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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">538446</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2026-06-02</xbrli:instant></xbrli:period></xbrli:context><in-capmkt:NSESymbol contextRef="MainI">MONEYBOXX</in-capmkt:NSESymbol><in-capmkt:NameOfTheCompany contextRef="MainI">MONEYBOXX FINANCE LIMITED</in-capmkt:NameOfTheCompany><in-capmkt:ScripCode contextRef="MainI">538446</in-capmkt:ScripCode><in-capmkt:MSEISymbol contextRef="MainI">NOTLISTED</in-capmkt:MSEISymbol><in-capmkt:ISIN contextRef="MainI">INE296Q01012</in-capmkt:ISIN><in-capmkt:TypeOfAnnouncement contextRef="MainI">New</in-capmkt:TypeOfAnnouncement><in-capmkt:PurposeOfDisclosure contextRef="MainI">Transcripts - earnings or quarterly calls</in-capmkt:PurposeOfDisclosure><in-capmkt:DateOfReport contextRef="MainI">2026-06-02</in-capmkt:DateOfReport><in-capmkt:DateOfCallForTranscriptsOfEarningsOrQuarterlyCalls contextRef="MainI">2026-05-29</in-capmkt:DateOfCallForTranscriptsOfEarningsOrQuarterlyCalls><in-capmkt:TimeOfConclusionOfCallForTranscriptsOfEarningsOrQuarterlyCalls contextRef="MainI">12:44:00</in-capmkt:TimeOfConclusionOfCallForTranscriptsOfEarningsOrQuarterlyCalls><in-capmkt:DateOfDisclosureOfPriorIntimationOfEarningsOrQuarterlyCallsToTheExchange contextRef="MainI">2026-05-25</in-capmkt:DateOfDisclosureOfPriorIntimationOfEarningsOrQuarterlyCallsToTheExchange><in-capmkt:DateOfTranscriptsUploadedOnWebsiteOfTheCompany contextRef="MainI">2026-06-02</in-capmkt:DateOfTranscriptsUploadedOnWebsiteOfTheCompany><in-capmkt:TimeOfTranscriptsUploadedOnWebsiteOfTheCompany contextRef="MainI">12:15:00</in-capmkt:TimeOfTranscriptsUploadedOnWebsiteOfTheCompany><in-capmkt:WeblinkOfTranscripts contextRef="MainI">https://moneyboxxfinance.com/storage/files/disclosures-under-regulation-30/1780382748_file.pdf</in-capmkt:WeblinkOfTranscripts><in-capmkt:RemarksForWebsiteDisseminationForTranscripts contextRef="MainI">On the date of filing of disclosure of prior intimation i.e. on May 25, 2026, the XBRL utility was not generated by the Exchanges. Hence only PDF disclosure was made.</in-capmkt:RemarksForWebsiteDisseminationForTranscripts></xbrli:xbrl>