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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">532648</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2026-09-02</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="I_OutcomeOfAnalystsOrInstitutionalInvestorsMeeting1"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">532648</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2026-09-02</xbrli:instant></xbrli:period><xbrli:scenario><xbrldi:typedMember dimension="in-capmkt:OutcomeOfAnalystsOrInstitutionalInvestorsMeetingAxis"><in-capmkt:OutcomeOfAnalystsOrInstitutionalInvestorsMeetingDomain>OutcomeOfAnalystsOrInstitutionalInvestorsMeetingDomain1</in-capmkt:OutcomeOfAnalystsOrInstitutionalInvestorsMeetingDomain></xbrldi:typedMember></xbrli:scenario></xbrli:context><in-capmkt:NSESymbol contextRef="MainI">YESBANK</in-capmkt:NSESymbol><in-capmkt:NameOfTheCompany contextRef="MainI">YES Bank Limited</in-capmkt:NameOfTheCompany><in-capmkt:ScripCode contextRef="MainI">532648</in-capmkt:ScripCode><in-capmkt:MSEISymbol contextRef="MainI">NOTLISTED</in-capmkt:MSEISymbol><in-capmkt:ISIN contextRef="MainI">INE528G01035</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">Outcome</in-capmkt:StageOfMeetingOrCallOrConferenceOrEvent><in-capmkt:DateOfReport contextRef="MainI">2026-09-02</in-capmkt:DateOfReport><in-capmkt:TypeOfMeetingForWhichOutcomeIsProvided contextRef="I_OutcomeOfAnalystsOrInstitutionalInvestorsMeeting1">Institutional Investor Meet</in-capmkt:TypeOfMeetingForWhichOutcomeIsProvided><in-capmkt:WhetherPriorIntimationOrScheduleOfMeetingOrCallOrConferenceOrEventWasDisclosedForOutcome contextRef="I_OutcomeOfAnalystsOrInstitutionalInvestorsMeeting1">true</in-capmkt:WhetherPriorIntimationOrScheduleOfMeetingOrCallOrConferenceOrEventWasDisclosedForOutcome><in-capmkt:DateOfPriorIntimationOrScheduleOfMeetingOrCallOrConferenceOrEventWasDisclosedForOutcome contextRef="I_OutcomeOfAnalystsOrInstitutionalInvestorsMeeting1">2026-09-01</in-capmkt:DateOfPriorIntimationOrScheduleOfMeetingOrCallOrConferenceOrEventWasDisclosedForOutcome><in-capmkt:WhetherUnpublishedPriceSensitiveInformationSharedInMeetingOrCallOrConferenceOrEvent contextRef="I_OutcomeOfAnalystsOrInstitutionalInvestorsMeeting1">false</in-capmkt:WhetherUnpublishedPriceSensitiveInformationSharedInMeetingOrCallOrConferenceOrEvent><in-capmkt:WhetherOutcomeOfMeetingIncludesPresentation contextRef="I_OutcomeOfAnalystsOrInstitutionalInvestorsMeeting1">false</in-capmkt:WhetherOutcomeOfMeetingIncludesPresentation><in-capmkt:RemarksForWebsiteDisseminationForOutcomeOfMeeting contextRef="MainI">Please find attached the names of the Instiutional Investors who attended the "ASHWAMEDH - ELARA INDIA DIALOGUE 2026" from 10:00 am to 04:00 pm , physically :  &lt;br /&gt; 
 &lt;br /&gt; 
1) ASK Asset Management Pvt Ltd - 10:00 AM – 11:00 AM (1X1 Meeting) &lt;br /&gt; 
2) Axis Asset Management Company Ltd -11:00 AM - 12:00 PM (1X1 Meeting) &lt;br /&gt; 
3) Dymon Asia Capital Investment Adviser (India) Pvt Ltd - 12:00 PM - 01:00 PM (1X1 Meeting) &lt;br /&gt; 
4) HDFC Life Insurance Company Ltd - 01:00 PM - 02:00 PM (1X1 Meeting) &lt;br /&gt; 
5) Goldman Sachs Asset Management (India) Pvt. Ltd - 02:00 PM - 03:00 PM (1X1 Meeting) &lt;br /&gt; 
6) The Following investors attended the Group Meeting  (03:00 PM – 04:00 PM)	 &lt;br /&gt; 
    1) 3P Investment Managers Pvt Ltd   &lt;br /&gt; 
     2) Aditya Birla Sun Life Pension Fund Management Ltd &lt;br /&gt; 
     3) Ageas Federal Life Insurance Company Ltd &lt;br /&gt; 
     4) Alchemy Capital Management Pvt Ltd &lt;br /&gt; 
     5) Bajaj Life Insurance Ltd &lt;br /&gt; 
     6) Bajaj Mutual Fund &lt;br /&gt; 
     7) Edelweiss Asset Management Ltd &lt;br /&gt; 
     8) Indusind Nippon Life Insurance Company Ltd &lt;br /&gt; 
     9) Kotak Mahindra Asset Management Company Ltd &lt;br /&gt; 
    10) Purnartha Investment Advisers Pvt Ltd &lt;br /&gt; 
    11) SBI Pension Funds Pvt Ltd &lt;br /&gt; 
    12) Subhkam Ventures (India) Pvt Ltd &lt;br /&gt; 
    13) Tara Capital Partners India Pvt Ltd &lt;br /&gt; 
    14) Valueattics Reinsurance Ltd &lt;br /&gt; 
    15) Elara Securities (India) Pvt Ltd &lt;br /&gt; 
 &lt;br /&gt; 
No Unpublished Price Sensitive Information was shared during the meeting(s)/call(s). &lt;br /&gt; 
 &lt;br /&gt; 
YES Bank Limited had submitted to the Stock Exchange(s) on August 25, 2026, an advance intimation of “ASHWAMEDH - ELARA INDIA DIALOGUE 2026” in terms of Regulation 30 read with Schedule III of Listing Regulations (disclosure letter bearing Ref: YBL/CS/2026-27/85 dated August 25, 2026) &lt;br /&gt; 
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