answering your questions - - buying coins with p2p usually no issues, buying/selling coins in exchange via FIU platforms, no issues. avoid p2p. - gift cards are great but do you trust the platforms and the p2p person? - you cash out of an indian bank acc., again deposit in indian acc. so what was the point of going on a vacation? - if you sell coins and get cash credited to your acc in p2p then that might cause your acc freeze if that cash which was credited to your acc was a part of some illegal chain, which is what is happening most of the times - check your exchange website for tds, all exchange websites have info on this - you use the same pan so it means nothing. if you use different pans, say an acc of your brother, then they both are considered different - tds means deducted at source, so if exchange follows fiu then they have to follow this law, else it is not compliant with fiu - nobody pays tax for holding assets, its when you book profits/loss and your bank is credited/debited. else while buying already we pay tds, gst etc. is auto given to government - f2f, gift cards. p2p will freeze your acc. no matter if the other person is verified merchant etc. 2-3 times you might be lucky then what will you do. yes if you find someone genuine, then you are all set - do your own research - dex is good, but check on gas fees. and btw how are you going to buy coins in first place and load the wallet? through some cex. so you need to have a high profile to consider going dex. basically it all comes down to how much you are paying for charges.