Nice build bro
I think u can go with 32gb of ram 16x2 kit
I am too from India and now is right time to order because price of parts is going to increase after lockdown is removed
Hope I helped
Bined chip nothing but quality chip here chip is the gpu.Have u heared about silicon lottery it is the same.
There is possibility that one of contact of gpu may be damaged or any of contacts in motherboard is damaged ,can't say which one
I have heared that axle3d or inno 3d use not so bined chip so that they could cut cost
I.e The whole GPU is somewhat cheaply made and all those components are also cheap may be because of this ur getting these kind of problems
May be thermal paste is getting bad.
Check idle temps and stress temps by using stress test and compare it others p106
I don't think GPU dying.Its mostly due to bad contact between GPU cooler and GPU.If u can replace thermal paste it should be solved
Hope I helped