<?xml version="1.0" encoding="UTF-8"?>
<!--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">532539</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2026-11-02</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="I_RescheduleOfAnalystsOrInstitutionalInvestorsMeeting1"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">532539</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2026-11-02</xbrli:instant></xbrli:period><xbrli:scenario><xbrldi:typedMember dimension="in-capmkt:RescheduleOfAnalystsOrInstitutionalInvestorsMeetingAxis"><in-capmkt:RescheduleOfAnalystsOrInstitutionalInvestorsMeetingDomain>RescheduleOfAnalystsOrInstitutionalInvestorsMeetingDomain1</in-capmkt:RescheduleOfAnalystsOrInstitutionalInvestorsMeetingDomain></xbrldi:typedMember></xbrli:scenario></xbrli:context><in-capmkt:NSESymbol contextRef="MainI">UNOMINDA</in-capmkt:NSESymbol><in-capmkt:NameOfTheCompany contextRef="MainI">UNO MINDA LIMITED</in-capmkt:NameOfTheCompany><in-capmkt:ScripCode contextRef="MainI">532539</in-capmkt:ScripCode><in-capmkt:MSEISymbol contextRef="MainI">NOTLISTED</in-capmkt:MSEISymbol><in-capmkt:ISIN contextRef="MainI">INE405E01023</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">Reschedule</in-capmkt:StageOfMeetingOrCallOrConferenceOrEvent><in-capmkt:DateOfReport contextRef="MainI">2026-11-02</in-capmkt:DateOfReport><in-capmkt:TypeOfMeetingForWhichReschedulingIsDone contextRef="I_RescheduleOfAnalystsOrInstitutionalInvestorsMeeting1">Earning/Quarterly Calls</in-capmkt:TypeOfMeetingForWhichReschedulingIsDone><in-capmkt:WhetherPriorIntimationOrScheduleOfMeetingOrCallOrConferenceOrEventWasDisclosedForReschedule contextRef="I_RescheduleOfAnalystsOrInstitutionalInvestorsMeeting1">true</in-capmkt:WhetherPriorIntimationOrScheduleOfMeetingOrCallOrConferenceOrEventWasDisclosedForReschedule><in-capmkt:DateOfPriorIntimationOrScheduleOfMeetingOrCallOrConferenceOrEventWasDisclosedForReschedule contextRef="I_RescheduleOfAnalystsOrInstitutionalInvestorsMeeting1">2026-10-26</in-capmkt:DateOfPriorIntimationOrScheduleOfMeetingOrCallOrConferenceOrEventWasDisclosedForReschedule><in-capmkt:DateOfMeetingOrCallOrConferenceOrEventForReschedule contextRef="I_RescheduleOfAnalystsOrInstitutionalInvestorsMeeting1">2026-11-05</in-capmkt:DateOfMeetingOrCallOrConferenceOrEventForReschedule><in-capmkt:TimeOfCommencementOfMeetingOrCallOrConferenceOrEventForReschedule contextRef="I_RescheduleOfAnalystsOrInstitutionalInvestorsMeeting1">15:30:00</in-capmkt:TimeOfCommencementOfMeetingOrCallOrConferenceOrEventForReschedule><in-capmkt:NameOfMeetingOrCallOrConferenceOrEventForReschedule contextRef="I_RescheduleOfAnalystsOrInstitutionalInvestorsMeeting1">Earnings conference call for quarter and half year ended September 30, 2026</in-capmkt:NameOfMeetingOrCallOrConferenceOrEventForReschedule><in-capmkt:PlaceOfMeetingOrCallOrConferenceOrEventForReschedule contextRef="I_RescheduleOfAnalystsOrInstitutionalInvestorsMeeting1">Over call/Virtual</in-capmkt:PlaceOfMeetingOrCallOrConferenceOrEventForReschedule><in-capmkt:NameOfTheFundOrCompanyOfAnalystOrInstitutionalInvestorWithWhomTheMeetingIsScheduledForReschedule contextRef="I_RescheduleOfAnalystsOrInstitutionalInvestorsMeeting1">All present and potential investors</in-capmkt:NameOfTheFundOrCompanyOfAnalystOrInstitutionalInvestorWithWhomTheMeetingIsScheduledForReschedule><in-capmkt:NameOfAnalystOrInstitutionalInvestorWithWhomTheMeetingIsScheduledForReschedule contextRef="I_RescheduleOfAnalystsOrInstitutionalInvestorsMeeting1">All present and potential investors</in-capmkt:NameOfAnalystOrInstitutionalInvestorWithWhomTheMeetingIsScheduledForReschedule><in-capmkt:DesignationOfPersonWithWhomTheMeetingIsScheduledForReschedule contextRef="I_RescheduleOfAnalystsOrInstitutionalInvestorsMeeting1">Not Applicable</in-capmkt:DesignationOfPersonWithWhomTheMeetingIsScheduledForReschedule><in-capmkt:NameOfHostOfMeetingOrCallOrConferenceOrEventForReschedule contextRef="I_RescheduleOfAnalystsOrInstitutionalInvestorsMeeting1">Strategic Growth Advisors Pvt. Ltd.</in-capmkt:NameOfHostOfMeetingOrCallOrConferenceOrEventForReschedule><in-capmkt:TypeOfMeetingOrCallOrConferenceOrEventForReschedule contextRef="I_RescheduleOfAnalystsOrInstitutionalInvestorsMeeting1">Others</in-capmkt:TypeOfMeetingOrCallOrConferenceOrEventForReschedule><in-capmkt:DetailsOfOtherTypeOfMeetingOrCallOrConferenceOrEventForReschedule contextRef="I_RescheduleOfAnalystsOrInstitutionalInvestorsMeeting1">Earnings/Quarterly calls</in-capmkt:DetailsOfOtherTypeOfMeetingOrCallOrConferenceOrEventForReschedule><in-capmkt:ModeOfMeetingOrCallOrConferenceOrEventForReschedule contextRef="I_RescheduleOfAnalystsOrInstitutionalInvestorsMeeting1">Virtual</in-capmkt:ModeOfMeetingOrCallOrConferenceOrEventForReschedule><in-capmkt:AgendaOrReasonForMeetingOrCallOrConferenceOrEventForReschedule contextRef="I_RescheduleOfAnalystsOrInstitutionalInvestorsMeeting1">To discuss the operational and financial performance for Q2 &amp; H1FY27</in-capmkt:AgendaOrReasonForMeetingOrCallOrConferenceOrEventForReschedule><in-capmkt:QuarterForWhichEarningsOrQuarterlyCallIsHeldForReschedule contextRef="I_RescheduleOfAnalystsOrInstitutionalInvestorsMeeting1">Q2 Results</in-capmkt:QuarterForWhichEarningsOrQuarterlyCallIsHeldForReschedule><in-capmkt:WeblinkOfMeetingOrCallOrConferenceOrEventForReschedule contextRef="I_RescheduleOfAnalystsOrInstitutionalInvestorsMeeting1">https://services.choruscall.in/DiamondPassRegistration/register?confirmationNumber=4923665&amp;linkSecurityString=2b512ea73a</in-capmkt:WeblinkOfMeetingOrCallOrConferenceOrEventForReschedule><in-capmkt:NameOfContactPersonForReschedule contextRef="I_RescheduleOfAnalystsOrInstitutionalInvestorsMeeting1">Jigar Kavaiya</in-capmkt:NameOfContactPersonForReschedule><in-capmkt:ContactDetailsOfContactPersonForReschedule contextRef="I_RescheduleOfAnalystsOrInstitutionalInvestorsMeeting1">9920602034</in-capmkt:ContactDetailsOfContactPersonForReschedule><in-capmkt:EmailIDOfContactPersonForReschedule contextRef="I_RescheduleOfAnalystsOrInstitutionalInvestorsMeeting1">jigar.kavaiya@sgapl.net</in-capmkt:EmailIDOfContactPersonForReschedule><in-capmkt:WhetherRescheduleOfMeetingIncludesPresentation contextRef="I_RescheduleOfAnalystsOrInstitutionalInvestorsMeeting1">false</in-capmkt:WhetherRescheduleOfMeetingIncludesPresentation><in-capmkt:RemarksForWebsiteDisseminationForRescheduleOfMeeting contextRef="MainI">The earnings call which was originally scheduled to be held on Thursday, November 05, 2026at 04:00 P.M. (IST) has been rescheduled and will now be held at 03:30 P.M. (IST) on the same date.</in-capmkt:RemarksForWebsiteDisseminationForRescheduleOfMeeting></xbrli:xbrl>
