Yes, you can connect the JioPhone with computer.You can also charge it via computer.
Yes, You can type in Malayalam language in JioPhone. JioPhone supports 22 Indian vernacular languges.
No. It is mandatory that you have to use Jio sim card in JioPhone.
Yes, the JioPhone does have FM radio. In fact, it is wireless FM radio. You do not require to use the earphones to use the fm radio.