I have a suggestion that might help
I believe you can delay your joining into NFTI as a cadet pilot after being accepted.
If possible first pass all your CPL papers and DGCA RT exams before joining / flight training at NFTI .
If you can get the theory papers and RT exams out of the way then you can fast track your flight training
That way you will be in and out of flying school pretty quickly without the burden on passing the CPL papers weighing on you and having to spend money on interest payments ( if your theory papers are holding you behind )