hello sanskaar

I hope you are doing good . With respect to your query , I would like to inform you that at 44percent you are not eligible for cat and xats exams that require  for admission in bschools.  Moreover, you can apply in priavte university who gave marks only on basis of ug score like amity business school , LPU . You can go diploma courses from ymca which will be easier for you

Hope you found this answer helpful. Good luck for your future