<?xml version="1.0" encoding="UTF-8" standalone="no"?><xbrli:xbrl xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:in-capmkt="http://www.sebi.gov.in/xbrl/2022-03-31/in-capmkt" xmlns:in-capmkt-roles="http://www.sebi.gov.in/xbrl/RelatedPartyTransactions/2022-03-31/in-capmkt/in-capmkt-ent" xmlns:in-capmkt-types="https://www.sebi.gov.in/xbrl/2022-03-31/in-capmkt-types" xmlns:iso4217="http://www.xbrl.org/2003/iso4217" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:negated="http://www.xbrl.org/2009/role/negated" xmlns:net="http://www.xbrl.org/2009/role/net" xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric" xmlns:num="http://www.xbrl.org/dtr/type/numeric" xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:xl="http://www.xbrl.org/2003/XLink" xmlns:xlink="http://www.w3.org/1999/xlink"><link:schemaRef xlink:href="in-capmkt-ent-2022-03-31.xsd" xlink:type="simple"/><xbrli:context id="MainD"><xbrli:entity><xbrli:identifier 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scheme="https://www.sebi.gov.in/in-capmkt/NSESymbol">KARURVYSYA</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2022-09-30</xbrli:instant></xbrli:period><xbrli:scenario><xbrldi:typedMember dimension="in-capmkt:RelatedPartyTransactionAxis"><in-capmkt:RelatedPartyTransactionDomain>RelatedPartyTransactionDomain8</in-capmkt:RelatedPartyTransactionDomain></xbrldi:typedMember></xbrli:scenario></xbrli:context><xbrli:context id="RelatedPartyTransaction8"><xbrli:entity><xbrli:identifier scheme="https://www.sebi.gov.in/in-capmkt/NSESymbol">KARURVYSYA</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2023-03-31</xbrli:instant></xbrli:period><xbrli:scenario><xbrldi:typedMember dimension="in-capmkt:RelatedPartyTransactionAxis"><in-capmkt:RelatedPartyTransactionDomain>RelatedPartyTransactionDomain8</in-capmkt:RelatedPartyTransactionDomain></xbrldi:typedMember></xbrli:scenario></xbrli:context><xbrli:unit id="INR"><xbrli:measure>iso4217:INR</xbrli:measure></xbrli:unit><in-capmkt:NameOfTheCompany contextRef="MainI">The Karur Vysya Bank Limited</in-capmkt:NameOfTheCompany><in-capmkt:ScripCode contextRef="MainI">590003</in-capmkt:ScripCode><in-capmkt:NSESymbol contextRef="MainI">KARURVYSYA</in-capmkt:NSESymbol><in-capmkt:MSEISymbol contextRef="MainI">NOTLISTED</in-capmkt:MSEISymbol><in-capmkt:DateOfStartOfFinancialYear contextRef="MainD">2022-04-01</in-capmkt:DateOfStartOfFinancialYear><in-capmkt:DateOfEndOfFinancialYear contextRef="MainD">2023-03-31</in-capmkt:DateOfEndOfFinancialYear><in-capmkt:ReportingPeriod contextRef="MainD">Second half yearly</in-capmkt:ReportingPeriod><in-capmkt:DateOfStartOfReportingPeriod contextRef="MainD">2022-10-01</in-capmkt:DateOfStartOfReportingPeriod><in-capmkt:DateOfEndOfReportingPeriod contextRef="MainD">2023-03-31</in-capmkt:DateOfEndOfReportingPeriod><in-capmkt:LevelOfRoundingUsedInFinancialStatements contextRef="MainD">Lakhs</in-capmkt:LevelOfRoundingUsedInFinancialStatements><in-capmkt:WhetherTheCompanyHasAnyRelatedParty contextRef="MainD">true</in-capmkt:WhetherTheCompanyHasAnyRelatedParty><in-capmkt:WhetherTheCompanyHasEnteredIntoAnyRelatedPartyTransactionDuringThePeriod contextRef="MainD">true</in-capmkt:WhetherTheCompanyHasEnteredIntoAnyRelatedPartyTransactionDuringThePeriod><in-capmkt:WeDeclareThatTheAcceptanceOfFixedDepositsByTheBansOrNonBankingFinanceCompanyAreAtTheTermsUniformlyApplicableOrOfferedToAllShareholdersOrPublic contextRef="MainD">Yes</in-capmkt:WeDeclareThatTheAcceptanceOfFixedDepositsByTheBansOrNonBankingFinanceCompanyAreAtTheTermsUniformlyApplicableOrOfferedToAllShareholdersOrPublic><in-capmkt:WeDeclareThatTheScheduledCommercialBankAsPerRBICircularRBIDBR20151619DatedMarch032016HasAllowedAdditionalInterestOfOnePerCentPerAnnumOverAndAboveTheRateOfInterestMentionedInTheScheduleOfInterestRatesOnSavings contextRef="MainD">Yes</in-capmkt:WeDeclareThatTheScheduledCommercialBankAsPerRBICircularRBIDBR20151619DatedMarch032016HasAllowedAdditionalInterestOfOnePerCentPerAnnumOverAndAboveTheRateOfInterestMentionedInTheScheduleOfInterestRatesOnSavings><in-capmkt:WhetherTheCompanyIsAHighValueDebtListedEntityAccordingToRegulation151A contextRef="MainD">false</in-capmkt:WhetherTheCompanyIsAHighValueDebtListedEntityAccordingToRegulation151A><in-capmkt:IfTheCompanyIsAHighValueDebtListedEntityAccordingToRegulation151AThenWhetherComplyingWithProvisoToRegulation239 contextRef="MainD">false</in-capmkt:IfTheCompanyIsAHighValueDebtListedEntityAccordingToRegulation151AThenWhetherComplyingWithProvisoToRegulation239><in-capmkt:NameOfListedEntityOrSubsidiaryEnteringIntoTheTransaction contextRef="D_RelatedPartyTransaction1">The Karur Vysya Bank Limited</in-capmkt:NameOfListedEntityOrSubsidiaryEnteringIntoTheTransaction><in-capmkt:NameOfCounterParty contextRef="D_RelatedPartyTransaction1">B Ramesh Babu</in-capmkt:NameOfCounterParty><in-capmkt:RelationshipOfTheCounterpartyWithTheListedEntityOrItsSubsidiary contextRef="D_RelatedPartyTransaction1">Key Managerial Personnel (KMP)</in-capmkt:RelationshipOfTheCounterpartyWithTheListedEntityOrItsSubsidiary><in-capmkt:TypeOfRelatedPartyTransaction contextRef="D_RelatedPartyTransaction1">Remuneration</in-capmkt:TypeOfRelatedPartyTransaction><in-capmkt:RemarksOnApprovalByAuditCommittee contextRef="D_RelatedPartyTransaction1">NA</in-capmkt:RemarksOnApprovalByAuditCommittee><in-capmkt:AmountOfRelatedPartyTransactionDuringTheReportingPeriod contextRef="D_RelatedPartyTransaction1" decimals="-3" unitRef="INR">13591000</in-capmkt:AmountOfRelatedPartyTransactionDuringTheReportingPeriod><in-capmkt:AmountOfRelatedPartyTransaction contextRef="RelatedPartyTransaction_PY1" decimals="-5" unitRef="INR">0</in-capmkt:AmountOfRelatedPartyTransaction><in-capmkt:AmountOfRelatedPartyTransaction contextRef="RelatedPartyTransaction1" decimals="-5" unitRef="INR">0</in-capmkt:AmountOfRelatedPartyTransaction><in-capmkt:RelatedPartyTransactionExplanatory contextRef="D_RelatedPartyTransaction1">&lt;DIV   &gt;
&lt;DIV&gt;
&lt;P align=left&gt;&lt;/P&gt;&lt;FONT size=2&gt;
&lt;P&gt;As per the Accounting standards, MD&amp;amp;CEO is considered as KMP. &lt;/P&gt;&lt;/FONT&gt;&lt;/DIV&gt;&lt;/DIV&gt;</in-capmkt:RelatedPartyTransactionExplanatory><in-capmkt:NameOfListedEntityOrSubsidiaryEnteringIntoTheTransaction contextRef="D_RelatedPartyTransaction2">The Karur Vysya Bank Limited</in-capmkt:NameOfListedEntityOrSubsidiaryEnteringIntoTheTransaction><in-capmkt:NameOfCounterParty contextRef="D_RelatedPartyTransaction2">AVS &amp; AVR</in-capmkt:NameOfCounterParty><in-capmkt:RelationshipOfTheCounterpartyWithTheListedEntityOrItsSubsidiary contextRef="D_RelatedPartyTransaction2">Promoter Related Entity</in-capmkt:RelationshipOfTheCounterpartyWithTheListedEntityOrItsSubsidiary><in-capmkt:TypeOfRelatedPartyTransaction contextRef="D_RelatedPartyTransaction2">Purchase of goods or services</in-capmkt:TypeOfRelatedPartyTransaction><in-capmkt:ValueOfTheRelatedPartyTransactionAsApprovedByTheAuditCommittee contextRef="D_RelatedPartyTransaction2" decimals="-5" unitRef="INR">2500000</in-capmkt:ValueOfTheRelatedPartyTransactionAsApprovedByTheAuditCommittee><in-capmkt:RemarksOnApprovalByAuditCommittee contextRef="D_RelatedPartyTransaction2">Approved</in-capmkt:RemarksOnApprovalByAuditCommittee><in-capmkt:AmountOfRelatedPartyTransactionDuringTheReportingPeriod contextRef="D_RelatedPartyTransaction2" decimals="-3" unitRef="INR">617000</in-capmkt:AmountOfRelatedPartyTransactionDuringTheReportingPeriod><in-capmkt:AmountOfRelatedPartyTransaction contextRef="RelatedPartyTransaction_PY2" decimals="-5" unitRef="INR">0</in-capmkt:AmountOfRelatedPartyTransaction><in-capmkt:AmountOfRelatedPartyTransaction contextRef="RelatedPartyTransaction2" decimals="-5" unitRef="INR">0</in-capmkt:AmountOfRelatedPartyTransaction><in-capmkt:RelatedPartyTransactionExplanatory contextRef="D_RelatedPartyTransaction2">&lt;DIV   &gt;
&lt;DIV&gt;&lt;/DIV&gt;&lt;FONT size=2&gt;
&lt;P&gt;Purchase of Fuel/Batteries for office vehicles and generators on arm’s length basis. &lt;/P&gt;&lt;/FONT&gt;&lt;/DIV&gt;</in-capmkt:RelatedPartyTransactionExplanatory><in-capmkt:NameOfListedEntityOrSubsidiaryEnteringIntoTheTransaction contextRef="D_RelatedPartyTransaction3">The Karur Vysya Bank Limited</in-capmkt:NameOfListedEntityOrSubsidiaryEnteringIntoTheTransaction><in-capmkt:NameOfCounterParty contextRef="D_RelatedPartyTransaction3">AKC Service Station</in-capmkt:NameOfCounterParty><in-capmkt:RelationshipOfTheCounterpartyWithTheListedEntityOrItsSubsidiary contextRef="D_RelatedPartyTransaction3">Promoter Related Entity</in-capmkt:RelationshipOfTheCounterpartyWithTheListedEntityOrItsSubsidiary><in-capmkt:TypeOfRelatedPartyTransaction contextRef="D_RelatedPartyTransaction3">Purchase of goods or services</in-capmkt:TypeOfRelatedPartyTransaction><in-capmkt:ValueOfTheRelatedPartyTransactionAsApprovedByTheAuditCommittee contextRef="D_RelatedPartyTransaction3" decimals="-5" unitRef="INR">2500000</in-capmkt:ValueOfTheRelatedPartyTransactionAsApprovedByTheAuditCommittee><in-capmkt:RemarksOnApprovalByAuditCommittee contextRef="D_RelatedPartyTransaction3">Approved</in-capmkt:RemarksOnApprovalByAuditCommittee><in-capmkt:AmountOfRelatedPartyTransactionDuringTheReportingPeriod contextRef="D_RelatedPartyTransaction3" decimals="-3" unitRef="INR">645000</in-capmkt:AmountOfRelatedPartyTransactionDuringTheReportingPeriod><in-capmkt:AmountOfRelatedPartyTransaction contextRef="RelatedPartyTransaction_PY3" decimals="-5" unitRef="INR">0</in-capmkt:AmountOfRelatedPartyTransaction><in-capmkt:AmountOfRelatedPartyTransaction contextRef="RelatedPartyTransaction3" decimals="-5" unitRef="INR">0</in-capmkt:AmountOfRelatedPartyTransaction><in-capmkt:RelatedPartyTransactionExplanatory contextRef="D_RelatedPartyTransaction3">&lt;DIV   &gt;
&lt;DIV&gt;&lt;FONT size=2&gt;
&lt;P&gt;Purchase of Fuel/Batteries for office vehicles and generators on arm’s length basis. &lt;/P&gt;&lt;/FONT&gt;&lt;/DIV&gt;&lt;/DIV&gt;</in-capmkt:RelatedPartyTransactionExplanatory><in-capmkt:NameOfListedEntityOrSubsidiaryEnteringIntoTheTransaction contextRef="D_RelatedPartyTransaction4">The Karur Vysya Bank Limited</in-capmkt:NameOfListedEntityOrSubsidiaryEnteringIntoTheTransaction><in-capmkt:NameOfCounterParty contextRef="D_RelatedPartyTransaction4">M K Venkatesan</in-capmkt:NameOfCounterParty><in-capmkt:RelationshipOfTheCounterpartyWithTheListedEntityOrItsSubsidiary contextRef="D_RelatedPartyTransaction4">Promoter</in-capmkt:RelationshipOfTheCounterpartyWithTheListedEntityOrItsSubsidiary><in-capmkt:TypeOfRelatedPartyTransaction contextRef="D_RelatedPartyTransaction4">Purchase of goods or services</in-capmkt:TypeOfRelatedPartyTransaction><in-capmkt:ValueOfTheRelatedPartyTransactionAsApprovedByTheAuditCommittee contextRef="D_RelatedPartyTransaction4" decimals="-5" unitRef="INR">200000</in-capmkt:ValueOfTheRelatedPartyTransactionAsApprovedByTheAuditCommittee><in-capmkt:RemarksOnApprovalByAuditCommittee contextRef="D_RelatedPartyTransaction4">Approved</in-capmkt:RemarksOnApprovalByAuditCommittee><in-capmkt:AmountOfRelatedPartyTransactionDuringTheReportingPeriod contextRef="D_RelatedPartyTransaction4" decimals="-4" unitRef="INR">10000</in-capmkt:AmountOfRelatedPartyTransactionDuringTheReportingPeriod><in-capmkt:AmountOfRelatedPartyTransaction contextRef="RelatedPartyTransaction_PY4" decimals="-5" unitRef="INR">0</in-capmkt:AmountOfRelatedPartyTransaction><in-capmkt:AmountOfRelatedPartyTransaction contextRef="RelatedPartyTransaction4" decimals="-5" unitRef="INR">0</in-capmkt:AmountOfRelatedPartyTransaction><in-capmkt:RelatedPartyTransactionExplanatory contextRef="D_RelatedPartyTransaction4">&lt;DIV   &gt;
&lt;DIV&gt;&lt;FONT size=2&gt;
&lt;P&gt;Honorarium for Interview Panel Member. &lt;/P&gt;&lt;/FONT&gt;&lt;/DIV&gt;&lt;/DIV&gt;</in-capmkt:RelatedPartyTransactionExplanatory><in-capmkt:NameOfListedEntityOrSubsidiaryEnteringIntoTheTransaction contextRef="D_RelatedPartyTransaction5">The Karur Vysya Bank Limited</in-capmkt:NameOfListedEntityOrSubsidiaryEnteringIntoTheTransaction><in-capmkt:NameOfCounterParty contextRef="D_RelatedPartyTransaction5">A J Suriyanarayana</in-capmkt:NameOfCounterParty><in-capmkt:RelationshipOfTheCounterpartyWithTheListedEntityOrItsSubsidiary contextRef="D_RelatedPartyTransaction5">Promoter</in-capmkt:RelationshipOfTheCounterpartyWithTheListedEntityOrItsSubsidiary><in-capmkt:TypeOfRelatedPartyTransaction contextRef="D_RelatedPartyTransaction5">Purchase of goods or services</in-capmkt:TypeOfRelatedPartyTransaction><in-capmkt:ValueOfTheRelatedPartyTransactionAsApprovedByTheAuditCommittee contextRef="D_RelatedPartyTransaction5" decimals="-5" unitRef="INR">200000</in-capmkt:ValueOfTheRelatedPartyTransactionAsApprovedByTheAuditCommittee><in-capmkt:RemarksOnApprovalByAuditCommittee contextRef="D_RelatedPartyTransaction5">Approved</in-capmkt:RemarksOnApprovalByAuditCommittee><in-capmkt:AmountOfRelatedPartyTransactionDuringTheReportingPeriod contextRef="D_RelatedPartyTransaction5" decimals="-4" unitRef="INR">10000</in-capmkt:AmountOfRelatedPartyTransactionDuringTheReportingPeriod><in-capmkt:AmountOfRelatedPartyTransaction contextRef="RelatedPartyTransaction_PY5" decimals="-5" unitRef="INR">0</in-capmkt:AmountOfRelatedPartyTransaction><in-capmkt:AmountOfRelatedPartyTransaction contextRef="RelatedPartyTransaction5" decimals="-5" unitRef="INR">0</in-capmkt:AmountOfRelatedPartyTransaction><in-capmkt:RelatedPartyTransactionExplanatory contextRef="D_RelatedPartyTransaction5">&lt;DIV   &gt;
&lt;DIV&gt;&lt;FONT size=2&gt;
&lt;P&gt;Honorarium for Interview Panel Member. &lt;/P&gt;&lt;/FONT&gt;&lt;/DIV&gt;&lt;/DIV&gt;</in-capmkt:RelatedPartyTransactionExplanatory><in-capmkt:NameOfListedEntityOrSubsidiaryEnteringIntoTheTransaction contextRef="D_RelatedPartyTransaction6">The Karur Vysya Bank Limited</in-capmkt:NameOfListedEntityOrSubsidiaryEnteringIntoTheTransaction><in-capmkt:NameOfCounterParty contextRef="D_RelatedPartyTransaction6">A K Praburaj</in-capmkt:NameOfCounterParty><in-capmkt:RelationshipOfTheCounterpartyWithTheListedEntityOrItsSubsidiary contextRef="D_RelatedPartyTransaction6">Promoter</in-capmkt:RelationshipOfTheCounterpartyWithTheListedEntityOrItsSubsidiary><in-capmkt:TypeOfRelatedPartyTransaction contextRef="D_RelatedPartyTransaction6">Any other transaction</in-capmkt:TypeOfRelatedPartyTransaction><in-capmkt:DetailsOfOtherRelatedPartyTransaction contextRef="D_RelatedPartyTransaction6">Concession on Service Charges</in-capmkt:DetailsOfOtherRelatedPartyTransaction><in-capmkt:ValueOfTheRelatedPartyTransactionAsApprovedByTheAuditCommittee contextRef="D_RelatedPartyTransaction6" decimals="-5" unitRef="INR">100000</in-capmkt:ValueOfTheRelatedPartyTransactionAsApprovedByTheAuditCommittee><in-capmkt:RemarksOnApprovalByAuditCommittee contextRef="D_RelatedPartyTransaction6">Approved</in-capmkt:RemarksOnApprovalByAuditCommittee><in-capmkt:AmountOfRelatedPartyTransactionDuringTheReportingPeriod contextRef="D_RelatedPartyTransaction6" decimals="-3" unitRef="INR">16000</in-capmkt:AmountOfRelatedPartyTransactionDuringTheReportingPeriod><in-capmkt:AmountOfRelatedPartyTransaction contextRef="RelatedPartyTransaction_PY6" decimals="-5" unitRef="INR">0</in-capmkt:AmountOfRelatedPartyTransaction><in-capmkt:AmountOfRelatedPartyTransaction contextRef="RelatedPartyTransaction6" decimals="-5" unitRef="INR">0</in-capmkt:AmountOfRelatedPartyTransaction><in-capmkt:RelatedPartyTransactionExplanatory contextRef="D_RelatedPartyTransaction6">&lt;DIV   &gt;
&lt;DIV&gt;&lt;FONT size=2&gt;
&lt;P&gt;Concession on service charges are offered at arm’s length basis which are uniformly applicable to customers based on their business relationship in ordinary course of business. No excess concessions are offered in the status of Director/Promoter &lt;/P&gt;&lt;/FONT&gt;&lt;/DIV&gt;&lt;/DIV&gt;</in-capmkt:RelatedPartyTransactionExplanatory><in-capmkt:NameOfListedEntityOrSubsidiaryEnteringIntoTheTransaction contextRef="D_RelatedPartyTransaction7">The Karur Vysya Bank Limited</in-capmkt:NameOfListedEntityOrSubsidiaryEnteringIntoTheTransaction><in-capmkt:NameOfCounterParty contextRef="D_RelatedPartyTransaction7">A J Suriyanarayana</in-capmkt:NameOfCounterParty><in-capmkt:RelationshipOfTheCounterpartyWithTheListedEntityOrItsSubsidiary contextRef="D_RelatedPartyTransaction7">Promoter</in-capmkt:RelationshipOfTheCounterpartyWithTheListedEntityOrItsSubsidiary><in-capmkt:TypeOfRelatedPartyTransaction contextRef="D_RelatedPartyTransaction7">Any other transaction</in-capmkt:TypeOfRelatedPartyTransaction><in-capmkt:DetailsOfOtherRelatedPartyTransaction contextRef="D_RelatedPartyTransaction7">Concession on Service Charges</in-capmkt:DetailsOfOtherRelatedPartyTransaction><in-capmkt:ValueOfTheRelatedPartyTransactionAsApprovedByTheAuditCommittee contextRef="D_RelatedPartyTransaction7" decimals="-5" unitRef="INR">1000000</in-capmkt:ValueOfTheRelatedPartyTransactionAsApprovedByTheAuditCommittee><in-capmkt:RemarksOnApprovalByAuditCommittee contextRef="D_RelatedPartyTransaction7">Approved</in-capmkt:RemarksOnApprovalByAuditCommittee><in-capmkt:AmountOfRelatedPartyTransactionDuringTheReportingPeriod contextRef="D_RelatedPartyTransaction7" decimals="-3" unitRef="INR">366000</in-capmkt:AmountOfRelatedPartyTransactionDuringTheReportingPeriod><in-capmkt:AmountOfRelatedPartyTransaction contextRef="RelatedPartyTransaction_PY7" decimals="-5" unitRef="INR">0</in-capmkt:AmountOfRelatedPartyTransaction><in-capmkt:AmountOfRelatedPartyTransaction contextRef="RelatedPartyTransaction7" decimals="-5" unitRef="INR">0</in-capmkt:AmountOfRelatedPartyTransaction><in-capmkt:RelatedPartyTransactionExplanatory contextRef="D_RelatedPartyTransaction7">&lt;DIV   &gt;
&lt;DIV&gt;&lt;FONT size=2&gt;
&lt;P&gt;Concession on service charges are offered at arm’s length basis which are uniformly applicable to customers based on their business relationship in ordinary course of business. No excess concessions are offered in the status of Director/Promoter &lt;/P&gt;&lt;/FONT&gt;&lt;/DIV&gt;&lt;/DIV&gt;</in-capmkt:RelatedPartyTransactionExplanatory><in-capmkt:NameOfListedEntityOrSubsidiaryEnteringIntoTheTransaction contextRef="D_RelatedPartyTransaction8">The Karur Vysya Bank Limited</in-capmkt:NameOfListedEntityOrSubsidiaryEnteringIntoTheTransaction><in-capmkt:NameOfCounterParty contextRef="D_RelatedPartyTransaction8">R Ramkumar</in-capmkt:NameOfCounterParty><in-capmkt:RelationshipOfTheCounterpartyWithTheListedEntityOrItsSubsidiary contextRef="D_RelatedPartyTransaction8">Director &amp; Promoter
Group</in-capmkt:RelationshipOfTheCounterpartyWithTheListedEntityOrItsSubsidiary><in-capmkt:TypeOfRelatedPartyTransaction contextRef="D_RelatedPartyTransaction8">Any other transaction</in-capmkt:TypeOfRelatedPartyTransaction><in-capmkt:DetailsOfOtherRelatedPartyTransaction contextRef="D_RelatedPartyTransaction8">Concession on Service Charges</in-capmkt:DetailsOfOtherRelatedPartyTransaction><in-capmkt:ValueOfTheRelatedPartyTransactionAsApprovedByTheAuditCommittee contextRef="D_RelatedPartyTransaction8" decimals="-3" unitRef="INR">25000</in-capmkt:ValueOfTheRelatedPartyTransactionAsApprovedByTheAuditCommittee><in-capmkt:RemarksOnApprovalByAuditCommittee contextRef="D_RelatedPartyTransaction8">Approved</in-capmkt:RemarksOnApprovalByAuditCommittee><in-capmkt:AmountOfRelatedPartyTransactionDuringTheReportingPeriod contextRef="D_RelatedPartyTransaction8" decimals="-3" unitRef="INR">5000</in-capmkt:AmountOfRelatedPartyTransactionDuringTheReportingPeriod><in-capmkt:AmountOfRelatedPartyTransaction contextRef="RelatedPartyTransaction_PY8" decimals="-5" unitRef="INR">0</in-capmkt:AmountOfRelatedPartyTransaction><in-capmkt:AmountOfRelatedPartyTransaction contextRef="RelatedPartyTransaction8" decimals="-5" unitRef="INR">0</in-capmkt:AmountOfRelatedPartyTransaction><in-capmkt:RelatedPartyTransactionExplanatory contextRef="D_RelatedPartyTransaction8">&lt;DIV   &gt;
&lt;DIV&gt;&lt;FONT size=2&gt;
&lt;P&gt;Concession on service charges are offered at arm’s length basis which are uniformly applicable to customers based on their business relationship in ordinary course of business. No excess concessions are offered in the status of Director/Promoter &lt;/P&gt;&lt;/FONT&gt;&lt;/DIV&gt;&lt;/DIV&gt;</in-capmkt:RelatedPartyTransactionExplanatory></xbrli:xbrl>