@Keshav AB To answer your queries :
1. If there is 25k threshold limit after which FD is created which then gets used for IPO application, you cannot do the same if you have only 15K funds.
2. You can try to seek IPO funding or overdraft against your FD to apply across IPOs
3. Cannot apply BHNI with only 2 lakhs, BHNI itself means application amount is above 10 lakhs.
4. There are some handful applications to check allotment status available on the app store.
5. Yet to hear about any API which lets apply IPOs, by any broker
6. Maintain separate track and excel records for seamless applications across multiple accounts
7. SCSBs banks along with other features that are particular to every person should be the choice before choosing the bank. Same applies for broker selection which involves ease of usage, charges, interface, customer support etc.
Try to find a balance of the above and choose wisely
And as a suggestion, try to write your queries in one go or wait for them to be answered and then ask another
Hope it helps !!