No. Vivo Y95 is not a waterproof mobile phone.
No. Vivo Y95 does not have the IR remote sensor.
Yes, Vivo Y95 does have the fingerprint scanner. It also supports the face unlock.
Vivo Y95 has an aperture ratio of f/2.0 for its 20MP front camera. While the rear camera has f/2.2 & f/2.4 aperture for the 13MP & 2MP cameras respectively.