Using a FIU registered exchange to convert your cryptos to INR will ensure your bank account is not frozen. However, you will have to pay 30% tax for sure. So rather than using any random service, use CoinDCX.
I am not wrong even the FIU registered exchanges doesn't have BTC/INR pair, so we have to take the risk of p2p only if we really want to convert to INR. I still use p2p but on paxful with some verfied traders which holds the risk but it's a lot better than Binance p2p because mostly the place is filled with scammers while on Paxful there are some legitimate traders who pay using payment processor. I guess it brings some security when we are getting paid using processor instead of direct UPI?