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Hi Anand,
2015 is almost 4 years since you completed your graduation. Firstly, I believe you have some explanation for these 4 lost years - either some courses or Part Times or something else.
Secondly, 65 percentile is too low to get a seat in any of the top IIMs or any of the top B Schools. However your can try for some Tier 3 B Schools or local colleges. Either way it won't make a huge difference.
So, my suggestion would be that you join a job for one year, get above 99 percentile in the next year CAT and try finding some explanation for your 4 missed years. With 99 percentile, you maybe able to get into the babay IIMs for your profile.
All the best
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