<?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">540611</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2026-07-25</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="I_OutcomeOfAnalystsOrInstitutionalInvestorsMeeting1"><xbrli:entity><xbrli:identifier scheme="http://www.sebi.gov.in/in-capmkt/ScripCode">540611</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2026-07-25</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">AUBANK</in-capmkt:NSESymbol><in-capmkt:NameOfTheCompany contextRef="MainI">AU SMALL FINANCE BANK LIMITED</in-capmkt:NameOfTheCompany><in-capmkt:ScripCode contextRef="MainI">540611</in-capmkt:ScripCode><in-capmkt:MSEISymbol contextRef="MainI">NOTLISTED</in-capmkt:MSEISymbol><in-capmkt:ISIN contextRef="MainI">INE949L01017</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">2026-07-25</in-capmkt:DateOfReport><in-capmkt:TypeOfMeetingForWhichOutcomeIsProvided contextRef="I_OutcomeOfAnalystsOrInstitutionalInvestorsMeeting1">Earning/Quarterly Calls</in-capmkt:TypeOfMeetingForWhichOutcomeIsProvided><in-capmkt:WhetherPriorIntimationOrScheduleOfMeetingOrCallOrConferenceOrEventWasDisclosedForOutcome contextRef="I_OutcomeOfAnalystsOrInstitutionalInvestorsMeeting1">true</in-capmkt:WhetherPriorIntimationOrScheduleOfMeetingOrCallOrConferenceOrEventWasDisclosedForOutcome><in-capmkt:DateOfPriorIntimationOrScheduleOfMeetingOrCallOrConferenceOrEventWasDisclosedForOutcome contextRef="I_OutcomeOfAnalystsOrInstitutionalInvestorsMeeting1">2026-07-25</in-capmkt:DateOfPriorIntimationOrScheduleOfMeetingOrCallOrConferenceOrEventWasDisclosedForOutcome><in-capmkt:WhetherUnpublishedPriceSensitiveInformationSharedInMeetingOrCallOrConferenceOrEvent contextRef="I_OutcomeOfAnalystsOrInstitutionalInvestorsMeeting1">false</in-capmkt:WhetherUnpublishedPriceSensitiveInformationSharedInMeetingOrCallOrConferenceOrEvent><in-capmkt:QuarterForWhichEarningsOrQuarterlyCallIsHeldForOutcome contextRef="I_OutcomeOfAnalystsOrInstitutionalInvestorsMeeting1">Q1 Results</in-capmkt:QuarterForWhichEarningsOrQuarterlyCallIsHeldForOutcome><in-capmkt:WhetherOutcomeOfMeetingIncludesPresentation contextRef="I_OutcomeOfAnalystsOrInstitutionalInvestorsMeeting1">true</in-capmkt:WhetherOutcomeOfMeetingIncludesPresentation><in-capmkt:RemarksForWebsiteDisseminationForOutcomeOfMeeting contextRef="MainI">In continuation to our intimation for conference call vide letter dated July 14, 2026, we submit herewith Investors Presentation on Unaudited Financial Results of the Bank for the quarter ended on June 30, 2026.  &lt;br /&gt; 
 &lt;br /&gt; 
Investors Presentation may also be accessed on website of the Bank at following link: https://www.au.bank.in/investors/quarterly-reports. &lt;br /&gt; 
</in-capmkt:RemarksForWebsiteDisseminationForOutcomeOfMeeting></xbrli:xbrl>
