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Smita Bhagat

Smita Bhagat is Group Head–Retail Branch Banking, Government and Institutional Business and E-Commerce at HDFC Bank. She serves on the Bank’s CSR Committee, and was featured in the Women Ahead 2016 list published by The Economic Times.
 Smita is currently leading HDFC Bank’s effort to significantly scale the government, institutional and
start–up businesses across India. She has recently signed an MOU with CSC India to build a new banking channel working with the 300,000 CSC centers to further augment reach into semi-urban and rural markets across the country.
The CSC initiative adds to her experience of managing the Semi-Urban and Rural Branches in her current portfolio of 600 retails branches. In her Branch Banking role she has looked after North / Central India and Western Region. Currently responsible for 600 branches out of which 55% are in Rural and Semi Urban areas. These Branches take banking to masses and help in bringing unbanked into banking fold. this is made possible by offering the full range of products to all the customers of the bank , irrespective of geography.
She jointly owns the E-Commerce business in the bank with the bank enjoying a 42% market share.  
Smart Up and Smart Hub are two tailor made banking solutions for Start-Ups and the Institutional, Government, Societies and Healthcare business respectively, which were initiated and launched by her.
Smita champions women leadership and development programs within the bank and is committed to external efforts focused on women empowerment, education, skilling, and sanitation.