 2026, approving the acquisition of 100% of the paid-up equity share capital, i.e., 798 equity shares of Rs. 100 each, of. Gozoop Online Private Limited, a company incorporated under the Companies Act, 1956 in (3) three tranches from Sellers/Selling Shareholders on terms and conditions as mentioned in the Share Purchase Cum Shareholders’ Agreement (SPSHA), it is informed that the Company has executed the SPSHA on March 30, 2026. 

2) Acquisition of 60.20% stake in Gozoop Online Private Limited; Further to approval taken from board of directors at their meeting held on March 17, 2026, we wish to inform you that the Company has successfully, as per the terms of the SPSHA, completed the acquisition of 480 equity shares of face value Rs. 100 each, representing 60.20% of the paid-up equity share capital of Gozoop Online Private Limited for the purchase consideration of Rs. 36.96 Cr on March 30, 2026. Pursuant to this acquisition, Gozoop has become a subsidiary of the Company. The swap of shares against consideration amount of Rs. 7.66 Cr is under process and shall be completed within 90 days of signing of SPSHA and Excess Net Working Capital (ENCW) will be paid at the latest by July, 2026.

Disclosure pursuant to Regulation 30 of SEBI Listing Regulations, 2015 and SEBI Circular No. SEBI/HO/CFD/PoD2/CIR/P/0155 dated 11th November, 2024, Circular No. SEBI/HO/CFD/CFDPoD-2/CIR/P/2024/185 dated 31st December, 2024, and Master Circular HO/49/14/14(7)2025- CFD-POD2/I/3762/2026 dated January 30, 2026 was enclosed as an Annexure I. to the intimation dated March 30, 2026</in-capmkt:BriefDetailsOfInitialAnnouncement><in-capmkt:ReasonForUpdate contextRef="OneD">Others</in-capmkt:ReasonForUpdate><in-capmkt:OtherUpdates contextRef="OneI">Pursuant to the applicable provisions of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015, and in continuation of the earlier disclosures made by the Company in relation to the acquisition of Gozoop Online Private Limited (“Gozoop”), we wish to inform you that the Company has completed the payment of the Excess Net Working Capital (“ENWC”) consideration aggregating to ₹12,00,00,000/- (Rupees Twelve Crores only) to the Selling Shareholders of Gozoop towards the aforesaid acquisition as agreed between the parties.

The payment has been made in accordance with the terms and conditions stipulated under the Share Purchase and Shareholders Agreement (“SPSHA”) dated March 30, 2026, executed in connection with the acquisition of Gozoop by the Company.

With the aforesaid payment, the entire ENWC consideration of ₹12 Crores payable to the Selling Shareholders towards the Tranche 1 acquisition stands discharged.</in-capmkt:OtherUpdates></xbrli:xbrl>
