Well. I didn't understand this line: " i know how life at Nirma is and i can find many ways to live with it".
And which mock cat have you scored 91 in? TIME in my opinion is surely the best in terms of participating and quality of competition.
And, please don't give up IIMs just now

. Have confidence in yourself. Am sure you would do well. And don't think about the expected percentile right now. Just give in your best and let the results come out. Then we'll talk abt percentile cut-offs. And getting in without Work-ex. for e.g. at 92 will be slightly more difficult than with work ex. However, it should not deter you.

ATB