IMT Ghaziabad PG Diploma Banking And Financial Services: Fees 2026, Course Duration, Dates, Eligibility

Ghaziabad, Uttar PradeshEstd 1980

IMT Ghaziabad Latest Updates and News

15 Sep, 2026 CAT 2026 registration deadline has been extended to Sept 22, 2026, @iimcat.ac.in. CAT 2026 is scheduled for Nov 29, 2026. Read News.

03 Sep, 2026 IMT Ghaziabad MBA Admission 2027 begins. Apply Now! The common admission process for registered candidates will begin on Feb 8, 2027. Read News.

18 Jul, 2026 XAT 2027 registration begins @xatonline.in. Register by Dec 6. The exam will be held on Jan 3, 2027 (2 PM to 5 PM). Read News.

Total fees
INR 22.85 Lakhs
2 years, deposit not counted
Average pay
INR 18.15 LPA
PGDM Class of 2026, all programmes
Cutoff
90 percentile
CAT, General, call for interview
Placement rate
100%
PGDM Class of 2026 placed

About IMT Ghaziabad PGDM BFSI

IMT Ghaziabad offers a two-year, full-time PGDM in Banking and Financial Services on its Ghaziabad campus. The course is taught over six trimesters and 60 seats are on offer. IMT is accredited by AACSB and NBA and stands #38 in Collegedunia's MBA ranking 2025. The full course fee is INR 22.85 Lakhs, and the campus is residential, so every student stays in the hostel. Seats go to students with a CAT 2026, XAT 2027 or GMAT score, followed by a critical thinking test and an interview. The Class of 2026 was placed at an average of INR 18.15 LPA, with BFSI the top hiring sector.

IMT Ghaziabad PGDM BFSI Fees

You pay the tuition fee in two year parts, the bigger part in year 1. The admission fee and the alumni membership are paid once. The caution money comes back when you leave. Hostel and mess sit inside the printed course fee, because the campus is residential.

Fee headAmountHow it is charged
Tuition feeINR 22.27 LakhsINR 12.27 Lakhs in year 1, INR 10 Lakhs in year 2
Admission feeINR 50,000One time, in year 1
Lifetime alumni membershipINR 8,000One time, in year 1
Caution money depositINR 15,000One time, comes back when you leave
Total, deposit not countedINR 22.85 LakhsFull course
Total as printed by IMTINR 23 LakhsFull course, deposit counted

IMT Ghaziabad PGDM BFSI Admission Dates

The 2027 seat is still open: the IMT form is expected to stay open till Nov 2026 and the exam dates are already fixed. Watch the CAT 2026 exam on 29 Nov 2026 and the XAT 2027 exam on 3 Jan 2027. The interview round follows in early 2027.

EventDateStatus
CAT 2026 registration, last date to apply3 Aug 2026 to 15 Sep 2026Confirmed
IMT application window for the 2027 batchSep 2026 to Nov 2026Tentative
CAT 2026 exam29 Nov 2026Confirmed
XAT 2027 exam3 Jan 2027Confirmed
CAT 2026 result and score cardJan 2027Tentative
Shortlist for the CTPI roundFeb 2027Tentative
Critical Thinking Test and interviewFeb 2027 to Mar 2027Tentative
Final offer listMar 2027Tentative
Offer acceptance fee, last dateApr 2027Tentative
Reporting and document checkJun 2027Tentative
Classes startJun 2027Tentative

IMT Ghaziabad PGDM BFSI Eligibility

You need a full bachelor's degree with at least half marks and a valid exam score. Work experience is not needed, but it adds weight in the final list.

RequirementWhat you need
DegreeA bachelor's degree of three years or more
MarksAt least 50% in the degree
ExamCAT 2026, XAT 2027 or GMAT; the best score is read
Work experienceNot needed; freshers apply through the same form

IMT Ghaziabad PGDM BFSI Admission Process

One form covers all three IMT campuses. Most students who lose a seat miss the fee date after the offer, so mark it the day the offer comes.

StepWhat you do
1. Apply onlineFill the IMT common admission form and pay INR 3,500
2. Take the examSit for CAT 2026, XAT 2027 or GMAT
3. Get shortlistedYour score is read with your class 10, class 12 and degree marks
4. CTPI roundA 30-minute Critical Thinking Test and a personal interview
5. Accept the offerPay the first part of the fee by the last date

IMT Ghaziabad PGDM BFSI Cutoff

These are the percentile cutoffs for a call, not for the final seat. The final list also counts your marks, work experience and the interview.

CategoryCAT percentileXAT percentile
General90 to 9590
EWS88 to 9287
OBC-NCL87 to 9085
SC/ST8075
PwD7570

IMT Ghaziabad PGDM BFSI Placements

BFSI is the biggest hiring sector on this campus, so this course sits where the offers are. Banks, investment firms and audit firms hire here every year.

MetricValue
Average payINR 18.15 LPA, PGDM Class of 2026
Median payINR 17 LPA
Highest offer in IndiaINR 35 LPA
Highest offer abroadINR 46.17 LPA
Batch placed100%
Biggest hiring sectorBFSI, about a quarter of all offers
Recruiters in this sectorGoldman Sachs, JP Morgan Chase, HSBC, ICICI Bank, American Express, BNY Mellon

IMT Ghaziabad PGDM BFSI Scholarships

Every scheme here is IMT's own and cuts the academic fee. You can hold only one, so the biggest one you qualify for is the one that counts.

ScholarshipWho can get itAmount or waiver
Tuition Fee WaiverTop of the merit list, any categoryINR 22.27 Lakhs, the whole academic fee
Merit scholarship for womenWomen high in the merit listINR 6.68 Lakhs, a 30% cut
Merit scholarship for menMen high in the merit listINR 5.57 Lakhs, a 25% cut
Smt. Leela Nath Memorial ScholarshipEvery woman admitted, merit list or notINR 5.57 Lakhs, a 25% cut

IMT Ghaziabad PGDM BFSI Ranking

Collegedunia ranks the college on fees, placements and student reviews. NIRF ranks it on data the institute files every year.

Ranking bodyYearRank
Collegedunia MBA ranking2025#38
NIRF Management2025#30
Outlook MBA ranking2026#4

IMT Ghaziabad PGDM BFSI Course Structure

Year 1 is common management ground. Year 2 turns to banking, markets and risk, with a market immersion outside the classroom.

StageWhat you study
Year 1Marketing, finance, human resources, operations, strategy, analytics and digital business
Between the yearsA summer internship with a company
Year 2Banking and financial services courses, plus a six-week immersion with NISM

IMT Ghaziabad PGDM BFSI Hostel and Campus

Staying on campus is part of the deal here, not a choice. The room and the mess are inside the printed course fee.

ItemDetail
Staying on campusCompulsory; every IMT programme is residential
RoomDouble sharing; you change rooms at the end of year 1
MessThree meals a day, part of the hostel charge
CampusRaj Nagar, Ghaziabad, inside Delhi NCR

Should you pick PGDM BFSI at IMT Ghaziabad?

This course suits students who want a banking or markets job and are ready to live on campus for two years.

Pick it if:
You want a job in banking or markets: BFSI is IMT's top hiring sector, and Goldman Sachs, HSBC and ICICI Bank hire here.
You want market floor time, not only classes: the course includes a six-week immersion with NISM, the market institute set up by SEBI.
You are a woman applying here: every woman admitted gets a cut on the academic fee, so your real fee is lower than the printed one.
You track hiring trends: BFSI has been the biggest recruiting sector on this campus for three years running.
Skip it if:
You plan to live at home in Delhi NCR: every IMT programme is residential, so you must stay in the hostel for both years.
You have a strong score but weak marks: the score is only part of the call, and your class 10, class 12 and degree marks are read too.
You want a general management diploma: this diploma names Banking and Financial Services, and you pick that path on day one.
You are watching the fee: the full course fee went up between the 2025 and 2026 batches, so check this year's sheet before you plan.
Counsellor's advice
If your percentile clears the General cutoff and you want a banking job, apply in the first window and keep your marksheets ready for the interview. If money is tight, ask about the fee waiver before you pay the first part.
PGDM BFSI Eligibility
Degree needed: A bachelor's degree of three years or more, in any subject.
Marks needed: At least 50% in the degree, counted the way your university counts it.
Exam needed: A valid CAT 2026, XAT 2027 or GMAT score. IMT reads your best one.
Score to aim for: About 90 percentile in CAT or XAT for the General category, or GMAT 650.
Work experience: Not needed. Freshers and working candidates use the same form.
PGDM BFSI Admission Process
Apply online: Fill the IMT common admission form and pay the application fee of INR 3,500.
Take the exam: Sit for CAT 2026, XAT 2027 or GMAT. One good score is enough.
Get shortlisted: IMT reads your score with your class 10, class 12 and degree marks.
Clear the CTPI round: CTPI means a 30-minute Critical Thinking Test and a personal interview.
Accept and pay: Pay the first part of the fee by the last date, or you lose the seat.

PGDM BFSI Admission Dates 2027

The exam dates are official. The IMT steps are expected dates, based on the last cycle. Tap 2028 for the next batch.

The 2028 calendar is not out yet. These dates are estimates based on 2027.
Confirmed
3 Aug 2026 to 15 Sep 2026
CAT 2026 registration
Last date to apply is 15 Sep 2026. Late forms are not taken.
Tentative
Sep 2026 to Nov 2026
IMT application window for the 2027 batch
The last date to apply is expected in Nov 2026, as in the last cycle.
Confirmed
29 Nov 2026
CAT 2026 exam
One sitting, three sessions in the day.
Confirmed
3 Jan 2027
XAT 2027 exam
The second door to the same seat if you skip the first exam.
Tentative
Jan 2027
CAT 2026 result and score card
The score card is what the IMT form asks for.
Tentative
Feb 2027
Shortlist for the CTPI round
IMT reads your score with your class 10 and class 12 marks.
Tentative
Feb 2027 to Mar 2027
Critical Thinking Test and personal interview
Held in 14 cities. Carry your marksheets in original.
Tentative
Mar 2027
Final offer list
The list counts the exam score, the interview and your record.
Tentative
Apr 2027
Offer acceptance fee, last date
You lose the seat if this part is not paid in time.
Tentative
May 2027
First year fee payment
The year 1 part is the bigger half of the course fee.
Tentative
Jun 2027
Reporting and document check on campus
Bring originals; the seat is cancelled without them.
Tentative
Jun 2027
Classes start
Hostel rooms are given out in the week before this date.
Tentative
Aug 2027 to Sep 2027
CAT 2027 registration
Expected to open in August, with the last date to apply in September.
Tentative
Sep 2027 to Nov 2027
IMT application window for the 2028 batch
Expected to open in the same month as this year.
Tentative
Nov 2027
CAT 2027 exam
Expected on the last Sunday of the month.
Tentative
Jan 2028
XAT 2028 exam
Expected in the first week of January.
Tentative
Jan 2028
CAT 2027 result and score card
Expected about five weeks after the exam.
Tentative
Feb 2028
Shortlist for the CTPI round
Expected soon after the score cards are out.
Tentative
Feb 2028 to Mar 2028
Critical Thinking Test and personal interview
Expected across the same two months.
Tentative
Mar 2028
Final offer list
Expected at the end of the interview season.
Tentative
Apr 2028
Offer acceptance fee, last date
Expected about two weeks after the offer.
Tentative
Jun 2028
Reporting and document check on campus
Expected in the week before classes.
Tentative
Jun 2028
Classes start
Expected in the same month as this year.

Source: IMT admission page and the official CAT and XAT calendars. Confirm on the official site before you act.

IMT Ghaziabad PGDM BFSI Fees 2027

This is the full 2-year cost, not one year. Turn on the toggle to add the exam and application fees you pay before you join.

Tuition fee
Full course, as published, INR 12.27 Lakhs in year 1 and INR 10 Lakhs in year 2
INR 22.27 Lakhs
Admission fee
One time, in year 1
INR 50,000
Lifetime alumni membership
One time, in year 1
INR 8,000
Caution money deposit Refundable
One time, comes back when you leave
INR 15,000
Add exam and application fees
IMT application fee
One time, paid when you apply
INR 3,500
CAT 2026 registration fee
One time, paid when you register
INR 2,700
Total course fee
INR 22.85 Lakhs
2 years · tuition + admission fee + alumni membership
Total course fee
INR 22.91 Lakhs
2 years · course fee + the exam and application fees
Education loan EMI
INR 38,527
7 yr · 10.5% per year
ROI
79%
average pay INR 18.15 LPA vs the full fee
Education loan EMI
INR 38,631
7 yr · 10.5% per year
ROI
79%
average pay INR 18.15 LPA vs the full fee

Source: IMT Ghaziabad fee sheet for the 2026 to 2028 batch. Confirm on the official site before you act.

Will your score get you a seat at IMT Ghaziabad?

Pick your category and your exam. These are the published percentile cutoff ranges for a call, not for the final seat.

Category
Exam
General · CAT
95 percentile and above: you clear the published cutoff. A call is likely.
90 to 94.9 percentile: this is the edge. Your marks, work experience and the interview decide the call.
Below 90 percentile: a call is unlikely this year. Keep a college with an easier cutoff on your list.
General · XAT
90 percentile and above: you clear the published cutoff. A call is likely.
88 to 89.9 percentile: this is the edge. Your marks, work experience and the interview decide the call.
Below 88 percentile: a call is unlikely this year. Keep a college with an easier cutoff on your list.
EWS · CAT
92 percentile and above: you clear the published cutoff. A call is likely.
88 to 91.9 percentile: this is the edge. Your marks, work experience and the interview decide the call.
Below 88 percentile: a call is unlikely this year. Keep a college with an easier cutoff on your list.
EWS · XAT
87 percentile and above: you clear the published cutoff. A call is likely.
85 to 86.9 percentile: this is the edge. Your marks, work experience and the interview decide the call.
Below 85 percentile: a call is unlikely this year. Keep a college with an easier cutoff on your list.
OBC-NCL · CAT
90 percentile and above: you clear the published cutoff. A call is likely.
87 to 89.9 percentile: this is the edge. Your marks, work experience and the interview decide the call.
Below 87 percentile: a call is unlikely this year. Keep a college with an easier cutoff on your list.
OBC-NCL · XAT
85 percentile and above: you clear the published cutoff. A call is likely.
83 to 84.9 percentile: this is the edge. Your marks, work experience and the interview decide the call.
Below 83 percentile: a call is unlikely this year. Keep a college with an easier cutoff on your list.
SC/ST · CAT
80 percentile and above: you clear the published cutoff. A call is likely.
77 to 79.9 percentile: this is the edge. Your marks, work experience and the interview decide the call.
Below 77 percentile: a call is unlikely this year. Keep a college with an easier cutoff on your list.
SC/ST · XAT
75 percentile and above: you clear the published cutoff. A call is likely.
72 to 74.9 percentile: this is the edge. Your marks, work experience and the interview decide the call.
Below 72 percentile: a call is unlikely this year. Keep a college with an easier cutoff on your list.
PwD · CAT
75 percentile and above: you clear the published cutoff. A call is likely.
72 to 74.9 percentile: this is the edge. Your marks, work experience and the interview decide the call.
Below 72 percentile: a call is unlikely this year. Keep a college with an easier cutoff on your list.
PwD · XAT
70 percentile and above: you clear the published cutoff. A call is likely.
67 to 69.9 percentile: this is the edge. Your marks, work experience and the interview decide the call.
Below 67 percentile: a call is unlikely this year. Keep a college with an easier cutoff on your list.
EDITOR'S NOTE

A call is not a seat. The exam score carries about half the weight; your class 10, class 12 and degree marks, your work experience and the interview carry the rest.

IMT Ghaziabad PGDM BFSI Scholarship Calculator

Answer two questions to see what you can claim. You can hold only one scheme, so the bar shows the biggest one you qualify for.

You are
Your CAT or XAT score
Scholarships you missedYou do not qualify on your answers. Tap to see why.

Each chip below says which answer blocked the scheme.

Tuition Fee Waiver
INR 22.27 Lakhs
IMT Ghaziabad
The whole academic fee is waived. You still pay the other fee heads.
Who qualifies: top of the merit list, any categoryApply when you accept the offer
Not eligible on your answers
Merit scholarship for women
INR 6.68 Lakhs
IMT Ghaziabad
A 30% cut on the academic fee for women high in the merit list.
Who qualifies: women high in the merit listApply when you accept the offer
Not eligible on your answers
Merit scholarship for men
INR 5.57 Lakhs
IMT Ghaziabad
A 25% cut on the academic fee for men high in the merit list.
Who qualifies: men high in the merit listApply when you accept the offer
Not eligible on your answers
Smt. Leela Nath Memorial Scholarship
INR 5.57 Lakhs
IMT Ghaziabad
A 25% cut on the academic fee for every woman who joins a PGDM here.
Who qualifies: every woman admitted, merit list or notNo separate form
Not eligible on your answers
No scheme matches these answers. Ask the college about paying in parts and about education loans.
Estimated total waiver
INR 22.27 Lakhs
Your net course fee: INR 58,000
Estimated total waiver
INR 6.68 Lakhs
Your net course fee: INR 16.17 Lakhs
Estimated total waiver
INR 5.57 Lakhs
Your net course fee: INR 17.28 Lakhs
Estimated total waiver
INR 0
Your net course fee: INR 22.85 Lakhs

IMT Ghaziabad PGDM BFSI vs similar colleges

Tap a college to see it next to IMT Ghaziabad. Blue marks the better number in each row: lower fees, higher pay, an easier cutoff.

Compare with
This page
Institute of Management Technology
Ghaziabad
Compared with
National Institute of Bank Management
Pune
Compared with
International Management Institute
New Delhi
Compared with
T A Pai Management Institute
Manipal
Compared with
FORE School of Management
New Delhi
Total fees2 years, deposit not counted
INR 22.85 Lakhs
tuition + admission fee
INR 17.84 Lakhs
INR 5.01 Lakhs less
INR 29.75 Lakhs
INR 6.90 Lakhs more
INR 24.40 Lakhs
INR 1.55 Lakhs more
INR 23.49 Lakhs
INR 64,000 more
Average paylatest batch placed
INR 18.15 LPA
PGDM Class of 2026
INR 14.1 LPA
INR 4.05 LPA less
INR 20.9 LPA
INR 2.75 LPA more
INR 14.24 LPA
INR 3.91 LPA less
INR 16.8 LPA
INR 1.35 LPA less
Placement rateshare of the batch placed
100%
PGDM Class of 2026
100%
Same placement rate
100%
Same placement rate
100%
Same placement rate
100%
Same placement rate
CutoffCAT percentile, General category
90
call for the interview
94
4 more, a tougher call
90
Same cutoff
90
Same cutoff
85
5 fewer, an easier call
Seatsthis course, each year
60
PGDM BFSI intake
130
70 more
60
Same seat count
120
60 more
60
Same seat count
In short
NIBM Pune costs about INR 5 Lakhs less and takes a bigger batch, but it asks for a higher percentile and pays less on average. If you clear both calls, take IMT Ghaziabad.
In short
IMI Delhi pays more on average but charges nearly INR 7 Lakhs more for the same two years. If the fee is the tighter limit at home, take IMT Ghaziabad; if pay is all that counts, take IMI Delhi.
In short
TAPMI Manipal takes twice the batch but costs more and pays less on average. If you want a smaller banking class inside Delhi NCR, stay with IMT Ghaziabad and keep TAPMI Manipal as the back-up.
In short
FORE Delhi asks for a lower percentile and charges about the same fee, but its average pay is lower. If your score sits between the two cutoffs, apply to both and take IMT Ghaziabad if the call comes.

Fees and pay can change. Check each college site before you decide.

FAQs on IMT Ghaziabad PGDM BFSI

Short answers to what students ask before they apply.

How do I get admission to this course?
Take CAT 2026, XAT 2027 or GMAT and fill the IMT common admission form. If your score clears the cutoff, IMT calls you for a critical thinking test and an interview. The final list also counts your school and degree marks.
What is the full fee for the two-year course?
The course fee is INR 22.85 Lakhs, and IMT prints INR 23 Lakhs with the refundable deposit added. The fee block above splits it head by head. The campus is residential, so the room and the mess sit inside this amount.
Do I have to stay in the hostel?
Yes. Every PGDM at IMT Ghaziabad is residential, so you stay on campus for both years. Rooms are double sharing and you change rooms at the end of year 1.
What percentile do I need for a call?
About 90 percentile in CAT or XAT for the General category, and less for reserved categories. The score checker above shows the range for your own exam and category.
Can a woman student get a fee waiver here?
Yes. Every woman admitted to a PGDM here gets a 25% cut on the academic fee, and women high in the merit list can get 30% instead. You can hold only one scheme at a time.
Is XAT accepted if I miss CAT?
Yes. IMT reads CAT 2026, XAT 2027 and GMAT scores for the same seat, so one good score is enough. XAT 2027 is held on 3 Jan 2027, weeks after the CAT exam.

This page is AI assisted and human verified.

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Collegedunia Team

Content Curator | Updated on - Sep 3, 2026

IMT Ghaziabad: Students' Opinion

AI-Generated Summary based on 21 Reviews

Students at IMT Ghaziabad are eligible for placements and internships, with a unique criterion for admissions based on their graduation scores. Those with over 60% can directly interview, while others need to pass an entrance exam. The college fee for its distance course is Rs. 1 lakh annually, divided into four installments of Rs. 25,000 each, which is higher compared to institutions like Narsee Monjee and Sikkim Manipal. However, the return on investment is strong, as evidenced by a 100% placement record for the 2020-22 batch, completed in just 17 days.

Top recruiters include Goldman Sachs, BCG, and ITC, with the highest package reaching Rs. 34 LPA, an average of Rs. 13.6 LPA, and a median of Rs. 12 LPA. Internships are also robust, with stipends averaging between Rs. 65,000 and Rs. 75,000 monthly, and some companies like Microsoft offering up to Rs. 2 lakhs. For the 2023-25 batch, the total fees are Rs. 19.53 lakhs, including hostel and mess, with an additional Rs.

4.5 lakhs for a bootcamp in Brussels. Scholarships include the Smt. Leela Nath Memorial Scholarship for Women, offering a 5% fee reduction, and a Tuition Fee Waiver for the top 20% of students. Female students can avail a 25% scholarship, and the top 1% of students earn an academic scholarship worth Rs. 2 lakhs. Education loans are available through partnerships with institutions like HDFC Credila, supporting students financially.

...Read More
 By Collegedunia’s Personal AI

IMT Ghaziabad: 2 Answered Questions

How good is the PG program in management by IMT Ghaziabad and UpGrad?

Shashank JainFormer Internshala Student Partner at Internshala (2017–2018)

The PG program in Management by IMT Ghaziabad and UpGrad is for a duration of 11 months. This program requires you to spend at least 8-10 hours every week.

Skills you will inculcate 

This program helps you develop the following soft skills

  • Marketing Strategies
  • Teamwork
  • Business Growth Strategies
  • Structured Thinking
  • Problem-solving
  • Strategic thinking
  • Planning abilities
  • Interpersonal and communication skills
  • Time management skills 
  • Project management skills

Eligibility 

Bachelor’s Degree with a minimum of 50% marks.

Suitability 

This program is most suitable for 

  • Managers and Entrepreneurs keen to develop an understanding of leadership and management
  • IT Professionals willing to switch industries 
  • Sales and Marketing Executives

Career prospects 

The program has a career coach who will enlighten you on your career interests. They will help you avail the best opportunities by offering mock interviews and constant help in resume building.

Job Prospects 

You should expect roles in the following areas after completing this program 

  • Marketing
  • Management Consulting
  • Leadership Roles in Business Development
  • Sales
  • Strategy
  • Growth

Faculty 

This program is taught by the most experienced and learned faculty in the industry. They offer constant guidance on how to advance and excel in the corporate world.

Interaction with peers

There is a lively interaction between peers through BaseCamps and career-building workshops conducted by experts in the industry. Group activities and discussions are another way of developing a bonding between the students.

You definitely will enjoy every minute you spend in this program.

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Which is the best course in IMT Ghaziabad?

Aarushi Kalra
Ishika BansalStudied at Institute of Management Technology, Ghaziabad (2019)

You should never consider a course on the basis of the placements they offer. Look at what interests you as that will be more fruitful in the future. Besides, you will notice that it is easier to learn something that interests you. This will also help you go beyond the basic course benchmarks.

With this interest, you will be able to build better skills, leading to hard work and subject expertise. In the long run, it leads to fame and in turn, work will come flooding in. You will get interesting work, a good package as well as job satisfaction and security.

You should look at how the specialization is going to help you achieve your goals. Each specialization will help you tackle a specific area in the field of management. There are six major specializations as far as IMT Ghaziabad is concerned:

  • Marketing
  • Finance
  • Information Management and Analytics
  • Human Resources
  • Innovation and Entrepreneurship

If you are keen on a particular specialization, you should definitely take that up. It will definitely help you excel in your career. Job satisfaction and growth will only happen when you do something that you have a genuine interest in.

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