I am20+ surrounded by bulk of responsibility my father works day night to earn a bread for us and my mother too but i have no hope of my career i am a loser with average acadmic and skills i really feels to end life but I can't be so selfish my family needs me but i feel can't crack sbi i am weak

Ayush, you did mention that there are responsibilities that you need to take on your shoulders. You did mention that your parents are working hard. And when you know you have responsibilities, you have to work on your shortcomings and work to overcome them if not overnight, atleast after sometime. Sitting and worrying that you aren't able to do anything about it does no good. If this is the plan, things will never work in your favour. 20 is an age when most people are still doing their Graduation and it is not late an age. In India you are not even an adult until you are 18 and you can work only after 18 which is Technically the First year of your Graduation. Now no company offers jobs on the basis of your 12th. If you are 20 and you think you are late, it is offending all those people who are in their 20s and are still pursuing some course. It is ok to be worried about the futyre. It is okay to be afraid and concerned too. But what is not ok is only whining that you have wasted time. Infact all through this process, you are adding more months to the time that you have already wasted. And if this continues, we are afraid that you will be 21 but still would be worried that you wasted years. This time it is 3 years instead of 2. We can give you Academic advice. But whether to move on and achieve something or dwell in the past is totally up to you.