My lower body is heavier from tummy till lower thighs can cycling help in reducing the weight of lower body i am 5.3 tall and 85 kgs?

Yes: Aerobic activity certainly can help. It is also very important that your reduce calories and especially reduce carbohydrate intake. Portion control is paramount.

Fat distribution: It is possible but unlikely that cycling will reduce weight in lower body. If you restrict calories and increase exercise overall, you will reduce total body fat, which would be good.