<?xml version="1.0" encoding="us-ascii"?>
<!--XBRL document created by RR Donnelley IM Processor 6.0.0.0 using Fujitsu Interstage XWand-->
<xbrl xmlns:mnfi9="http://www.manning-napier.com/20121228" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:rr="http://xbrl.sec.gov/rr/2012-01-31" xmlns:dei="http://xbrl.sec.gov/dei/2012-01-31" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:iso4217="http://www.xbrl.org/2003/iso4217" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns="http://www.xbrl.org/2003/instance">
  <link:schemaRef xlink:type="simple" xlink:href="mnfi9-20121228.xsd" />
  <context id="Duration_02May2011_01May2012">
    <entity>
      <identifier scheme="http://www.sec.gov/CIK">0000751173</identifier>
    </entity>
    <period>
      <startDate>2011-05-02</startDate>
      <endDate>2012-05-01</endDate>
    </period>
  </context>
  <context id="Duration_02May2011_01May2012S000003633_Member">
    <entity>
      <identifier scheme="http://www.sec.gov/CIK">0000751173</identifier>
      <segment>
        <xbrldi:explicitMember dimension="dei:LegalEntityAxis">mnfi9:S000003633Member</xbrldi:explicitMember>
      </segment>
    </entity>
    <period>
      <startDate>2011-05-02</startDate>
      <endDate>2012-05-01</endDate>
    </period>
  </context>
  <rr:ProspectusDate contextRef="Duration_02May2011_01May2012">2012-05-01</rr:ProspectusDate>
  <dei:EntityRegistrantName contextRef="Duration_02May2011_01May2012">MANNING &amp; NAPIER FUND, INC /NY/</dei:EntityRegistrantName>
  <dei:EntityCentralIndexKey contextRef="Duration_02May2011_01May2012">0000751173</dei:EntityCentralIndexKey>
  <dei:DocumentCreationDate contextRef="Duration_02May2011_01May2012">2012-12-28</dei:DocumentCreationDate>
  <dei:DocumentEffectiveDate contextRef="Duration_02May2011_01May2012">2012-12-28</dei:DocumentEffectiveDate>
  <dei:DocumentType contextRef="Duration_02May2011_01May2012">Other</dei:DocumentType>
  <dei:DocumentPeriodEndDate contextRef="Duration_02May2011_01May2012">2011-12-31</dei:DocumentPeriodEndDate>
  <dei:AmendmentFlag contextRef="Duration_02May2011_01May2012">false</dei:AmendmentFlag>
  <mnfi9:SupplementTextBlock contextRef="Duration_02May2011_01May2012">&lt;p style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px" align="center"&gt;&lt;font style="FONT-FAMILY: Times New Roman" size="2"&gt;&lt;b&gt;MANNING&amp;nbsp;&amp;amp; NAPIER FUND, INC. &lt;/b&gt;&lt;/font&gt;&lt;/p&gt; &lt;p style="MARGIN-TOP: 12px; MARGIN-BOTTOM: 0px" align="center"&gt;&lt;font style="FONT-FAMILY: Times New Roman" size="2"&gt;Supplement dated December&amp;nbsp;31, 2012 to the combined Prospectus (the "Prospectus") dated &lt;/font&gt;&lt;/p&gt; &lt;p style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px" align="center"&gt;&lt;font style="FONT-FAMILY: Times New Roman" size="2"&gt;May&amp;nbsp;1,&amp;nbsp;2012 as amended October&amp;nbsp;19, 2012 for the following Series: &lt;/font&gt;&lt;/p&gt; &lt;p style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px; FONT-SIZE: 12px"&gt;&amp;nbsp; &lt;/p&gt; &lt;div style="POSITION: relative; PADDING-BOTTOM: 8px; WIDTH: 48%; PADDING-RIGHT: 9px; FLOAT: left; OVERFLOW: hidden; MARGIN-RIGHT: 1%; PADDING-TOP: 3px"&gt; &lt;p style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px" align="center"&gt;&lt;font style="FONT-FAMILY: Times New Roman" size="2"&gt;&lt;b&gt;Small Cap Series &amp;#150; Class&amp;nbsp;A &lt;/b&gt;&lt;/font&gt;&lt;/p&gt; &lt;p style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px" align="center"&gt;&lt;font style="FONT-FAMILY: Times New Roman" size="2"&gt;&lt;b&gt;Commodity Series &lt;/b&gt;&lt;/font&gt;&lt;/p&gt; &lt;p style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px" align="center"&gt;&lt;font style="FONT-FAMILY: Times New Roman" size="2"&gt;&lt;b&gt;Technology Series &lt;/b&gt;&lt;/font&gt;&lt;/p&gt; &lt;p style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px" align="center"&gt;&lt;font style="FONT-FAMILY: Times New Roman" size="2"&gt;&lt;b&gt;International Series &amp;#150; Class S and I &lt;/b&gt;&lt;/font&gt;&lt;/p&gt; &lt;p style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px" align="center"&gt;&lt;font style="FONT-FAMILY: Times New Roman" size="2"&gt;&lt;b&gt;Life Sciences Series &lt;/b&gt;&lt;/font&gt;&lt;/p&gt; &lt;p style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px" align="center"&gt;&lt;font style="FONT-FAMILY: Times New Roman" size="2"&gt;&lt;b&gt;World Opportunities Series &amp;#150; Class&amp;nbsp;A &lt;/b&gt;&lt;/font&gt;&lt;/p&gt; &lt;p style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px" align="center"&gt;&lt;font style="FONT-FAMILY: Times New Roman" size="2"&gt;&lt;b&gt;High Yield Bond Series &amp;#150; Class S and I &lt;/b&gt;&lt;/font&gt;&lt;/p&gt; &lt;p style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px" align="center"&gt;&lt;font style="FONT-FAMILY: Times New Roman" size="2"&gt;&lt;b&gt;Global Fixed Income Series &lt;/b&gt;&lt;/font&gt;&lt;/p&gt; &lt;p style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px" align="center"&gt;&lt;font style="FONT-FAMILY: Times New Roman" size="2"&gt;&lt;b&gt;Financial Services Series &lt;/b&gt;&lt;/font&gt;&lt;/p&gt;&lt;/div&gt; &lt;div style="POSITION: relative; PADDING-BOTTOM: 8px; WIDTH: 48%; PADDING-RIGHT: 9px; FLOAT: right; OVERFLOW: hidden; PADDING-TOP: 3px"&gt; &lt;p style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px" align="center"&gt;&lt;font style="FONT-FAMILY: Times New Roman" size="2"&gt;&lt;b&gt;Core Bond Series &lt;/b&gt;&lt;/font&gt;&lt;/p&gt; &lt;p style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px" align="center"&gt;&lt;font style="FONT-FAMILY: Times New Roman" size="2"&gt;&lt;b&gt;Core Plus Bond Series &lt;/b&gt;&lt;/font&gt;&lt;/p&gt; &lt;p style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px" align="center"&gt;&lt;font style="FONT-FAMILY: Times New Roman" size="2"&gt;&lt;b&gt;Real Estate Series &amp;#150; Class S and I &lt;/b&gt;&lt;/font&gt;&lt;/p&gt; &lt;p style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px" align="center"&gt;&lt;font style="FONT-FAMILY: Times New Roman" size="2"&gt;&lt;b&gt;Emerging Markets Series &lt;/b&gt;&lt;/font&gt;&lt;/p&gt; &lt;p style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px" align="center"&gt;&lt;font style="FONT-FAMILY: Times New Roman" size="2"&gt;&lt;b&gt;Inflation Focus Equity Series &lt;/b&gt;&lt;/font&gt;&lt;/p&gt; &lt;p style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px" align="center"&gt;&lt;font style="FONT-FAMILY: Times New Roman" size="2"&gt;&lt;b&gt;Diversified Tax Exempt Series &lt;/b&gt;&lt;/font&gt;&lt;/p&gt; &lt;p style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px" align="center"&gt;&lt;font style="FONT-FAMILY: Times New Roman" size="2"&gt;&lt;b&gt;New York Tax Exempt Series &lt;/b&gt;&lt;/font&gt;&lt;/p&gt; &lt;p style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px" align="center"&gt;&lt;font style="FONT-FAMILY: Times New Roman" size="2"&gt;&lt;b&gt;Ohio Tax Exempt Series &lt;/b&gt;&lt;/font&gt;&lt;/p&gt;&lt;/div&gt; &lt;div style="HEIGHT: 0px; CLEAR: both; FONT-SIZE: 0px"&gt;&amp;nbsp;&lt;/div&gt; &lt;p style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px; FONT-SIZE: 14px"&gt;&amp;nbsp;&lt;/p&gt; &lt;p style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px"&gt;&lt;font style="FONT-FAMILY: Times New Roman" size="2"&gt;&lt;b&gt;This supplement provides new and additional information beyond that contained in the Prospectus and should be read in conjunction with the Prospectus. &lt;/b&gt;&lt;/font&gt;&lt;/p&gt; &lt;p style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px; FONT-SIZE: 14px"&gt;&amp;nbsp;&lt;/p&gt;  &lt;p&gt;&lt;font style="FONT-FAMILY: Times New Roman" size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Effective December&amp;nbsp;31, 2012, shares of the Global Fixed Income Series are no longer offered in the Prospectus, and all references to the Global Fixed Income Series in the Prospectus are hereby deleted.&lt;/font&gt;&lt;/p&gt;</mnfi9:SupplementTextBlock>
  <mnfi9:SupplementTextBlock contextRef="Duration_02May2011_01May2012S000003633_Member">&lt;p style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px" align="center"&gt;&lt;font style="FONT-FAMILY: Times New Roman" size="2"&gt;&lt;b&gt;MANNING&amp;nbsp;&amp;amp; NAPIER FUND, INC. &lt;/b&gt;&lt;/font&gt;&lt;/p&gt; &lt;p style="MARGIN-TOP: 12px; MARGIN-BOTTOM: 0px" align="center"&gt;&lt;font style="FONT-FAMILY: Times New Roman" size="2"&gt;Supplement dated December&amp;nbsp;31, 2012 to the combined Prospectus (the "Prospectus") dated &lt;/font&gt;&lt;/p&gt; &lt;p style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px" align="center"&gt;&lt;font style="FONT-FAMILY: Times New Roman" size="2"&gt;May&amp;nbsp;1,&amp;nbsp;2012 as amended October&amp;nbsp;19, 2012 for the following Series: &lt;/font&gt;&lt;/p&gt; &lt;p style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px; FONT-SIZE: 12px"&gt;&amp;nbsp; &lt;/p&gt; &lt;div style="POSITION: relative; PADDING-BOTTOM: 8px; WIDTH: 48%; PADDING-RIGHT: 9px; FLOAT: left; OVERFLOW: hidden; MARGIN-RIGHT: 1%; PADDING-TOP: 3px"&gt; &lt;p style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px" align="center"&gt;&lt;font style="FONT-FAMILY: Times New Roman" size="2"&gt;&lt;b&gt;Small Cap Series &amp;#150; Class&amp;nbsp;A &lt;/b&gt;&lt;/font&gt;&lt;/p&gt; &lt;p style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px" align="center"&gt;&lt;font style="FONT-FAMILY: Times New Roman" size="2"&gt;&lt;b&gt;Commodity Series &lt;/b&gt;&lt;/font&gt;&lt;/p&gt; &lt;p style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px" align="center"&gt;&lt;font style="FONT-FAMILY: Times New Roman" size="2"&gt;&lt;b&gt;Technology Series &lt;/b&gt;&lt;/font&gt;&lt;/p&gt; &lt;p style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px" align="center"&gt;&lt;font style="FONT-FAMILY: Times New Roman" size="2"&gt;&lt;b&gt;International Series &amp;#150; Class S and I &lt;/b&gt;&lt;/font&gt;&lt;/p&gt; &lt;p style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px" align="center"&gt;&lt;font style="FONT-FAMILY: Times New Roman" size="2"&gt;&lt;b&gt;Life Sciences Series &lt;/b&gt;&lt;/font&gt;&lt;/p&gt; &lt;p style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px" align="center"&gt;&lt;font style="FONT-FAMILY: Times New Roman" size="2"&gt;&lt;b&gt;World Opportunities Series &amp;#150; Class&amp;nbsp;A &lt;/b&gt;&lt;/font&gt;&lt;/p&gt; &lt;p style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px" align="center"&gt;&lt;font style="FONT-FAMILY: Times New Roman" size="2"&gt;&lt;b&gt;High Yield Bond Series &amp;#150; Class S and I &lt;/b&gt;&lt;/font&gt;&lt;/p&gt; &lt;p style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px" align="center"&gt;&lt;font style="FONT-FAMILY: Times New Roman" size="2"&gt;&lt;b&gt;Global Fixed Income Series &lt;/b&gt;&lt;/font&gt;&lt;/p&gt; &lt;p style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px" align="center"&gt;&lt;font style="FONT-FAMILY: Times New Roman" size="2"&gt;&lt;b&gt;Financial Services Series &lt;/b&gt;&lt;/font&gt;&lt;/p&gt;&lt;/div&gt; &lt;div style="POSITION: relative; PADDING-BOTTOM: 8px; WIDTH: 48%; PADDING-RIGHT: 9px; FLOAT: right; OVERFLOW: hidden; PADDING-TOP: 3px"&gt; &lt;p style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px" align="center"&gt;&lt;font style="FONT-FAMILY: Times New Roman" size="2"&gt;&lt;b&gt;Core Bond Series &lt;/b&gt;&lt;/font&gt;&lt;/p&gt; &lt;p style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px" align="center"&gt;&lt;font style="FONT-FAMILY: Times New Roman" size="2"&gt;&lt;b&gt;Core Plus Bond Series &lt;/b&gt;&lt;/font&gt;&lt;/p&gt; &lt;p style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px" align="center"&gt;&lt;font style="FONT-FAMILY: Times New Roman" size="2"&gt;&lt;b&gt;Real Estate Series &amp;#150; Class S and I &lt;/b&gt;&lt;/font&gt;&lt;/p&gt; &lt;p style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px" align="center"&gt;&lt;font style="FONT-FAMILY: Times New Roman" size="2"&gt;&lt;b&gt;Emerging Markets Series &lt;/b&gt;&lt;/font&gt;&lt;/p&gt; &lt;p style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px" align="center"&gt;&lt;font style="FONT-FAMILY: Times New Roman" size="2"&gt;&lt;b&gt;Inflation Focus Equity Series &lt;/b&gt;&lt;/font&gt;&lt;/p&gt; &lt;p style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px" align="center"&gt;&lt;font style="FONT-FAMILY: Times New Roman" size="2"&gt;&lt;b&gt;Diversified Tax Exempt Series &lt;/b&gt;&lt;/font&gt;&lt;/p&gt; &lt;p style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px" align="center"&gt;&lt;font style="FONT-FAMILY: Times New Roman" size="2"&gt;&lt;b&gt;New York Tax Exempt Series &lt;/b&gt;&lt;/font&gt;&lt;/p&gt; &lt;p style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px" align="center"&gt;&lt;font style="FONT-FAMILY: Times New Roman" size="2"&gt;&lt;b&gt;Ohio Tax Exempt Series &lt;/b&gt;&lt;/font&gt;&lt;/p&gt;&lt;/div&gt; &lt;div style="HEIGHT: 0px; CLEAR: both; FONT-SIZE: 0px"&gt;&amp;nbsp;&lt;/div&gt; &lt;p style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px; FONT-SIZE: 14px"&gt;&amp;nbsp;&lt;/p&gt; &lt;p style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px"&gt;&lt;font style="FONT-FAMILY: Times New Roman" size="2"&gt;&lt;b&gt;This supplement provides new and additional information beyond that contained in the Prospectus and should be read in conjunction with the Prospectus. &lt;/b&gt;&lt;/font&gt;&lt;/p&gt; &lt;p style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px; FONT-SIZE: 14px"&gt;&amp;nbsp;&lt;/p&gt;  &lt;p&gt;&lt;font style="FONT-FAMILY: Times New Roman" size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;Effective December&amp;nbsp;31, 2012, shares of the Global Fixed Income Series are no longer offered in the Prospectus, and all references to the Global Fixed Income Series in the Prospectus are hereby deleted.&lt;/font&gt;&lt;/p&gt;</mnfi9:SupplementTextBlock>
</xbrl>
