Jai Sai Ram!
If you are really serious, First Do M.Tech and then Phd. (Even after 1st year of M.Tech, Many inst. offer Phd). In commercial prospective M.Tech is in more demands compare to Phd, also You can choose both Corporate or Education industry. If only Phd, Scope will be very restricted and may leave only teaching line as an option. But before taking final call,, also consider other factors like your age, Back ground, interest, Career ambitions etc. also Kiit is not only an institute, which offer Phd, also check for alternatives.
For Temporary Finance options you can go as a tutor or part time teacher if feasible. This is an option, But also Just look around and see what are the other areas you can use your skills for financial gains.
But whatsoever Choose, Do with full confidence and firm faith on Baba. Time itself will lead you on right path!
om sri sai ram!