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<!--SAIIM V1.0 (22-04-2026)-->
<xbrli:xbrl xmlns:in-capmkt="http://www.sebi.gov.in/xbrl/2026-03-31/in-capmkt" xmlns:in-capmkt-ent="http://www.sebi.gov.in/xbrl/Schedule_Of_Analysts_Or_Institutional_Investors_Meeting/2026-03-31/in-capmkt/in-capmkt-ent" xmlns:in-capmkt-roles="http://www.sebi.gov.in/xbrl/Schedule_Of_Analysts_Or_Institutional_Investors_Meeting/2026-03-31/in-capmkt-roles" 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/2026-03-31/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.xbrl.org/2003/XLink"><link:schemaRef xlink:type="simple" xlink:href="in-capmkt-ent-2026-03-31.xsd"/><xbrli:context id="MainI"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">540716</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2026-10-06</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="I_IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeeting1"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">540716</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2026-10-06</xbrli:instant></xbrli:period><xbrli:scenario><xbrldi:typedMember dimension="in-capmkt:IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeetingAxis"><in-capmkt:IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeetingDomain>IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeetingDomain1</in-capmkt:IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeetingDomain></xbrldi:typedMember></xbrli:scenario></xbrli:context><in-capmkt:NSESymbol contextRef="MainI">ICICIGI</in-capmkt:NSESymbol><in-capmkt:NameOfTheCompany contextRef="MainI">ICICI Lombard General Insurance Company Limited</in-capmkt:NameOfTheCompany><in-capmkt:ScripCode contextRef="MainI">540716</in-capmkt:ScripCode><in-capmkt:MSEISymbol contextRef="MainI">NOTLISTED</in-capmkt:MSEISymbol><in-capmkt:ISIN contextRef="MainI">INE765G01017</in-capmkt:ISIN><in-capmkt:TypeOfAnnouncement contextRef="MainI">New</in-capmkt:TypeOfAnnouncement><in-capmkt:PurposeOfDisclosure contextRef="MainI">Schedule of Analysts or Institutional Investors Meet</in-capmkt:PurposeOfDisclosure><in-capmkt:StageOfMeetingOrCallOrConferenceOrEvent contextRef="MainI">Intimation</in-capmkt:StageOfMeetingOrCallOrConferenceOrEvent><in-capmkt:RemarksForWebsiteDissemination contextRef="MainI">The disclosure will be available on the website of the Company at https://www.icicilombard.com</in-capmkt:RemarksForWebsiteDissemination><in-capmkt:DateOfReport contextRef="MainI">2026-10-06</in-capmkt:DateOfReport><in-capmkt:TypeOfMeetingForWhichIntimationIsGiven contextRef="I_IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeeting1">Earning/Quarterly Calls</in-capmkt:TypeOfMeetingForWhichIntimationIsGiven><in-capmkt:DateOfMeetingOrCallOrConferenceOrEventForIntimation contextRef="I_IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeeting1">2026-10-14</in-capmkt:DateOfMeetingOrCallOrConferenceOrEventForIntimation><in-capmkt:TimeOfCommencementOfMeetingOrCallOrConferenceOrEventForIntimation contextRef="I_IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeeting1">19:15:00</in-capmkt:TimeOfCommencementOfMeetingOrCallOrConferenceOrEventForIntimation><in-capmkt:NameOfMeetingOrCallOrConferenceOrEventForIntimation contextRef="I_IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeeting1">Earnings call Q2 &amp; H1 FY2027</in-capmkt:NameOfMeetingOrCallOrConferenceOrEventForIntimation><in-capmkt:PlaceOfMeetingOrCallOrConferenceOrEventForIntimation contextRef="I_IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeeting1">Mumbai</in-capmkt:PlaceOfMeetingOrCallOrConferenceOrEventForIntimation><in-capmkt:NameOfTheFundOrCompanyOfAnalystOrInstitutionalInvestorWithWhomTheMeetingIsScheduledForIntimation contextRef="I_IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeeting1">NA</in-capmkt:NameOfTheFundOrCompanyOfAnalystOrInstitutionalInvestorWithWhomTheMeetingIsScheduledForIntimation><in-capmkt:NameOfAnalystOrInstitutionalInvestorWithWhomTheMeetingIsScheduledForIntimation contextRef="I_IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeeting1">NA</in-capmkt:NameOfAnalystOrInstitutionalInvestorWithWhomTheMeetingIsScheduledForIntimation><in-capmkt:DesignationOfPersonWithWhomTheMeetingIsScheduledForIntimation contextRef="I_IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeeting1">NA</in-capmkt:DesignationOfPersonWithWhomTheMeetingIsScheduledForIntimation><in-capmkt:NameOfHostOfMeetingOrCallOrConferenceOrEventForIntimation contextRef="I_IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeeting1">NA</in-capmkt:NameOfHostOfMeetingOrCallOrConferenceOrEventForIntimation><in-capmkt:TypeOfMeetingOrCallOrConferenceOrEventForIntimation contextRef="I_IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeeting1">Others</in-capmkt:TypeOfMeetingOrCallOrConferenceOrEventForIntimation><in-capmkt:DetailsOfOtherTypeOfMeetingOrCallOrConferenceOrEventForIntimation contextRef="I_IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeeting1">Earnings call Q2 &amp; H1 FY2027</in-capmkt:DetailsOfOtherTypeOfMeetingOrCallOrConferenceOrEventForIntimation><in-capmkt:ModeOfMeetingOrCallOrConferenceOrEventForIntimation contextRef="I_IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeeting1">Virtual</in-capmkt:ModeOfMeetingOrCallOrConferenceOrEventForIntimation><in-capmkt:AgendaOrReasonForMeetingOrCallOrConferenceOrEventForIntimation contextRef="I_IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeeting1">Earnings call</in-capmkt:AgendaOrReasonForMeetingOrCallOrConferenceOrEventForIntimation><in-capmkt:QuarterForWhichEarningsOrQuarterlyCallIsHeldForIntimation contextRef="I_IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeeting1">Q2 Results</in-capmkt:QuarterForWhichEarningsOrQuarterlyCallIsHeldForIntimation><in-capmkt:WeblinkOfMeetingOrCallOrConferenceOrEventForIntimation contextRef="I_IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeeting1">https://services.choruscall.in/DiamondPassRegistration/register?confirmationNumber=4671983&amp;linkSecurityString=28c877ce4c</in-capmkt:WeblinkOfMeetingOrCallOrConferenceOrEventForIntimation><in-capmkt:DialInNumbersForMeetingOrCallOrConferenceOrEventForIntimation contextRef="I_IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeeting1">Universal Access Number +91 22 6280 1341 / +91 22 7115 8242
</in-capmkt:DialInNumbersForMeetingOrCallOrConferenceOrEventForIntimation><in-capmkt:NameOfContactPersonForIntimation contextRef="I_IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeeting1">Adfactors PR Pvt. Ltd - Snighter Albuquerque/ Anand Venugopal

ICICI Lombard - Delzad D.T. Jivaasha / Anup Gopalakrishna</in-capmkt:NameOfContactPersonForIntimation><in-capmkt:ContactDetailsOfContactPersonForIntimation contextRef="I_IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeeting1">Adfactors PR Pvt. Ltd - Mobile: +91 9819123804 /+91 7021852071

ICICI Lombard - Landline: 022 61961274</in-capmkt:ContactDetailsOfContactPersonForIntimation><in-capmkt:EmailIDOfContactPersonForIntimation contextRef="I_IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeeting1">Adfactors PR Pvt. Ltd. - snighter.a@adfactorspr.com / anand.venugopal@adfactorspr.com

ICICI Lombard - ir@icicilombard.com</in-capmkt:EmailIDOfContactPersonForIntimation><in-capmkt:AdditionalDetailsOfMeetingOrCallOrConferenceOrEventForIntimation contextRef="I_IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeeting1">NA</in-capmkt:AdditionalDetailsOfMeetingOrCallOrConferenceOrEventForIntimation><in-capmkt:WhetherIntimationOfMeetingIncludesPresentation contextRef="I_IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeeting1">false</in-capmkt:WhetherIntimationOfMeetingIncludesPresentation><in-capmkt:AnyOtherDisclosureWithRespectToComplianceOfAnySEBIActOrRegulationOrCircularOrProvisionForIntimationOfMeeting contextRef="MainI">Pursuant to Regulation 30(6) of SEBI (Listing Obligation and Disclosure Requirements) Regulations, 2015, we wish to inform you that the Q2 &amp; H1 FY2027 earnings call will be held on Tuesday, October 14, 2026 at 19:15 hrs IST. &lt;br /&gt; 
 &lt;br /&gt; 
The Company will be referring to publicly available documents during the conference call. The aforesaid information is also being hosted on the website of the Company viz. www.icicilombard.com  &lt;br /&gt; 
 &lt;br /&gt; 
 &lt;br /&gt; 
Option 1- Direct Call &lt;br /&gt; 
 &lt;br /&gt; 
Pre- registration link	https://services.choruscall.in/DiamondPassRegistration/register?confirmationNumber=4671983&amp;linkSecurityString=28c877ce4c &lt;br /&gt; 
 &lt;br /&gt; 
To enable the participants to connect to the conference call without having to wait for an operator, please register at the above mentioned link. You will receive dial in numbers, passcode and a pin for the concall on the registered email address provided by you. Kindly dial into the call on the Conference Call date and use the passcode &amp; pin to connect to call. &lt;br /&gt; 
 &lt;br /&gt; 
Option 2 – Dial-in through Operator Assistance &lt;br /&gt; 
 &lt;br /&gt; 
Access Numbers &lt;br /&gt; 
Universal Access Number	+91 22 6280 1341 &lt;br /&gt; 
+91 22 7115 8242 &lt;br /&gt; 
The numbers listed above are universally accessible from all networks and all countries. &lt;br /&gt; 
	         International Toll	                  International Toll Free Numbers &lt;br /&gt; 
USA	        +1 3233868721	                  18667462133 &lt;br /&gt; 
UK	        +44 2034785524	                  08081011573 &lt;br /&gt; 
Hong Kong      +852 30186877	                  800964448 &lt;br /&gt; 
Singapore        +65 31575746	                  8001012045 &lt;br /&gt; 
Participants are requested to dial-in 5 minutes in advance</in-capmkt:AnyOtherDisclosureWithRespectToComplianceOfAnySEBIActOrRegulationOrCircularOrProvisionForIntimationOfMeeting><in-capmkt:RemarksForWebsiteDisseminationForIntimationOfMeeting contextRef="MainI">Pursuant to Regulation 30(6) of SEBI (Listing Obligation and Disclosure Requirements) Regulations, 2015, we wish to inform you that the Q2 &amp; H1 FY2027 earnings call will be held on Tuesday, October 14, 2026 at 19:15 hrs IST. &lt;br /&gt; 
 &lt;br /&gt; 
The Company will be referring to publicly available documents during the conference call. The aforesaid information is also being hosted on the website of the Company viz. www.icicilombard.com  &lt;br /&gt; 
 &lt;br /&gt; 
 &lt;br /&gt; 
Option 1- Direct Call &lt;br /&gt; 
 &lt;br /&gt; 
Pre- registration link	https://services.choruscall.in/DiamondPassRegistration/register?confirmationNumber=4671983&amp;linkSecurityString=28c877ce4c &lt;br /&gt; 
 &lt;br /&gt; 
To enable the participants to connect to the conference call without having to wait for an operator, please register at the above mentioned link. You will receive dial in numbers, passcode and a pin for the concall on the registered email address provided by you. Kindly dial into the call on the Conference Call date and use the passcode &amp; pin to connect to call. &lt;br /&gt; 
 &lt;br /&gt; 
Option 2 – Dial-in through Operator Assistance &lt;br /&gt; 
 &lt;br /&gt; 
Access Numbers &lt;br /&gt; 
Universal Access Number	+91 22 6280 1341 &lt;br /&gt; 
+91 22 7115 8242 &lt;br /&gt; 
The numbers listed above are universally accessible from all networks and all countries. &lt;br /&gt; 
	         International Toll	                  International Toll Free Numbers &lt;br /&gt; 
USA	        +1 3233868721	                  18667462133 &lt;br /&gt; 
UK	        +44 2034785524	                  08081011573 &lt;br /&gt; 
Hong Kong      +852 30186877	                  800964448 &lt;br /&gt; 
Singapore        +65 31575746	                  8001012045 &lt;br /&gt; 
Participants are requested to dial-in 5 minutes in advance</in-capmkt:RemarksForWebsiteDisseminationForIntimationOfMeeting></xbrli:xbrl>
