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<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">542752</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2026-11-01</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="I_IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeeting1"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">542752</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2026-11-01</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">AFFLE</in-capmkt:NSESymbol><in-capmkt:NameOfTheCompany contextRef="MainI">Affle 3i Limited</in-capmkt:NameOfTheCompany><in-capmkt:ScripCode contextRef="MainI">542752</in-capmkt:ScripCode><in-capmkt:MSEISymbol contextRef="MainI">NOTLISTED</in-capmkt:MSEISymbol><in-capmkt:ISIN contextRef="MainI">INE00WC01027</in-capmkt:ISIN><in-capmkt:TypeOfAnnouncement contextRef="MainI">Revision</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"> &lt;br /&gt; 
Further to our letter dated October 28, 2026, we wish to inform you that due to a material development in the Group, for which the intimation under Regulation 30 has been separately disclosed, the Company will not be holding Earnings Conference Call scheduled for Monday, November 02, 2026 at 10:00AM (IST). &lt;br /&gt; 
 &lt;br /&gt; 
Further, the Company will be attending an in-person investors group meeting, hosted by Ambit Capital to address the announcement made for the execution of the definitive agreement with regards to the acquisition of Perion Network Ltd. by the Step down Subsidiary of the Company. &lt;br /&gt; 
</in-capmkt:RemarksForWebsiteDissemination><in-capmkt:DateOfReport contextRef="MainI">2026-11-01</in-capmkt:DateOfReport><in-capmkt:TypeOfMeetingForWhichIntimationIsGiven contextRef="I_IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeeting1">Others</in-capmkt:TypeOfMeetingForWhichIntimationIsGiven><in-capmkt:DetailsOfOtherTypeOfMeetingForWhichIntimationIsGiven contextRef="I_IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeeting1">Webinar</in-capmkt:DetailsOfOtherTypeOfMeetingForWhichIntimationIsGiven><in-capmkt:DateOfMeetingOrCallOrConferenceOrEventForIntimation contextRef="I_IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeeting1">2026-11-02</in-capmkt:DateOfMeetingOrCallOrConferenceOrEventForIntimation><in-capmkt:TimeOfCommencementOfMeetingOrCallOrConferenceOrEventForIntimation contextRef="I_IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeeting1">16:30:00</in-capmkt:TimeOfCommencementOfMeetingOrCallOrConferenceOrEventForIntimation><in-capmkt:NameOfMeetingOrCallOrConferenceOrEventForIntimation contextRef="I_IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeeting1">Webinar due to a material development in the Group</in-capmkt:NameOfMeetingOrCallOrConferenceOrEventForIntimation><in-capmkt:PlaceOfMeetingOrCallOrConferenceOrEventForIntimation contextRef="I_IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeeting1">Mumbai</in-capmkt:PlaceOfMeetingOrCallOrConferenceOrEventForIntimation><in-capmkt:NameOfTheFundOrCompanyOfAnalystOrInstitutionalInvestorWithWhomTheMeetingIsScheduledForIntimation contextRef="I_IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeeting1">Analysts, Investors and General Public</in-capmkt:NameOfTheFundOrCompanyOfAnalystOrInstitutionalInvestorWithWhomTheMeetingIsScheduledForIntimation><in-capmkt:NameOfAnalystOrInstitutionalInvestorWithWhomTheMeetingIsScheduledForIntimation contextRef="I_IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeeting1">Analysts, Investors and General Public</in-capmkt:NameOfAnalystOrInstitutionalInvestorWithWhomTheMeetingIsScheduledForIntimation><in-capmkt:DesignationOfPersonWithWhomTheMeetingIsScheduledForIntimation contextRef="I_IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeeting1">Not applicable</in-capmkt:DesignationOfPersonWithWhomTheMeetingIsScheduledForIntimation><in-capmkt:NameOfHostOfMeetingOrCallOrConferenceOrEventForIntimation contextRef="I_IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeeting1">Affle 3i Limited</in-capmkt:NameOfHostOfMeetingOrCallOrConferenceOrEventForIntimation><in-capmkt:TypeOfMeetingOrCallOrConferenceOrEventForIntimation contextRef="I_IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeeting1">Others</in-capmkt:TypeOfMeetingOrCallOrConferenceOrEventForIntimation><in-capmkt:DetailsOfOtherTypeOfMeetingOrCallOrConferenceOrEventForIntimation contextRef="I_IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeeting1">Webinar</in-capmkt:DetailsOfOtherTypeOfMeetingOrCallOrConferenceOrEventForIntimation><in-capmkt:ModeOfMeetingOrCallOrConferenceOrEventForIntimation contextRef="I_IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeeting1">Both</in-capmkt:ModeOfMeetingOrCallOrConferenceOrEventForIntimation><in-capmkt:AgendaOrReasonForMeetingOrCallOrConferenceOrEventForIntimation contextRef="I_IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeeting1">Further to our letter dated October 28, 2026, we wish to inform you that due to a material development in the Group, for which the intimation under Regulation 30 has been separately disclosed, the Company will not be holding Earnings Conference Call scheduled for Monday, November 02, 2026 at 10:00AM (IST).
Further, the Company will be attending an in-person investors group meeting, hosted by Ambit Capital to address the announcement made for the execution of the definitive agreement with regards to the acquisition of Perion Network Ltd. by the Step-down Subsidiary of the Company.</in-capmkt:AgendaOrReasonForMeetingOrCallOrConferenceOrEventForIntimation><in-capmkt:WeblinkOfMeetingOrCallOrConferenceOrEventForIntimation contextRef="I_IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeeting1">https://ambit-co.zoom.us/webinar/register/WN__fo5yjyJQni33TL_DRZZfQ</in-capmkt:WeblinkOfMeetingOrCallOrConferenceOrEventForIntimation><in-capmkt:DialInNumbersForMeetingOrCallOrConferenceOrEventForIntimation contextRef="I_IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeeting1">Webinar ID: 960 5034 9641</in-capmkt:DialInNumbersForMeetingOrCallOrConferenceOrEventForIntimation><in-capmkt:NameOfContactPersonForIntimation contextRef="I_IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeeting1">Harshit Talesara</in-capmkt:NameOfContactPersonForIntimation><in-capmkt:ContactDetailsOfContactPersonForIntimation contextRef="I_IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeeting1">0124-4598749</in-capmkt:ContactDetailsOfContactPersonForIntimation><in-capmkt:EmailIDOfContactPersonForIntimation contextRef="I_IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeeting1">investor.relations@affle.com</in-capmkt:EmailIDOfContactPersonForIntimation><in-capmkt:WhetherIntimationOfMeetingIncludesPresentation contextRef="I_IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeeting1">false</in-capmkt:WhetherIntimationOfMeetingIncludesPresentation></xbrli:xbrl>