No. It is mandatory that you have to use Jio sim card in JioPhone.
Yes, You can use a MicroSD card up to 64GB in the JioPhone.
Yes, JioPhone does support Live TV. You just need to select the channel, which you want to watch and hit the button "play".
Yes, JioPhone does support the Marathi language.
Yes, you can type message in the Gujarati language in the JioPhone.