With the increase in the repo rate, there will eventually be an increase in T-bill yields. With this, investors get higher returns on investments. So its very important to consider the general economic situation and future interest rates in the coming years. The interest rate will continue to rise in the future. So locking in your investment is a good move.

The Indian Income Tax Department clearly states that you must pay a 30% tax on cryptocurrency profits. There is no other way to avoid this tax.

It is a great time to buying a property in Surat as there is a stable growth, which makes it a good time to invest in real estate as you have a stable income and savings. Its better to sell that old apartment as you are not going to live there in future. About your queries:

Buying a land means longer construction time, more involvement in the process, increased cost. But buying a new flat gives you a facility ready-to-move-in with less hassle. The real estate market is very dynamic. Waiting for a best property may be offers you great results but it may also mean missing up the best opportunities. Your financial status, market trends, property location, legal clearances, resale value, tax implications. These are some factors which you need to consider before buying property or flat.