Hey Anshita

First of all I want to tell you that if you wantt o do graduation and persue post graduation after this then please dont tak egeneral bcom and only go for bcom honours , no matter which college provides it. As for your chances in admission to the mentioned colleges I am sorry but Narsee Monjee has a cutoff above 91.8% for general category and St Xaviers too is expected to have a cutoff above 91% for non christians. HR also has a cutoff above 90% and Mithibai and RA Poddar will have no less than 90% as they are premiere colleges. Moreover this year most cbse as well as isc students have got higher than usual marks hence the cutoff is only expected to increase. You can check out the full list at https://university.careers360.com/articles/mumbai-university-cutoff#Mumbai-University-Cut-off-2020--Expected There are some colleges mentioned in this list where you can get admission. All the best.