No. You cannot use the 3G network on Jio Phone 2. You can use the 4G network and 2G network.
Yes, you can use WhatsApp in Jio Phone 2.
No. You can use Instagram website but you cannot use the Instagram App on Jio Phone 2.
Yes, Jio Phone 2 does support the Punjabi language.
Yes, Jio Phone 2 comes with pre-loaded FM radio. You can even record songs which are broadcasted on FM radio.