﻿<?xml version="1.0" encoding="UTF-8"?>
<!--ICGIG-->
<xbrli:xbrl xmlns:in-capmkt="http://www.sebi.gov.in/xbrl/2024-12-31/in-capmkt" xmlns:in-capmkt-ent="http://www.sebi.gov.in/xbrl/IntegratedGovernance/2024-12-31/in-capmkt/in-capmkt-ent" xmlns:in-capmkt-roles="http://www.sebi.gov.in/xbrl/IntegratedGovernance/2024-12-31/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/2024-12-31/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-2024-12-31.xsd" />
  <xbrli:context id="MainD">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.bseindia.com/in-capmkt/MSEISymbol">RICHNRICH</xbrli:identifier>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2025-04-01</xbrli:startDate>
      <xbrli:endDate>2025-06-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="MainI">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.bseindia.com/in-capmkt/MSEISymbol">RICHNRICH</xbrli:identifier>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2025-06-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="PY_I">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.bseindia.com/in-capmkt/MSEISymbol">RICHNRICH</xbrli:identifier>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2025-03-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:unit id="pure">
    <xbrli:measure>xbrli:pure</xbrli:measure>
  </xbrli:unit>
  <in-capmkt:ScripCode contextRef="MainI">000000</in-capmkt:ScripCode>
  <in-capmkt:Symbol contextRef="MainI">NOTLISTED</in-capmkt:Symbol>
  <in-capmkt:MSEISymbol contextRef="MainI">RICHNRICH</in-capmkt:MSEISymbol>
  <in-capmkt:ISIN contextRef="MainI">INE01KG01013</in-capmkt:ISIN>
  <in-capmkt:NameOfTheCompany contextRef="MainI">Rich`N' Rich Finance and Holdings Limited</in-capmkt:NameOfTheCompany>
  <in-capmkt:DateOfStartOfFinancialYear contextRef="MainI">2025-04-01</in-capmkt:DateOfStartOfFinancialYear>
  <in-capmkt:DateOfEndOfFinancialYear contextRef="MainI">2026-03-31</in-capmkt:DateOfEndOfFinancialYear>
  <in-capmkt:ReportingQuarter contextRef="MainI">Quarterly</in-capmkt:ReportingQuarter>
  <in-capmkt:DateOfEndOfReportingPeriod contextRef="MainI">2025-06-30</in-capmkt:DateOfEndOfReportingPeriod>
  <in-capmkt:TypeOfCompany contextRef="MainD">Equity</in-capmkt:TypeOfCompany>
  <in-capmkt:WhetherPartAOfAnnexureIOfTheSEBICircularDated31December2024RelatedToComplianceReportOnCorporateGovernanceIsApplicableToTheEntity contextRef="MainD">false</in-capmkt:WhetherPartAOfAnnexureIOfTheSEBICircularDated31December2024RelatedToComplianceReportOnCorporateGovernanceIsApplicableToTheEntity>
  <in-capmkt:ReasonForPartAOfAnnexureIOfTheSEBICircularDated31December2024RelatedToComplianceReportOnCorporateGovernanceIsNotApplicableToTheEntity contextRef="MainD">NA</in-capmkt:ReasonForPartAOfAnnexureIOfTheSEBICircularDated31December2024RelatedToComplianceReportOnCorporateGovernanceIsNotApplicableToTheEntity>
  <in-capmkt:WhetherPartBOfAnnexureIOfTheSEBICircularDated31December2024RelatedToInvestorGrievanceRedressalReportIsApplicableToTheEntity contextRef="MainD">true</in-capmkt:WhetherPartBOfAnnexureIOfTheSEBICircularDated31December2024RelatedToInvestorGrievanceRedressalReportIsApplicableToTheEntity>
  <in-capmkt:WhetherPartCOfAnnexureIOfTheSEBICircularDated31December2024RelatedToDisclosureOfAcquisitionOfSharesOrVotingRightsInUnlistedCompaniesIsApplicableToTheEntity contextRef="MainD">false</in-capmkt:WhetherPartCOfAnnexureIOfTheSEBICircularDated31December2024RelatedToDisclosureOfAcquisitionOfSharesOrVotingRightsInUnlistedCompaniesIsApplicableToTheEntity>
  <in-capmkt:ReasonForPartCOfAnnexureIOfTheSEBICircularDated31December2024RelatedToDisclosureOfAcquisitionOfSharesOrVotingRightsInUnlistedCompaniesIsNotApplicableToTheEntity contextRef="MainD">NA</in-capmkt:ReasonForPartCOfAnnexureIOfTheSEBICircularDated31December2024RelatedToDisclosureOfAcquisitionOfSharesOrVotingRightsInUnlistedCompaniesIsNotApplicableToTheEntity>
  <in-capmkt:WhetherPartDOfAnnexureIOfTheSEBICircularDated31December2024RelatedToDisclosureOfImpositionOfFineOrPenaltyIsApplicableToTheEntity contextRef="MainD">false</in-capmkt:WhetherPartDOfAnnexureIOfTheSEBICircularDated31December2024RelatedToDisclosureOfImpositionOfFineOrPenaltyIsApplicableToTheEntity>
  <in-capmkt:ReasonForPartDOfAnnexureIOfTheSEBICircularDated31December2024RelatedToDisclosureOfImpositionOfFineOrPenaltyIsNotApplicableToTheEntity contextRef="MainD">NA</in-capmkt:ReasonForPartDOfAnnexureIOfTheSEBICircularDated31December2024RelatedToDisclosureOfImpositionOfFineOrPenaltyIsNotApplicableToTheEntity>
  <in-capmkt:WhetherPartEOfAnnexureIOfTheSEBICircularDated31December2024RelatedToDisclosureOfUpdatesToOngoingTaxLitigationsOrDisputesIsApplicableToTheEntity contextRef="MainD">false</in-capmkt:WhetherPartEOfAnnexureIOfTheSEBICircularDated31December2024RelatedToDisclosureOfUpdatesToOngoingTaxLitigationsOrDisputesIsApplicableToTheEntity>
  <in-capmkt:ReasonForPartEOfAnnexureIOfTheSEBICircularDated31December2024RelatedToDisclosureOfUpdatesToOngoingTaxLitigationsOrDisputesIsNotApplicableToTheEntity contextRef="MainD">NA</in-capmkt:ReasonForPartEOfAnnexureIOfTheSEBICircularDated31December2024RelatedToDisclosureOfUpdatesToOngoingTaxLitigationsOrDisputesIsNotApplicableToTheEntity>
  <in-capmkt:IsSCORESIDAvailable contextRef="MainI">true</in-capmkt:IsSCORESIDAvailable>
  <in-capmkt:SCORESRegistrationID contextRef="MainI">r00415</in-capmkt:SCORESRegistrationID>
  <in-capmkt:TypeOfSubmission contextRef="MainI">Original</in-capmkt:TypeOfSubmission>
  <in-capmkt:NoOfInvestorComplaints contextRef="PY_I" unitRef="pure" decimals="0">0</in-capmkt:NoOfInvestorComplaints>
  <in-capmkt:NoOfInvestorComplaintsReceivedDuringThePeriod contextRef="MainD" unitRef="pure" decimals="0">0</in-capmkt:NoOfInvestorComplaintsReceivedDuringThePeriod>
  <in-capmkt:NoOfInvestorComplaintsDisposedOffDuringThePeriod contextRef="MainD" unitRef="pure" decimals="0">0</in-capmkt:NoOfInvestorComplaintsDisposedOffDuringThePeriod>
  <in-capmkt:NoOfInvestorComplaints contextRef="MainI" unitRef="pure" decimals="0">0</in-capmkt:NoOfInvestorComplaints>
  <in-capmkt:NoOfInvestorComplaintsDuringThePeriod contextRef="MainD" unitRef="pure" decimals="0">0</in-capmkt:NoOfInvestorComplaintsDuringThePeriod>
</xbrli:xbrl>