Megha,
you mentioned this
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cardio includes a 20 min treadmill, 15 cycling, 15 elliptical, 5 mins rowing and 5 mins stepper. plus abs which has crunches and rowing
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cardio are those that help reduce the fat in our body. you should always start with workout. not with cardio. In that way, all your glucose are consumed by workout exercises. Then when you do cardio, your fat loss starts. Also remember this cannot happen just like that. the more you do cardio after workout, you reduce weight in long term. your body's Metabolism should get set. then things will change.
some times, your weight can increase by 5 kg. but at some point, it will start going down. hence dont worry abt timing. follow what your trainer says.
@lifemojo: one request. In india, weights are referred in kg unit. can you make sure u r not using pounds??