BCA

We cannot compare BCA and B.Com because they both are different paths. If you have interest in computer programming and all then you can apply for BCA and if you don't have interest in computers, then you can go for B.Com.

Your percentage is very low. You can apply for the college that do not have percentage criteria for the admission. As per my suggestion, you shouldn’t apply for BCA because when companies will come for placement, they would not allow the students to sit with less than 60%.

Yes, there are many colleges that take direct admissions. Therefore, you can apply for them, one of them is Teerthankar Mahaveer University.

Fee depends on the colleges and also, you have to see that the college is providing reservation or not. Generally, if the college provides reservation on fees then fees for reserved categories (SC/ST) is less.

You are eligible for BCA if you had maths or computer science in your 11th and 12th.

Comparing these two, BCA is a better option as BCA course is very demanding and has a huge scope after completing the course.

Karmaveer Kakasaheb Wagh (KKW) Institute of Engineering Education & Research, Nashik is the oldest engineering college in Nashik. Yes, KKW provides BCA course.

Visit the Shiksha link given below to get details about BCA colleges in Mumbai:
https://www.shiksha.com/it-software/colleges/bca-colleges-Mumbai-all