Does this unit come with the100 AMP main breaker? Thanks

Yes it has main 100, 2-2 pole 30 amp, and 3-1 pole 20 amp breakers

Ground bar...yes or no? Description says "Includes a fully distributed neutral bar" however I see comments from purchasers that are contrary.

There is no separate ground bar. If it is used as a primary panel, there is a screw included that you can use to ground the neutral bars to the panel, and you can connect your ground wires to the neutral bars. If it is used a a secondary panel (ex. in a garage) you need to buy a ground bar, because the neutral and ground need to be separate.

After installing all circuit breakers there are 2 rows of unused pop outs at bottom, but nothing behind to attach more breakers... what is purpose?

Probably fits anouther panel with more breakers

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⚡ Power your space with precision and speed!

SPEEDY SETUP - Plug-on Neutral design slashes installation time—get your project live faster and cleaner.
BUILT TO LAST - Tin-plated aluminum bus bar and welded steel enclosure with baked enamel finish for ultimate durability.
SPACE MAXIMIZER - 24 spaces supporting up to 48 circuits with tandem breakers—future-proof your electrical needs.
CERTIFIED CONFIDENCE - UL Listed and engineered for both residential and commercial applications—safety meets performance.
POWERHOUSE PROTECTION - 100 Amp main breaker ensures robust, reliable circuit control for your home or office.

The Square D Homeline 100 Amp Load Center by Schneider Electric is a UL-listed indoor electrical panel featuring a plug-on neutral design for faster installation, a durable tin-plated aluminum bus bar, and a 22 kA breaking capacity. With 24 spaces supporting up to 48 circuits, it’s engineered for reliable residential and commercial power distribution, combining efficiency, safety, and long-lasting performance.

₨12537

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Manufacturer	Schneider Electric (Home Improvement)
Part Number	HOM2448M100PCVP
Product Dimensions	9.53 x 36.2 x 66.14 cm; 0.28 g
Item model number	HOM2448M100PCVP
Style	Load Center
Material	Aluminium
Voltage	120 Volts
Amperage Capacity	100 Amps
Item Package Quantity	1
Plug profile	Surface Mount
Certification	Ul Listed
Special Features	Plug-on Neutral ready
Batteries included?	No
Batteries Required?	No
Item Weight	0.28 g

Square D by Schneider Electric HOM2448M100PCVP Homeline 100 Amp 24-Space 48-Circuit Indoor Main Breaker Load Center with Cover - Value Pack (Plug-on Neutral Ready),

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