<?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/NSESymbol">UCOBANK</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2026-07-23</xbrli:instant></xbrli:period></xbrli:context><in-capmkt:NSESymbol contextRef="MainI">UCOBANK</in-capmkt:NSESymbol><in-capmkt:NameOfTheCompany contextRef="MainI">UCO Bank</in-capmkt:NameOfTheCompany><in-capmkt:ScripCode contextRef="MainI">532505</in-capmkt:ScripCode><in-capmkt:MSEISymbol contextRef="MainI">NOTLISTED</in-capmkt:MSEISymbol><in-capmkt:ISIN contextRef="MainI">INE691A01018</in-capmkt:ISIN><in-capmkt:TypeOfAnnouncement contextRef="MainI">New</in-capmkt:TypeOfAnnouncement><in-capmkt:PurposeOfDisclosure contextRef="MainI">Audio Recording/Video Recording</in-capmkt:PurposeOfDisclosure><in-capmkt:DateOfReport contextRef="MainI">2026-07-23</in-capmkt:DateOfReport><in-capmkt:TypeOfAudioRecordingOrVideoRecording contextRef="MainI">Video Recording</in-capmkt:TypeOfAudioRecordingOrVideoRecording><in-capmkt:DateOfCallForVideoRecording contextRef="MainI">2026-07-23</in-capmkt:DateOfCallForVideoRecording><in-capmkt:TimeOfConclusionOfCallForVideoRecording contextRef="MainI">16:15:00</in-capmkt:TimeOfConclusionOfCallForVideoRecording><in-capmkt:DateOfDisclosureOfPriorIntimationOfEarningsCallToTheExchangeForVideoRecording contextRef="MainI">2026-07-16</in-capmkt:DateOfDisclosureOfPriorIntimationOfEarningsCallToTheExchangeForVideoRecording><in-capmkt:DateOfVideoRecordingUploadedOnWebsiteOfCompany contextRef="MainI">2026-07-23</in-capmkt:DateOfVideoRecordingUploadedOnWebsiteOfCompany><in-capmkt:TimeOfVideoRecordingUploadedOnWebsiteOfCompany contextRef="MainI">18:30:00</in-capmkt:TimeOfVideoRecordingUploadedOnWebsiteOfCompany><in-capmkt:WeblinkOfVideoRecording contextRef="MainI">https://uco.bank.in/2026-27-quarter-1</in-capmkt:WeblinkOfVideoRecording></xbrli:xbrl>