Schools will usually only ask you your cumulative GPA. In which case, your UGPA is 3.9, your grad GPA is 3.14 (not 3.44).
Reading what you wrote, you have a shot. Obviously, Harvard and NYU are a bit different on the top-10 spectrum (though both are consistently ranked in the top-10). Your chances at H/S/W are going to be significantly impacted only because of your background and work experience. A ton of Indians will be applying to these schools and while your numbers are great, you really will have to make a case for yourself. Where are your leadership abilities both in and out of work? Where impact have you done for your organization? These are all questions that you'll have to address in your applications. At any rate, at a first glance, you do have the numbers to make it to a top 10 b-school, full stop. However, you will still have to show a lot of underneath the surface information in your application to tell the AdComs that you are better than all of the other Indian engineers applying.
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