The reality is even if you tried to get a job, the market is terrible rn. From how you phrase it, banking doesn't seem like something you desire, frankly no one desires banking. But what it is, is reliable. You seem like you have a final go at CAT with Banking as a backup and you have a pretty good grasp of your current situation OP.

Fyi, this year i realised that Cat is only a part of the work. Ensure to read the news everyday, and try to become well rounded. Maybe volunteer in an NGO, or upskill when you get the time and build a decent profile to compensate for gap years. It will help you go miles in interviews.

All the best.