Yes I have more than 50% in graduation, But what should be the CAT cutoff percentile to get into IIM (either Kochi, kozhikode or Vishakapatnam) , Work Exp of 5.5 years as well

If you have a work ex of more than 5 years you can consider Executive MBA as well because when applying for normal MBA they usually consider 2-3 years of work ex. as ideal and anything more than that might act as a deal breaker for you. Apart from that executive mba's is a 1 year program and with your profile you can easily apply and try to convert IIM Kozhikode and if you work you can even get IIM A,B or C so I would suggest you to get a more clear idea about it, that what you want to pursue. If you want to apply for CAT then also these colleges are decent and you can expect to convert them if you tackle the questions effectively.