Due to your below-average 10th score and the fact that you do not have any relevant work experience, you might face some difficulty but there is a possibility that these universities will contact you for an interview; nevertheless, this is not a given. Never give up on your hopes and faith. CAT percentile, academic background, work experience, extracurricular activities, and other variables influence whether IIM ABC or FMS Delhi calls you. Despite a 98 percentile CAT score, elite B-schools may not call.
These institutes weigh diversity and academic diversity in their selection process, so your academic background and OBC status may help you. These institutes' cut-offs may change year to year depending on candidates' CAT scores.
However, with a 98 percentile CAT score, you may receive calls from top B-schools. To improve your chances of selection, focus on your entire profile—academics, work, and extracurriculars. All the best buddy!