NC-OBC 99.63 percentile with 95/95/87 academics is borderline for IIM A call, and the thread had exactly this candidate (Comfortable-Excuse99) getting rejected. IIM Ahmedabad (Rs 27.
5L fees, Rs 35.22 LPA avg) shortlist for NC-OBC requires roughly 99.5+ CAT with strong profile.
NC-OBC gets ~10 percentile effective lower cutoff than general, but 87 in UG is on the lower side for IIM A's composite calculation. IIM A composite for NC-OBC: CAT 30%, 10th 10%, 12th 10%, UG 15%, gender diversity 5%, academic diversity 5%, workex 10%, WAT/PI 15%. Your 95/95 scores are strong in 10th and 12th but the 87 UG hurts; IIM A prefers 90+ UG.
Realistic outcomes: IIM A call probability ~40%, IIM B ~50%, IIM C ~60%, IIM L ~80%. You also qualify for all new IIMs and CAP. The thread outcome of rejection suggests the profile weakness is in UG percentage for this specific shortlist cycle.
Apply to FMS Delhi (Rs 2.43L fees, Rs 34 LPA avg) where NC-OBC cutoff is 88-90%, you easily clear. Apply to SPJIMR (Rs 26.
5L fees, Rs 32 LPA avg) where your percentile stands out. If you got rejected from IIM A this year, retake only if UG is 90+ and you can push CAT to 99.8+.
Otherwise join IIM C/L where you likely have calls. Check your eligibility at collvera.