M.Com

Congratulations for your score and such good profile.
KIAMS has finance as an option for PGDM, but marketing is more prevalent in KIAMS.
Companies generally come for marketing profile though finance companies do come.
But you can go on for better college as your score and experience is good.
Another option which you can go for is to try and give 1-2 other exams which will open door to even better colleges and it will be in best interest as per your profile.
Hope you got an answer to your question.

You can opt for small certification courses like Tally, SAP and Advanced excel. After completing the certification do an internship from a good firm.

Pursue SAP modules in accounting and finance from recognised training institutes in India.They also assist in placing you in different financial companies or firms. For more details, kindly visit the respective website of SAP or https://shiksha.com/Courses/SAP.

PhD gives values and MBA gives earnings, so you have to decide yourself. Both have different careers.

Yes, it is quite possible currently as per the system, you can surely pursue both the courses at the same time in the manner stated.

Some state government scholarships there like UP scholarship, Bihar scholarship, Jharkhand minority scholarship, etc.
Or
Go on National Scholarship portal where you get better minority scholarships like umbrella merit scholarship, merit cum minority scholarships, post metric minority scholarships, etc.