Do I have any option for PhD? I have scored 49.65% in my B.Com.

oh sorry man... 50% is the minimum eligibility ... my suggestion go another master degree.... do hard work..scored gd mark.. all the best.

Dear avinash Every good universities require min 50% in master degree to apply for PhD programme but they also Consider good academic record approx above 60% in master degree. So sorry to say you have no chance to get admission in PhD programme. All the best