Keeping money in banks is a safer option when compared to holding money on exchanges.
But don't you think that it would be harder to sell all the crypto holdings for INR and then hold it in a bank.
If someone got the intention of buying crypto again with that money then their safer bet is stable coin possibly USDT so they no need to safe any delays when they need to buy the crypto back but holding crypto or fiat in crypto is always a risky choice. But as far as I know we can't hold INR in any exchanges since wazirx so our choices are p2p, in that the only option is receiving INR into bank account or use it to buy crypto.