<?xml version="1.0"?>
<!-- Edited with FutureStage XBRL Solution Library .NET 01-11 -->
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  <import schemaLocation="http://disclosure.edinet-fsa.go.jp/taxonomy/jpcrp/2021-11-01/jpcrp_cor_2021-11-01.xsd" namespace="http://disclosure.edinet-fsa.go.jp/taxonomy/jpcrp/2021-11-01/jpcrp_cor" />
  <import schemaLocation="http://disclosure.edinet-fsa.go.jp/taxonomy/jpcrp/2021-11-01/jpcrp_rt_2021-11-01.xsd" namespace="http://disclosure.edinet-fsa.go.jp/taxonomy/jpcrp/2021-11-01/jpcrp_rt" />
  <import schemaLocation="http://disclosure.edinet-fsa.go.jp/taxonomy/jppfs/2021-11-01/jppfs_cor_2021-11-01.xsd" namespace="http://disclosure.edinet-fsa.go.jp/taxonomy/jppfs/2021-11-01/jppfs_cor" />
  <import schemaLocation="http://disclosure.edinet-fsa.go.jp/taxonomy/jppfs/2021-11-01/jppfs_rt_2021-11-01.xsd" namespace="http://disclosure.edinet-fsa.go.jp/taxonomy/jppfs/2021-11-01/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" />
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  <annotation>
    <appinfo>
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      <link:linkbaseRef xlink:type="simple" xlink:href="http://disclosure.edinet-fsa.go.jp/taxonomy/jppfs/2021-11-01/label/jppfs_2021-11-01_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
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      <link:linkbaseRef xlink:type="simple" xlink:href="http://disclosure.edinet-fsa.go.jp/taxonomy/jpdei/2013-08-31/label/jpdei_2013-08-31_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
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      <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" />
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    </appinfo>
  </annotation>
  <element id="jpcrp030000-asr_E32022-000_TrustFeesSummaryOfBusinessResults" xbrli:periodType="duration" abstract="false" name="TrustFeesSummaryOfBusinessResults" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E32022-000_TrustPropertyAmountSummaryOfBusinessResults" xbrli:periodType="duration" abstract="false" name="TrustPropertyAmountSummaryOfBusinessResults" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E32022-000_KataokaTatsuyaMember" xbrli:periodType="duration" abstract="true" name="KataokaTatsuyaMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E32022-000_OishiYoshiyukiMember" xbrli:periodType="duration" abstract="true" name="OishiYoshiyukiMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E32022-000_SuzukiYoshiakiMember" xbrli:periodType="duration" abstract="true" name="SuzukiYoshiakiMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E32022-000_OnoderaNobuoMember" xbrli:periodType="duration" abstract="true" name="OnoderaNobuoMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E32022-000_AkiyoshiMitsuruMember" xbrli:periodType="duration" abstract="true" name="AkiyoshiMitsuruMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E32022-000_YamadaYoshinobuMember" xbrli:periodType="duration" abstract="true" name="YamadaYoshinobuMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E32022-000_YodaMamiMember" xbrli:periodType="duration" abstract="true" name="YodaMamiMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E32022-000_MaeharaKazuhiroMember" xbrli:periodType="duration" abstract="true" name="MaeharaKazuhiroMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E32022-000_HaraMitsuhiroMember" xbrli:periodType="duration" abstract="true" name="HaraMitsuhiroMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E32022-000_HashimotoKeiichiroMember" xbrli:periodType="duration" abstract="true" name="HashimotoKeiichiroMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E32022-000_FusamuraSeiichiMember" xbrli:periodType="duration" abstract="true" name="FusamuraSeiichiMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E32022-000_NoguchiMayumiMember" xbrli:periodType="duration" abstract="true" name="NoguchiMayumiMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E32022-000_ShortTermPerformanceBasedRemunerationRemunerationEtcByCategoryOfDirectorsAndOtherOfficers" xbrli:periodType="duration" abstract="false" name="ShortTermPerformanceBasedRemunerationRemunerationEtcByCategoryOfDirectorsAndOtherOfficers" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E32022-000_NonPerformanceLinkedStockBasedRemunerationRemunerationEtcByCategoryOfDirectorsAndOtherOfficers" xbrli:periodType="duration" abstract="false" name="NonPerformanceLinkedStockBasedRemunerationRemunerationEtcByCategoryOfDirectorsAndOtherOfficers" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E32022-000_ProvisionForShareBasedCompensationLiabilities" xbrli:balance="credit" xbrli:periodType="instant" abstract="false" name="ProvisionForShareBasedCompensationLiabilities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E32022-000_ComulativeEffectsDueToRevisionOfAccountingStandardsForForeignAffiliates" xbrli:balance="credit" xbrli:periodType="instant" abstract="false" name="ComulativeEffectsDueToRevisionOfAccountingStandardsForForeignAffiliates" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E32022-000_RestatedBalanceFrevisionOfAccountingStandardsForForeignAffiliates" xbrli:balance="credit" xbrli:periodType="instant" abstract="false" name="RestatedBalanceFrevisionOfAccountingStandardsForForeignAffiliates" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E32022-000_IncreaseDecreaseInProvisionForShareBasedCompensationOpeCF" xbrli:periodType="duration" abstract="false" name="IncreaseDecreaseInProvisionForShareBasedCompensationOpeCF" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E32022-000_PurchasesOfStockFromNonControllingInterestsFinCF" xbrli:periodType="duration" abstract="false" name="PurchasesOfStockFromNonControllingInterestsFinCF" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E32022-000_NotesRegardingLoansBasedOnBankingActAndActOnEmergencyMeasuresForRevitalizationOfFinancialFunctionsBNKTextBlock" xbrli:periodType="instant" abstract="false" name="NotesRegardingLoansBasedOnBankingActAndActOnEmergencyMeasuresForRevitalizationOfFinancialFunctionsBNKTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <element id="jpcrp030000-asr_E32022-000_NotesRegardingThePrincipalOfTrustWithContractForReplacementLossesTextBlock" xbrli:periodType="instant" abstract="false" name="NotesRegardingThePrincipalOfTrustWithContractForReplacementLossesTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <element id="jpcrp030000-asr_E32022-000_MajorComponentsOfExpensesInGeneralAndAdministrativeExpensesTextBlock" xbrli:periodType="duration" abstract="false" name="MajorComponentsOfExpensesInGeneralAndAdministrativeExpensesTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
</schema>