Hello Mithun,
I would advice you not to go for Navratan as Saturn’s gem is incompatible with gems of Sun, Moon and Mars.
But looking at your post, I must say that Neelam (or blue sapphire) will be a good decision and will be in best interest of you.
Your sister (whose marriage talks are going on) should continue to wear Emerald, as it is assumed that she had worn Emerald on calculation of graph position of birth chart.
Now, coming to your second query; Ruby is related to Navel chakra of the body. It helps to unlock this chakra. This leads to a powerful sense of responsibility & leadership. It promotes a sense of self dignity and removes depression.
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