1st of all, u should remember most of the usa univs don't accept 3 yrs indian bachalore degree. in that case, u might need to do ur master degree in india and come to usa to do ur phd or 2nd master degree. again there are some small univs which accept 3yrs indian bachalore degree. if u want to do ur master degree in finance or business management, u will have to write gmat. how much money u need to show in ur bank a/c, it depends on the univ where u will study. ur relatives can help u to pay ur tution fees. but at the same time u should remember that if u tell that u have relatives in usa, u might face problem to get visa.