<?xml version="1.0"?>
<!-- XBRL Document Created with WizLabo Platform -->
<schema xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:num="http://www.xbrl.org/dtr/type/numeric" xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:jpcrp030000-asr_E03772-000="http://disclosure.edinet-fsa.go.jp/jpcrp030000/asr/001/E03772-000/2026-03-31/01/2026-06-12" xmlns:iod="http://disclosure.edinet-fsa.go.jp/taxonomy/common/2013-08-31/iod" elementFormDefault="qualified" targetNamespace="http://disclosure.edinet-fsa.go.jp/jpcrp030000/asr/001/E03772-000/2026-03-31/01/2026-06-12" xmlns="http://www.w3.org/2001/XMLSchema">
  <import schemaLocation="http://disclosure.edinet-fsa.go.jp/taxonomy/jpcrp/2025-11-01/jpcrp_cor_2025-11-01.xsd" namespace="http://disclosure.edinet-fsa.go.jp/taxonomy/jpcrp/2025-11-01/jpcrp_cor" />
  <import schemaLocation="http://disclosure.edinet-fsa.go.jp/taxonomy/jpcrp/2025-11-01/jpcrp_rt_2025-11-01.xsd" namespace="http://disclosure.edinet-fsa.go.jp/taxonomy/jpcrp/2025-11-01/jpcrp_rt" />
  <import schemaLocation="http://disclosure.edinet-fsa.go.jp/taxonomy/jppfs/2025-11-01/jppfs_cor_2025-11-01.xsd" namespace="http://disclosure.edinet-fsa.go.jp/taxonomy/jppfs/2025-11-01/jppfs_cor" />
  <import schemaLocation="http://disclosure.edinet-fsa.go.jp/taxonomy/jppfs/2025-11-01/jppfs_rt_2025-11-01.xsd" namespace="http://disclosure.edinet-fsa.go.jp/taxonomy/jppfs/2025-11-01/jppfs_rt" />
  <import schemaLocation="http://disclosure.edinet-fsa.go.jp/taxonomy/jpdei/2013-08-31/jpdei_cor_2013-08-31.xsd" namespace="http://disclosure.edinet-fsa.go.jp/taxonomy/jpdei/2013-08-31/jpdei_cor" />
  <import schemaLocation="http://disclosure.edinet-fsa.go.jp/taxonomy/jpdei/2013-08-31/jpdei_rt_2013-08-31.xsd" namespace="http://disclosure.edinet-fsa.go.jp/taxonomy/jpdei/2013-08-31/jpdei_rt" />
  <import schemaLocation="http://disclosure.edinet-fsa.go.jp/taxonomy/common/2013-08-31/identificationAndOrdering_2013-08-31.xsd" namespace="http://disclosure.edinet-fsa.go.jp/taxonomy/common/2013-08-31/iod" />
  <import schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" namespace="http://www.xbrl.org/2003/instance" />
  <import schemaLocation="http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd" namespace="http://www.xbrl.org/dtr/type/non-numeric" />
  <import schemaLocation="http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd" namespace="http://www.xbrl.org/dtr/type/numeric" />
  <annotation>
    <appinfo>
      <link:linkbaseRef xlink:type="simple" xlink:href="http://disclosure.edinet-fsa.go.jp/taxonomy/jpcrp/2025-11-01/label/jpcrp_2025-11-01_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="http://disclosure.edinet-fsa.go.jp/taxonomy/jpcrp/2025-11-01/label/jpcrp_2025-11-01_lab-en.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="http://disclosure.edinet-fsa.go.jp/taxonomy/jpcrp/2025-11-01/label/jpcrp_2025-11-01_gla.xml" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="http://disclosure.edinet-fsa.go.jp/taxonomy/jppfs/2025-11-01/label/jppfs_2025-11-01_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="http://disclosure.edinet-fsa.go.jp/taxonomy/jppfs/2025-11-01/label/jppfs_2025-11-01_lab-en.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="http://disclosure.edinet-fsa.go.jp/taxonomy/jppfs/2025-11-01/label/jppfs_2025-11-01_gla.xml" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="http://disclosure.edinet-fsa.go.jp/taxonomy/jpdei/2013-08-31/label/jpdei_2024-11-01_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="http://disclosure.edinet-fsa.go.jp/taxonomy/jpdei/2013-08-31/label/jpdei_2024-11-01_lab-en.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="http://disclosure.edinet-fsa.go.jp/taxonomy/jpdei/2013-08-31/label/jpdei_2013-08-31_gla.xml" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="http://disclosure.edinet-fsa.go.jp/taxonomy/jpdei/2013-08-31/r/jpdei_000100-000_2013-08-31_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="jpcrp030000-asr-001_E03772-000_2026-03-31_01_2026-06-12_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="jpcrp030000-asr-001_E03772-000_2026-03-31_01_2026-06-12_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="jpcrp030000-asr-001_E03772-000_2026-03-31_01_2026-06-12_cal.xml" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="jpcrp030000-asr-001_E03772-000_2026-03-31_01_2026-06-12_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="jpcrp030000-asr-001_E03772-000_2026-03-31_01_2026-06-12_lab-en.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
    </appinfo>
  </annotation>
  <element id="jpcrp030000-asr_E03772-000_ReferenceToOtherInformationDescriptionOfMetricsRelatedToPolicyOnHumanResourceDevelopmentAndImprovementOfInternalEnvironmentAndTargetsAndResultsUsingSuchMetricsMetricsAndTargets" xbrli:periodType="instant" abstract="false" name="ReferenceToOtherInformationDescriptionOfMetricsRelatedToPolicyOnHumanResourceDevelopmentAndImprovementOfInternalEnvironmentAndTargetsAndResultsUsingSuchMetricsMetricsAndTargets" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" />
  <element id="jpcrp030000-asr_E03772-000_GovernanceInformationDisclosureBasedOnTCFDRecommendationsTextBlock" xbrli:periodType="instant" abstract="false" name="GovernanceInformationDisclosureBasedOnTCFDRecommendationsTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <element id="jpcrp030000-asr_E03772-000_StrategyInformationDisclosureBasedOnTCFDRecommendationsTextBlock" xbrli:periodType="instant" abstract="false" name="StrategyInformationDisclosureBasedOnTCFDRecommendationsTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <element id="jpcrp030000-asr_E03772-000_RiskManagementInformationDisclosureBasedOnTCFDRecommendationsTextBlock" xbrli:periodType="instant" abstract="false" name="RiskManagementInformationDisclosureBasedOnTCFDRecommendationsTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <element id="jpcrp030000-asr_E03772-000_MetricsAndTargetsInformationDisclosureBasedOnTCFDRecommendationsTextBlock" xbrli:periodType="instant" abstract="false" name="MetricsAndTargetsInformationDisclosureBasedOnTCFDRecommendationsTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <element id="jpcrp030000-asr_E03772-000_EmployeesEtcHeading" xbrli:periodType="duration" abstract="true" name="EmployeesEtcHeading" nillable="true" substitutionGroup="iod:identifierItem" type="xbrli:stringItemType" />
  <element id="jpcrp030000-asr_E03772-000_BasicPolicyOnHumanResourcesStrategyEmployeesEtcHeading" xbrli:periodType="duration" abstract="true" name="BasicPolicyOnHumanResourcesStrategyEmployeesEtcHeading" nillable="true" substitutionGroup="iod:identifierItem" type="xbrli:stringItemType" />
  <element id="jpcrp030000-asr_E03772-000_BasicPolicyOnHumanResourcesStrategyEmployeesEtcTextBlock" xbrli:periodType="instant" abstract="false" name="BasicPolicyOnHumanResourcesStrategyEmployeesEtcTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <element id="jpcrp030000-asr_E03772-000_BusinessOverviewHeading" xbrli:periodType="duration" abstract="true" name="BusinessOverviewHeading" nillable="true" substitutionGroup="iod:identifierItem" type="xbrli:stringItemType" />
  <element id="jpcrp030000-asr_E03772-000_BusinessOverviewTextBlock" xbrli:periodType="instant" abstract="false" name="BusinessOverviewTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <element id="jpcrp030000-asr_E03772-000_NetOperatingRevenueSummaryOfBusinessResults" xbrli:periodType="duration" abstract="false" name="NetOperatingRevenueSummaryOfBusinessResults" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E03772-000_CommissionReceivedSummaryOfBusinessResults" xbrli:periodType="duration" abstract="false" name="CommissionReceivedSummaryOfBusinessResults" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E03772-000_NetAssetsToDividendRatioSummaryOfBusinessResults" xbrli:periodType="instant" abstract="false" name="NetAssetsToDividendRatioSummaryOfBusinessResults" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" />
  <element id="jpcrp030000-asr_E03772-000_CapitalAdequacyRegulationRatioSummaryOfBusinessResults" xbrli:periodType="instant" abstract="false" name="CapitalAdequacyRegulationRatioSummaryOfBusinessResults" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" />
  <element id="jpcrp030000-asr_E03772-000_TakehiMasashiMember" xbrli:periodType="duration" abstract="true" name="TakehiMasashiMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03772-000_TamadaHirofumiMember" xbrli:periodType="duration" abstract="true" name="TamadaHirofumiMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03772-000_YamazakiSyouishiMember" xbrli:periodType="duration" abstract="true" name="YamazakiSyouishiMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03772-000_GokitaAkiraMember" xbrli:periodType="duration" abstract="true" name="GokitaAkiraMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03772-000_MashimoYokoMember" xbrli:periodType="duration" abstract="true" name="MashimoYokoMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03772-000_HiranoEijiMember" xbrli:periodType="duration" abstract="true" name="HiranoEijiMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03772-000_NumataYukoMember" xbrli:periodType="duration" abstract="true" name="NumataYukoMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03772-000_ChangeFromPreviousFiscalYearInAverageAnnualSalaryInformationAboutReportingCompanyInformationAboutEmployees" xbrli:periodType="instant" abstract="false" name="ChangeFromPreviousFiscalYearInAverageAnnualSalaryInformationAboutReportingCompanyInformationAboutEmployees" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" />
  <element id="jpcrp030000-asr_E03772-000_DividendsFromInvestmentSecuritiesNOI" xbrli:balance="credit" xbrli:periodType="duration" abstract="false" name="DividendsFromInvestmentSecuritiesNOI" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E03772-000_NotesRegardingPersonnelExpensesTextBlock" xbrli:periodType="duration" abstract="false" name="NotesRegardingPersonnelExpensesTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <element id="jpcrp030000-asr_E03772-000_NotesRegardingDetailsOfTransactionRelatedExpensesTextBlock" xbrli:periodType="duration" abstract="false" name="NotesRegardingDetailsOfTransactionRelatedExpensesTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <element id="jpcrp030000-asr_E03772-000_NotesRegardingRealEstateExpensesTextBlock" xbrli:periodType="duration" abstract="false" name="NotesRegardingRealEstateExpensesTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <element id="jpcrp030000-asr_E03772-000_NotesRegardingOfficeCostTextBlock" xbrli:periodType="duration" abstract="false" name="NotesRegardingOfficeCostTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <element id="jpcrp030000-asr_E03772-000_NotesRegardingDepreciationTextBlock" xbrli:periodType="duration" abstract="false" name="NotesRegardingDepreciationTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <element id="jpcrp030000-asr_E03772-000_NotesRegardingTaxesAndDuesTextBlock" xbrli:periodType="duration" abstract="false" name="NotesRegardingTaxesAndDuesTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <element id="jpcrp030000-asr_E03772-000_NotesRegardingOtherSellingGeneralAndAdministrativeExpensesTextBlock" xbrli:periodType="duration" abstract="false" name="NotesRegardingOtherSellingGeneralAndAdministrativeExpensesTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
</schema>