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It is simple.
Step 1 - Know if you like numbers and lot of calculation and formula if number of Finance is out of your bucket.
Step 2 - Are you interested in earning money? You can't sit at one place you need to or like to interact with professionals every day, you are ready for a rigorous work, choose Marketing.
Step 3 - Do you like a stagnant life, fixed income interact with new people fresher etc. go with HR.
In simple words, when marketing is compared with Finance and HR, there is more growth in your life, but be ready for some field work ( not selling door to door ).
I assume you already know the difference between Marketing and Sales.
Marketing will fetch you more money and experience as a fresher, by the end of BBA you will be able to decide what will be your cup of tea in MBA. For me personally HR and Finance sounds very executive but at some time these things will get boring, choose wisely.

These days the professionals and students are looking for some short term finance courses that could help them learn finance related nitty-gritty in a short span of time so that they start doing their job right from their first day of working. Companies too are looking for such professionals who are trained and skilled in the art that industry is looking for and this is what the objective of 1 year finance course provided by ICoFP, one of the renowned names in the field of teaching finance related courses is.
Some of the important short term finance courses are:
PGD in Financial Planning
MBA in Financial Planning
MBA in Financial Analysis
Certified Financial Planner

As fancy as a course of biotechnology sounds, what most colleges/universities offer in the name of biotechnology is life sciences. Yes, you heard that right. Biotechnology= Life sciences with a special focus on applied techniques like PCR, Western blot etc. (I. e. if you join a really reputed college). And that is not a bad thing. For e. g. in St. Xaviers Kolkata, you would study genetics, cell Biology bioinformatics, enzymology, immunology, ecology and evolution etc. In the Biotech integrated course. It gives you a broad perspective on a lot of subjects. Now that I have laid the groundwork, lets answer your first question:
You should continue with biotechnology because it gives you knowledge about a wide range of field. In case you want to pursue Ph.D. afterwards, it will help you to figure out what you actually like. It also acquaints you with a wide variety of applied lab techniques like PCR, mass spectroscopy, Western Blot, Northern Blot etc. This will help you if you want to join a company like Biocon. Besides, specific courses like Genetics, Molecular Biology biomedicine or any other course has the same practical course, so why limit yourself to one subject when you can broaden your knowledge. As for your second question, M.Sc. And MS are the same degrees with different names, at least in India. M.Sc. Is the name of the degree in India. A lot of Indian institutes like IISERs also use the name of the degree as MS. The degree might vary in other countries. In USA, MS means you are a Masters in engineering sciences. But in UK, its meaning is same as that in India. So in Indian context, there is no difference between the two. So there is no better option.