Hey there good sir,
So a few thoughts. First and foremost, I think you might want to give up the idea of applying R3. There are VERY few places, and as an Indian Male Tech, this is not to your advantage. However if you mean you want to apply NOWish, you have options
1. INSEAD - instead of R3, R1 for January 2. IE - they don't have submission deadlines anyways, so you're good here 3. IESE - You likely won't make the March 2nd deadline, and the last round should be a no-go for you, so wait until next year.
Now that that's out of the ay, let's have a look at your profile:
The challenges:
- Indian/Male/IT
- Low GPA
- No job
The Good stuff:
- GMAT
-Some international experience
I think that you may be being a weee bit ambitious with your school list there. INSEAD and Oxford will likely be longshots for you, so you may want to look into some other European programs.
To answer your specific questions:
1. Don't worry about the low IR score. It's the main score that counts here. And there you did a fantastic job!
2. It doesn't "ruin" your chances, but it does make things harder. If you had good solid reasons for quitting your job, you can let them know, buuuuut keep in mind that since you will likely be applying next year also (and then in that case not matriculating until 2015) you should try and get a job ASAP, because although the Adcoms might be forgiving for your not having a job for a few months because of family, they will be less forgiving if those few months become almost two years.
Hope this helps!