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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">500878</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2026-08-10</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="I_IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeeting1"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">500878</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2026-08-10</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><xbrli:context id="I_IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeeting2"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">500878</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2026-08-10</xbrli:instant></xbrli:period><xbrli:scenario><xbrldi:typedMember dimension="in-capmkt:IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeetingAxis"><in-capmkt:IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeetingDomain>IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeetingDomain2</in-capmkt:IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeetingDomain></xbrldi:typedMember></xbrli:scenario></xbrli:context><in-capmkt:NSESymbol contextRef="MainI">CEATLTD</in-capmkt:NSESymbol><in-capmkt:NameOfTheCompany contextRef="MainI">CEAT LIMITED</in-capmkt:NameOfTheCompany><in-capmkt:ScripCode contextRef="MainI">500878</in-capmkt:ScripCode><in-capmkt:MSEISymbol contextRef="MainI">NOTLISTED</in-capmkt:MSEISymbol><in-capmkt:ISIN contextRef="MainI">INE482A01020</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:DateOfReport contextRef="MainI">2026-08-10</in-capmkt:DateOfReport><in-capmkt:TypeOfMeetingForWhichIntimationIsGiven contextRef="I_IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeeting1">Institutional Investor Meet</in-capmkt:TypeOfMeetingForWhichIntimationIsGiven><in-capmkt:DateOfMeetingOrCallOrConferenceOrEventForIntimation contextRef="I_IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeeting1">2026-08-13</in-capmkt:DateOfMeetingOrCallOrConferenceOrEventForIntimation><in-capmkt:TimeOfCommencementOfMeetingOrCallOrConferenceOrEventForIntimation contextRef="I_IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeeting1">09:00:00</in-capmkt:TimeOfCommencementOfMeetingOrCallOrConferenceOrEventForIntimation><in-capmkt:NameOfMeetingOrCallOrConferenceOrEventForIntimation contextRef="I_IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeeting1">Equirus Annual India Conference’26</in-capmkt:NameOfMeetingOrCallOrConferenceOrEventForIntimation><in-capmkt:PlaceOfMeetingOrCallOrConferenceOrEventForIntimation contextRef="I_IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeeting1">Mumbai</in-capmkt:PlaceOfMeetingOrCallOrConferenceOrEventForIntimation><in-capmkt:NameOfTheFundOrCompanyOfAnalystOrInstitutionalInvestorWithWhomTheMeetingIsScheduledForIntimation contextRef="I_IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeeting1">SBI MF
Aditya Birla MF
Edelweiss AMC
Kotak Group
Axis MF
Bandhan MF
Canara Robeco Mutual Fund
Invesco Asset Management 
JM Mutual Fund 
Mahindra Manulife MF 
Old Bridge Capital 
Omkara Capital 
Spark PMS 
IKIGAI Asset Manager Holdings Pvt. Ltd. 
Compounding AMC
IwealthIndia 
Ardeko</in-capmkt:NameOfTheFundOrCompanyOfAnalystOrInstitutionalInvestorWithWhomTheMeetingIsScheduledForIntimation><in-capmkt:NameOfAnalystOrInstitutionalInvestorWithWhomTheMeetingIsScheduledForIntimation contextRef="I_IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeeting1">SBI MF - Mr. Bhavin Vithlani (FM),
Aditya Birla MF - Achala Kanitkar (Sr. Analyst),
Edelweiss AMC - Ashish Sood (Asst Fund Manager &amp; Analyst),
Edelweiss AMC - Dhruv Bhatia (Fund Manager),
Kotak Group - Pranav Furia (Analyst),
Axis MF - Rakeshkumar Jain (Analyst),
Bandhan MF - Suraj Chheda (Analyst), 
Canara Robeco Mutual Fund - Aashin Modi (Analyst)
Invesco Asset Management - Nikhil Kale (Fund Manager),
JM Mutual Fund - Akhand Singh (Analyst),
Mahindra Manulife MF - Navin Matta (FM), 
Old Bridge Capital - Aditya Kumar (analyst),
Omkara Capital - Devesh Kayal (Co-FM), 
Spark PMS - Laveena Jagwani (Analyst), 
IKIGAI Asset Manager Holdings Pvt. Ltd. - Nihaar Shah (Analyst), Compounding AMC - Niket Shah (Fund Manager ), 
IwealthIndia - Sheetal (Analyst), 
Ardeko - Jaymin Shah (Analyst)</in-capmkt:NameOfAnalystOrInstitutionalInvestorWithWhomTheMeetingIsScheduledForIntimation><in-capmkt:DesignationOfPersonWithWhomTheMeetingIsScheduledForIntimation contextRef="I_IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeeting1">SBI MF - Mr. Bhavin Vithlani (FM),
Aditya Birla MF - Achala Kanitkar (Sr. Analyst),
Edelweiss AMC - Ashish Sood (Asst Fund Manager &amp; Analyst),
Edelweiss AMC - Dhruv Bhatia (Fund Manager),
Kotak Group - Pranav Furia (Analyst),
Axis MF - Rakeshkumar Jain (Analyst),
Bandhan MF - Suraj Chheda (Analyst), 
Canara Robeco Mutual Fund - Aashin Modi (Analyst)
Invesco Asset Management - Nikhil Kale (Fund Manager),
JM Mutual Fund - Akhand Singh (Analyst),
Mahindra Manulife MF - Navin Matta (FM), 
Old Bridge Capital - Aditya Kumar (analyst),
Omkara Capital - Devesh Kayal (Co-FM), 
Spark PMS - Laveena Jagwani (Analyst), 
IKIGAI Asset Manager Holdings Pvt. Ltd. - Nihaar Shah (Analyst), Compounding AMC - Niket Shah (Fund Manager ), 
IwealthIndia - Sheetal (Analyst), 
Ardeko - Jaymin Shah (Analyst)</in-capmkt:DesignationOfPersonWithWhomTheMeetingIsScheduledForIntimation><in-capmkt:NameOfHostOfMeetingOrCallOrConferenceOrEventForIntimation contextRef="I_IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeeting1">Equirus Securities</in-capmkt:NameOfHostOfMeetingOrCallOrConferenceOrEventForIntimation><in-capmkt:TypeOfMeetingOrCallOrConferenceOrEventForIntimation contextRef="I_IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeeting1">Group Meeting</in-capmkt:TypeOfMeetingOrCallOrConferenceOrEventForIntimation><in-capmkt:ModeOfMeetingOrCallOrConferenceOrEventForIntimation contextRef="I_IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeeting1">In-person/Physical</in-capmkt:ModeOfMeetingOrCallOrConferenceOrEventForIntimation><in-capmkt:AgendaOrReasonForMeetingOrCallOrConferenceOrEventForIntimation contextRef="I_IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeeting1">Interaction with Investors</in-capmkt:AgendaOrReasonForMeetingOrCallOrConferenceOrEventForIntimation><in-capmkt:WeblinkOfMeetingOrCallOrConferenceOrEventForIntimation contextRef="I_IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeeting1">Not applicable</in-capmkt:WeblinkOfMeetingOrCallOrConferenceOrEventForIntimation><in-capmkt:NameOfContactPersonForIntimation contextRef="I_IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeeting1">Suyash Patwari</in-capmkt:NameOfContactPersonForIntimation><in-capmkt:ContactDetailsOfContactPersonForIntimation contextRef="I_IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeeting1">8657943784</in-capmkt:ContactDetailsOfContactPersonForIntimation><in-capmkt:EmailIDOfContactPersonForIntimation contextRef="I_IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeeting1">investors@ceat.com</in-capmkt:EmailIDOfContactPersonForIntimation><in-capmkt:WhetherIntimationOfMeetingIncludesPresentation contextRef="I_IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeeting1">false</in-capmkt:WhetherIntimationOfMeetingIncludesPresentation><in-capmkt:TypeOfMeetingForWhichIntimationIsGiven contextRef="I_IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeeting2">Institutional Investor Meet</in-capmkt:TypeOfMeetingForWhichIntimationIsGiven><in-capmkt:DateOfMeetingOrCallOrConferenceOrEventForIntimation contextRef="I_IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeeting2">2026-08-13</in-capmkt:DateOfMeetingOrCallOrConferenceOrEventForIntimation><in-capmkt:TimeOfCommencementOfMeetingOrCallOrConferenceOrEventForIntimation contextRef="I_IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeeting2">12:00:00</in-capmkt:TimeOfCommencementOfMeetingOrCallOrConferenceOrEventForIntimation><in-capmkt:NameOfMeetingOrCallOrConferenceOrEventForIntimation contextRef="I_IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeeting2">Emkay Confluence 2026</in-capmkt:NameOfMeetingOrCallOrConferenceOrEventForIntimation><in-capmkt:PlaceOfMeetingOrCallOrConferenceOrEventForIntimation contextRef="I_IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeeting2">Mumbai</in-capmkt:PlaceOfMeetingOrCallOrConferenceOrEventForIntimation><in-capmkt:NameOfTheFundOrCompanyOfAnalystOrInstitutionalInvestorWithWhomTheMeetingIsScheduledForIntimation contextRef="I_IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeeting2">Axis Mutual Fund
Baroda BNP Mutual Fund
Edelweiss Mutual Fund
Bandhan Mutual Fund
IIFL Capital
Kotak Life Insurance
Kotak Mahindra Asset Management Company
Invesco Asset Management
Tata AIA Life Insurance
Tata Asset Management Ltd
Tata Investment Corporation Ltd
AXIS ASSET MANAGEMENT (PMS)
Motilal Oswal Mutual Fund
Steinberg India Opportunities Fund
Mahindra Manulife Investment Management
Pinpoint Funds
Carnelian Capital
Emkay FPI
Incred AMC
Equitree Capital Advisors Private Limited
Spark Family Office and Investment Advisors
Svan IM
BTH Capital
IndusInd Nippon Life
Vedant Capital
Dempos
Bandhan Life</in-capmkt:NameOfTheFundOrCompanyOfAnalystOrInstitutionalInvestorWithWhomTheMeetingIsScheduledForIntimation><in-capmkt:NameOfAnalystOrInstitutionalInvestorWithWhomTheMeetingIsScheduledForIntimation contextRef="I_IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeeting2">Rakesh Jain (Axis Mutual Fund)
Rohan Kodre (Baroda BNP Mutual Fund)
Kushant Arora (Baroda BNP Mutual Fund)
Mayan Pahwa (Edelweiss Mutual Fund)
Suraj Chheda (Bandhan Mutual Fund)
Bhaskar Bukrediwala (IIFL Capital)
Vineet Bothra (IIFL Capital)
Amber Shukla (Kotak Life Insurance)
Pranav Furia (Kotak Mahindra Asset Management Company)
Manish Poddar (Invesco Asset Management)
Rajeev Tewari (Tata AIA Life Insurance)
Nitin Bansal (Tata AIA Life Insurance)
Sonam Udasi (Tata Asset Management Ltd)
Suraj Nanda (Tata Asset Management Ltd)
Vaibhav Goyal (Tata Investment Corporation Ltd)
Hitesh Zaveri (AXIS ASSET MANAGEMENT (PMS))
Hrushikesh Desai (Motilal Oswal Mutual Fund)
Saket Narang (Steinberg India Opportunities Fund)
Kirti Dalvi (Mahindra Manulife Investment Management)
Vibhor Gupta (Pinpoint Funds)
Aman Agrawal (Carnelian Capital)
Sangeet Lakkar (Emkay FPI)
Preet Pitani (Incred AMC)
Vinit Pokharna (Equitree Capital Advisors Private Limited)
Laveena Jagwani (Spark Family Office and Investment Advisors)
Jigar Shah (Svan IM)
Rajas (BTH Capital)
Nishant Chowhan (IndusInd Nippon Life)
Ankit Gupta (Vedant Capital)
Pulkit Agarwal (Vedant Capital)
Abhimanyu Sofat (Dempos)
Keyur Shah (Bandhan Life)</in-capmkt:NameOfAnalystOrInstitutionalInvestorWithWhomTheMeetingIsScheduledForIntimation><in-capmkt:DesignationOfPersonWithWhomTheMeetingIsScheduledForIntimation contextRef="I_IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeeting2">Rakesh Jain (Axis Mutual Fund)
Rohan Kodre (Baroda BNP Mutual Fund)
Kushant Arora (Baroda BNP Mutual Fund)
Mayan Pahwa (Edelweiss Mutual Fund)
Suraj Chheda (Bandhan Mutual Fund)
Bhaskar Bukrediwala (IIFL Capital)
Vineet Bothra (IIFL Capital)
Amber Shukla (Kotak Life Insurance)
Pranav Furia (Kotak Mahindra Asset Management Company)
Manish Poddar (Invesco Asset Management)
Rajeev Tewari (Tata AIA Life Insurance)
Nitin Bansal (Tata AIA Life Insurance)
Sonam Udasi (Tata Asset Management Ltd)
Suraj Nanda (Tata Asset Management Ltd)
Vaibhav Goyal (Tata Investment Corporation Ltd)
Hitesh Zaveri (AXIS ASSET MANAGEMENT (PMS))
Hrushikesh Desai (Motilal Oswal Mutual Fund)
Saket Narang (Steinberg India Opportunities Fund)
Kirti Dalvi (Mahindra Manulife Investment Management)
Vibhor Gupta (Pinpoint Funds)
Aman Agrawal (Carnelian Capital)
Sangeet Lakkar (Emkay FPI)
Preet Pitani (Incred AMC)
Vinit Pokharna (Equitree Capital Advisors Private Limited)
Laveena Jagwani (Spark Family Office and Investment Advisors)
Jigar Shah (Svan IM)
Rajas (BTH Capital)
Nishant Chowhan (IndusInd Nippon Life)
Ankit Gupta (Vedant Capital)
Pulkit Agarwal (Vedant Capital)
Abhimanyu Sofat (Dempos)
Keyur Shah (Bandhan Life)</in-capmkt:DesignationOfPersonWithWhomTheMeetingIsScheduledForIntimation><in-capmkt:NameOfHostOfMeetingOrCallOrConferenceOrEventForIntimation contextRef="I_IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeeting2">Emkay Global</in-capmkt:NameOfHostOfMeetingOrCallOrConferenceOrEventForIntimation><in-capmkt:TypeOfMeetingOrCallOrConferenceOrEventForIntimation contextRef="I_IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeeting2">Group Meeting</in-capmkt:TypeOfMeetingOrCallOrConferenceOrEventForIntimation><in-capmkt:ModeOfMeetingOrCallOrConferenceOrEventForIntimation contextRef="I_IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeeting2">In-person/Physical</in-capmkt:ModeOfMeetingOrCallOrConferenceOrEventForIntimation><in-capmkt:AgendaOrReasonForMeetingOrCallOrConferenceOrEventForIntimation contextRef="I_IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeeting2">Interaction with Investors</in-capmkt:AgendaOrReasonForMeetingOrCallOrConferenceOrEventForIntimation><in-capmkt:WeblinkOfMeetingOrCallOrConferenceOrEventForIntimation contextRef="I_IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeeting2">Not applicable</in-capmkt:WeblinkOfMeetingOrCallOrConferenceOrEventForIntimation><in-capmkt:NameOfContactPersonForIntimation contextRef="I_IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeeting2">Suyash Patwari</in-capmkt:NameOfContactPersonForIntimation><in-capmkt:ContactDetailsOfContactPersonForIntimation contextRef="I_IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeeting2">8657943784</in-capmkt:ContactDetailsOfContactPersonForIntimation><in-capmkt:EmailIDOfContactPersonForIntimation contextRef="I_IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeeting2">investors@ceat.com</in-capmkt:EmailIDOfContactPersonForIntimation><in-capmkt:WhetherIntimationOfMeetingIncludesPresentation contextRef="I_IntimationOrScheduleOfAnalystsOrInstitutionalInvestorsMeeting2">false</in-capmkt:WhetherIntimationOfMeetingIncludesPresentation><in-capmkt:RemarksForWebsiteDisseminationForIntimationOfMeeting contextRef="MainI">The nature of the meeting includes Group Meeting/ One-on-one meeting</in-capmkt:RemarksForWebsiteDisseminationForIntimationOfMeeting></xbrli:xbrl>
