It seems from your story, it's not her who has the problem. It's you who's got no BALLs to open up to her. I know things can get complicated in our society, but once you get settled down, it will be allright with her parents and her too. I'm pretty sure you're a descent guy, educated and making a living here, I don't see anything better for her than you. Her parents might stick with their Jaat, but it doesn't necessarily mean someone who will love her, like you do.You do the math.
This is your golden chance, don't miss it. Go back and propose her. I would not recommend doing on the phone from here, things might take the wrong turn. Face to face is better.