Poorva Ji ! It is grossly incorrect information that one has 95% chances of HIV after 3 episods, in India. Totally misleading statement. Relax, there is a very strong possibility that none of your partners have HIV, in that case your probability was zero, because nobody can give anything, he does not have.
Although HIV transmission is not a game of numbers and probabilities, it is assumed that for a woman, chances are 1:1000 for a single act of unprotected vaginal sex with a positive partner.
Having said that, since you were involved in unprotected sex with partners of unknown status, get yourself tested for HIV antibody after 3 months of your last exposure to get a conclusive result. From now on, always say NO to unprotected sex with anyone outside your mutually committed relationship.
Statistically no matter where, a chance of HIV transmission through vaginal sex is 1:2,000, considering the partner has been indeed HIV+ by the time of intercourse. If you do unprotected vaginal/anal sex with a non-committed partner, then go test at 3 months post-exposure for a conclusive result on your HIV status.