I dont know exactly what you are asking.
If you have them in a paper or hardware wallet, youll need to transfer them to an exchange first, and then to what I have explained before.
It is still possible to convert directly by selling either in local exchange and sending to bank account.
Yes , there is no such problem of connecting bitcoin with your banks .
I suppose you are from India . India has its own bitcoin exchange called "zebpay" where you can transfer your bitcoin and then change them into your fiat after filling your bank account details and all other formalities . This is the easiest way to connect with the banks.
If it is really the case that in India, you can transfer bitcoin directly to a bank account without first converting it to fiat, then maybe India has formally accepted and regulated bitcoin transactions- is it like all bank account has been linked to a bitcoin network? Is zebpay registered by Indian financial institutions? but if it is going to be converted to fiat before getting to the account, that means it is virtually what many other country users do.