Is it the right time for me to appear for GMAT and apply for B-schools ?

MBA
1

Total experience : 1 yr,11 months 3 months of experience in NGO,1yr 8 months of experience in IT industry 10th - 85% 12th - 63% B.E(computer science,2007 batch) - 63% Appearing for GMAT in august , total experience at the time of joining…

2

Total experience : 1 yr,11 months
3 months of experience in NGO,1yr 8 months of experience in IT industry
10th - 85%
12th - 63%
B.E(computer science,2007 batch) - 63%
Appearing for GMAT in august , total experience at the time of joining :
May intake : 2 yr,10 months.
September intake : 3 yr,2 months
what score should i target to get a call from schools like : ISB,GLIM (india)
NUS,NTU (singapore) and AIM,manila
Few top colleges in U.K (1 yr program,budget - 20 lakhs)
Is USA out of reach with this budget and experience
can't afford to spend anything greater than loan amount
Please suggest ...