6 months left for MAINs, DO YOU THINK IT'S WORTH TAKING A DROP NOW???

yeah nearly 6months left and is it too late to take a drop?

My story: got 95.5%ile(29s2) my maths syllabus is almost finished(99% syllabus is finished ig) even in mains i got aroung 50 marks, phy syllabus also finished with some holes in my prep here and there. In chemistry though i have just basic understandings of every chapter, thats it im not good in a particular chapter in chemistry. Man the reason why i scored this low is my shitty coaching they never let me prepare by myself, (understandable) yeah they never let me be absent so weekly I used 1 or 2 days off to learn online and i still think I have the potential in me to get good marks.

So will it be okay for me to take a drop??? Well the thing is i dont have any college secured now except for a bangalore university but its fees is just 1-2 lakhs less than BITS fees and its package isnt more than 14lpa will have to take a loan for it, got around 2 weeks left for bitsat idk how well I'd do in it. Idk if i can do drop because it requires high level of self commitment and idk if I'd mess up my drop. Note that i wont be going to any offline coaching for drop rather will study everything online.

Thank you