<?xml version="1.0" encoding="UTF-8"?>
<!--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/ScripCode">512179</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2026-10-01</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="OneD"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">512179</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2026-10-01</xbrli:startDate><xbrli:endDate>2026-10-01</xbrli:endDate></xbrli:period></xbrli:context><xbrli:unit id="INR"><xbrli:measure>iso4217:INR</xbrli:measure></xbrli:unit><in-capmkt:ScripCode contextRef="OneI">512179</in-capmkt:ScripCode><in-capmkt:NameOfTheCompany contextRef="OneI">Sunteck Realty Limited</in-capmkt:NameOfTheCompany><in-capmkt:NSESymbol contextRef="OneI">SUNTECK</in-capmkt:NSESymbol><in-capmkt:MSEISymbol contextRef="OneI">NOTLISTED</in-capmkt:MSEISymbol><in-capmkt:ISIN contextRef="OneI">INE805D01034</in-capmkt:ISIN><in-capmkt:TypeOfAnnouncementPertainingToRegulation30Restructuring contextRef="OneD">New</in-capmkt:TypeOfAnnouncementPertainingToRegulation30Restructuring><in-capmkt:TypeOfEventOfAnnouncementPertainingToRegulation30Restructuring contextRef="OneD">De-merger</in-capmkt:TypeOfEventOfAnnouncementPertainingToRegulation30Restructuring><in-capmkt:WhetherEventOrInformationDisclosedIsAnOutcomeOfBoardMeeting contextRef="OneD">true</in-capmkt:WhetherEventOrInformationDisclosedIsAnOutcomeOfBoardMeeting><in-capmkt:DateOfBoardMeeting contextRef="OneI">2026-10-01</in-capmkt:DateOfBoardMeeting><in-capmkt:EndTimeOfBoardMeeting contextRef="OneD">19:05:00</in-capmkt:EndTimeOfBoardMeeting><in-capmkt:DateOfReport contextRef="OneI">2026-10-01</in-capmkt:DateOfReport><in-capmkt:BriefDetailsOfTheDivisionsToBeDemerged contextRef="OneI">The Scheme is essentially an internal reorganisation between Sunteck Realty Limited (“Resulting Company” or “Sunteck”) and its wholly owned subsidiary - Satguru Corporate Services Private Limited (“Demerged Company” or “Satguru”). The Scheme provides for the demerger and consolidation of the Demerged Business Undertaking (as defined in the Scheme) of Satguru into Sunteck, on a going concern basis. The Demerged Business Undertaking of the Demerged Company comprises of the residential real estate project under “Sunteck City 4th Avenue Undertaking” (as defined in the Scheme).</in-capmkt:BriefDetailsOfTheDivisionsToBeDemerged><in-capmkt:NatureOfConsiderationForDemerger contextRef="OneD">Others</in-capmkt:NatureOfConsiderationForDemerger><in-capmkt:DetailsOfConsiderationForDemerger contextRef="OneI">The Scheme is essentially an internal reorganisation between Sunteck and its wholly owned subsidiary - Satguru. Since, Satguru is a wholly owned subsidiary of Sunteck, hence, no shares are proposed to be issued pursuant to the Scheme. Therefore, there will be no change in the shareholding patterns of Sunteck and Satguru. The equity shares of the Resulting Company are already listed on the Stock Exchanges. There is no requirement of any new listing of shares as there is no consideration involved in the Scheme.</in-capmkt:DetailsOfConsiderationForDemerger><in-capmkt:RationaleForDemerger contextRef="OneI">The Scheme is expected, inter alia, to result in the following benefits:
 1.	Consolidation of Demerged Business Undertaking 
2.	To achieve administrative and operational efficiencies 
3.	Efficient pooling and deployment of financial resources, managerial resources and facilitate project-specific capital allocation and funding strategies. 
There will be no change in the shareholding patterns of Sunteck and Satguru.</in-capmkt:RationaleForDemerger><in-capmkt:BriefDetailsOfChangeInShareholdingPatternOfAllEntitiesForDemerger contextRef="OneI">The Scheme is essentially an internal reorganisation between Sunteck and its wholly owned subsidiary - Satguru. Since, Satguru is a wholly owned subsidiary of Sunteck, hence, no shares are proposed to be issued pursuant to the Scheme. Therefore, there will be no change in the shareholding patterns of Sunteck and Satguru. The equity shares of the Resulting Company are already listed on the Stock Exchanges. There is no requirement of any new listing of shares as there is no consideration involved in the Scheme.</in-capmkt:BriefDetailsOfChangeInShareholdingPatternOfAllEntitiesForDemerger><in-capmkt:WhetherListingWouldBeSoughtForTheResultingEntity contextRef="OneD">false</in-capmkt:WhetherListingWouldBeSoughtForTheResultingEntity><in-capmkt:AnyOtherBriefSignificantInformationForDemerger contextRef="OneI">The turnover of the Demerged Business Undertaking of Satguru for the year ended 31 March 2026 was Rs. ~869 Crs representing ~77% of the total consolidated turnover of Sunteck for the year ended 31st March 2026.</in-capmkt:AnyOtherBriefSignificantInformationForDemerger></xbrli:xbrl>
