Australia

Dear Vora,
Your CGPA qualifies you for a Master's degree, however, the IELTS requirement in most of the top universities is an overall score of 6.5 with no band less than 6, again you need to check the requirement with the university you are applying to or else select the ones which will take you with these scores. The next choice is you retake your IELTS after some coaching and score higher.

Dear Upendra,
To be absolutely sure you would need to at least 8.5 or higher in each section, that is if you are looking for a scholarship through IELTS.
All the best.

Atleast you must have 7 to 8 bands to go for Australia and Canada specially. So you are not eligible.

Dear Samir,
Yes, you are eligible as the cut off for most Universities is 65%, however it may vary from University to University, check out with the University you want to apply to, if I may suggest check out Deakin, RMIT, University of Sydney, UOWS to mention a few, however please select a course of 2 years duration as 1 year one will not make you eligible for a Post study work visa.
All the best.

Dear Dorothy,
You will have to check with the University you are applying to. As such they do not have scholarships like the USA, at the most if you qualify you may get some concession on the fees and in most cases it is limited to 25%. There is a scholarship for toppers in IELTS but again restricted to the top 8 or 10 students.
All the best.

Dear Jansen,
Yes, Australia is absolutely safe, if you feel safe here in India then it is the same there as long as you take the same precautions you take here, go ahead and do your B.Com there and specialize in accounting and auditing as there is a good demand for the same.
All the best.

Hello,
It is too low to get into the good universities in both Australia and New Zealand. The minimum entry requirement would 6.5 band. I would suggest you to re-attempt the IELTS Test.

You need at least 7 bands to apply for both the countries.