Thank you Pratisruti...your approach is clear.  But is it acceptable too from NTA as well as from MCC during counselling.   

Hi Priyanka,  thank you for your prompt reply.  Need further clarification on the subject.  If I select NRI as my nationality, will I be considered only in NRI Quota seats (they are very expensive and we can't afford :)).  What if I  manage to get a decent score of 500+ am I still considered only in NRI Quota?  Request your input please.

Hi Divyashri, you will be considered under the category you chose at the time of filling the application form.

Dear Divyashri, selecting an option is easy but defining that option and explaning how you fall under that mentioned category is important. Cos its just not about affording the education but also you shouldn't be held for any wrongdoing be it innocence or ignorance. I would recommend you going through https://neet2018.net/eligibility-criteria/ for a better understanding of the quota for every category.Once you submit your application whether you select a NRI quota or Indian category, you in a way agree that you self declare that the information is true. This is verified at the time of counselling and if found to be false at any time, the admission of that candidate shall be cancelled immediately and criminal proceedings may be intiated. This is not an attempt to scare you by any means but advising the right way of doing it.