It's not all about the scores, and being a woman and an international applicant, you offer diversity that the average applicant cannot. True that there are plenty of Indian applicants with IT backgrounds applying to b-school, but not necessarily to the schools you are listing. Ask yourself how you stand out amongst your peers who may be applying from a similar background and highlight these distinctions in your essays. 640 is a very respectable GMAT, so don't lose heart. It's likely well within the 80 percent range for most of the schools you listed as your targets.
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