<p>Colleges know the education system here in India. Adcoms know what they are talking about. You won’t be penalized for studying in India, I am sure not everyone takes PCM here. Commerce is not that easy as your post says Darth (Even though I am a Sciencey 
most of my friends have taken up commerce in 11th ). As far as your friend is concerned, Yes, PCMB is very hard to manage, especially with the JEE prep. Relax.
Anyway, if you have any colleges specific questions, just email the admission offices( they are very helpful ).
Just focus on your SATs for now and maintaining a high GPA and you should get into some good schools…:)</p>