IIM

With 95 percentile, you won't be getting calls from any of the IIMs. If you are interested in doing MBA only from IIMs, then go for CAT 2017, otherwise there are several top-level B-schools which you can get with your score.

The salary varies depending on which IIM you are talking about. Older IIMs provide around 16 lpa of average salary. New IIMs provide around 14 lpa average salary.

IIM-A/B/C/L/I are known for Finance.

You will get a call from every good college except IIM-A and B with this score. Your B.Tech score might be the reason for this.

They actually call regular students, at the time of application you shouldn't have any back otherwise no one will call you.

The earlier you start your preparations, the better and more continuous your academics will be.

Yes, you can take an education loan after completing your MBA from IIMs. All the reputed banks will be ready to give you education loan very easily for pursuing your further Masters.

The top 5 IIMs require 60% in class 10th, 12th and UG. Since, your past academic records are low, then you need to score above 99% to get a call from top IIM's.

You have chances to get admission in new IIMs (Sambalpur, Bodhgaya, Sirmaur and Srinagar). You have chances to get calls from IIM-Rohtak, IIM-Udaipur, IIM-Kashipur and IIM-Trichy.

IIMs don't offer a specialization. They offer a PGDM course (not an MBA) without any specific specialization. However, you have an option to select elective courses in the second year as per your interest. Even though you won't get a degree in IT in that case, but you'll learn about it and will have better chances of getting into an it company post MBA/PGDM.