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Be realistic about the time your tasks will take

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Assiduously shielding its loan book from the flying debris of India’s $207 billion bad debt crisis, HDFC Bank Ltd. Has kept its balance sheet in a near pristine condition. The aura of invincibility bestowed by a 1.26 percent soured loan ratio compared with almost 10 percent for State Bank of India and 25 percent for IDBI Bank Ltd.

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