Need advice on split to focus lower body more

F 27 here. 160 cm height and 60kg weight

I've been going to gym for a year (not so consistent tho) PPL is my split so far (3-4 days a week). I do very less cardio. Now i really want to be more serious in toning and losing a bit fat too. Also my lower body has gone haywire. I hate it so much. How can I focus more on my lower body. I would like to grow my thighs and glutes someday but now I need to be in calorie deficit so that I can get rid of my fat especially around my belly (I haven't been following calorie deficit for some months now)

Also,

1. Being in calorie deficit and adding more cardio would be sufficient?

2. Also can you please suggest me a good split.

Is working out lower body three days a week too much? (I can workout 6 days a week)

thank you so much in advance for all the tips!!