Thank you for taking the right decision in approaching counsellors at Mera career guide. I am certainly happy to help you today. I have been counselling students for education and career for over 23 years now. I can guide you today on this matter.
Its great you wanted to do Phd, as not every one wanted to stay in education sector and achieve highest academic degrees and start career in teaching. One reason could be for this is students rush to jobs and earn money. But those who are directed to do a Phd can achieve big things because they have done careful analysis of what they want in life. They can achieve big things in life. So i heartily congratulate you for that. I have done a bit of research for you and here is my advice.
Its great you have a 4year bachelor degree. Its also great you have a Masters in Management degree. But what percentage did you get in both these degrees? Did you get above first class or achieve first class in both these degrees? Universities in India demand students to have a minimum of first class in both Bachelors and Masters degrees. But as you are from reservation category, all the universities will relax up to 55% but then seeking admission is very competitive. Having above first class will keep you comfortable in my opinion.
You have written UGC-NET for lectureship. You are well qualified to apply for PhD Management applications. But if you are aiming govet institutions like the IIT's, University of Mumbai, Delhi, Bangalore, Calcutta and other state colleges then UGC-JRF is must for seeking scholarships. So the criteria to apply for admission is to have a UGC-Net and for scholarship it is necessary to apply for UGC-JRF.
But wait a minute. Relax. Do you know top, highly recognised and famous institutes can still consider you application for scholarship with your UGC-NET score card? IIM's all together accept you for scholarship if you have written ugc-Net at least. ISB Hyderabad doesnt want a NET score for scholarship as all students admitted automatically receive scholarship. But they demand you to submit GMAT test score. IITKGP, IIT Madras also doenst want a UGC-JRF for applying to scholarships. If you are qualified for a lectureship at least, they are very happy to select you and give scholarship.
Please write back for further help. Good luck.