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'Effective time management, focus are the most important when it comes to productivity'

- Shail Desai

When Smita Bhagat was looking for a job after completing her master's degree in marketing and finance from the University of Rajasthan in the 1990s, many around her were aspiring for a career in government services. In fact, at the time she joined HDFC Bank in 1999, the private sector offered limited opportunities for women.