As you want a comparison with PAF.one 12 month period that makes you look good means nothing. In years 2018-2020 India lost 33 planes. Yes, 33. Years 2015-2018 IAF also lost 33 planes to crashes.
That is 3 full squadrons of planes lots over a 6 years period.
No opinion, no bias here, just plane facts.
Between 2015 and 2020 IAF
Lost 66 planes to crashes
Retired 4 MIG-27 squadrons and 4 MIG-21 squadrons in same period.
So between 2015-2020 IAF lost 11 Squadrons to retirement and crashes.
Assuming all MIG-21 BIson Squadrons and Jaguar Squadrons will also be retired in next 6 years, and if historic crash rates continue, IAF will lose another 3 squadrons to crashes and another 14 squadrons to retirement. Total of 17 squadrons.
All you have currently on order to replace these is 2 squadrons of Rafales.
Let's see data from Scramble Aviation society and Aviation Safety Network:
Since January 2012 Number of PAF fighter losses: 30
Since January 2012 Number of IAF fighter losses: 46
Now taking into account the fact that IAF inventory is nearly two times larger than PAF, IAF crash rate is relatively lower.
More importantly 20 PAF pilots died in this crashes in comparison only 8 IAF pilots died.
Which proves IAF is much safer.
Other misinfo in your post is that India will retire all Jaguars which 100% wrong as IAF chief himself confirmed that 3 Jaguar Darin-III squadrons will remain till 2037 and HAL last month started manufacturing AESA radar parts for the 56 Darin III.
Also just one week back MOD announced that India will sign Mk1A deal in February (if no MK1A deal is signed by Feb 2021, I will donate $1000 for charity of your choice).