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Hi !
The eligibility of giving NEET is 50% from any recognised board like CBSE or any state board , since you have scored only 39% , you are not eligible for giving NEET. 3 year BSC course is not an issue and the the physics subject in BSC. So, you cannot give NEET because of your marks in HSC examination.
Check out the following website for more information:
https://medicine.careers360.com/articles/neet-eligibility-criteria
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