What's your financial background ? If you have money, do MS... Preferably in AI/ML your chances of earning more and better life outside increases many folds.
If you don't have money, even after loan you will be too pressurized there.
In India at your experience you will be asked about data structures, algorithm questions and few design questions if you apply to product based companies.
fyi: 3.6 yoe doesn't make you a senior systems engineer.. If you highlight this, be ready to get tackled... System engineers are too passionate people.