May I convert Btc or altcoins on Binance to cash and directly transfer to my bank acc?
Yes.
Binance have P2P transactions where you can sell your cryptocurrency like USDT, BTC, and others to your local currency.
Accessing p2p depends on your country because some countries are restricting their citizens from using Binance, and as such, there are not in p2p transaction.
If your country is not active in Binance, you can send your USDT to any exchanges that support p2p of your country for easy cash out.