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Yes, Samsung Metro XL does have flash with camera.
No. You cannot use Jio sim card in this phone.
You can set up to 10-speed dials in Samsung Metro XL.
Yes, Samsung Metro XL does have FM radio.
No. Samsung Metro XL do not support OTG.
What I liked most about this phone is the user interface. It is very simple and people of all age can use this without any trouble. It has local language support. And the phone battery is excellent. With lot of calls, a little bit of internet browsing - I need to charge only once in 3 days. The display is quite big and overall, this phone is truly Pocket Main Rocket.