95% of the time you can look to operations and/or maintenance as the cause. The aircraft itself is usually not to blame.
Indian pilots do fly a lot. 250+ hours for frontal units as per some sources given that they face two nuclear-armed enemies.
http://forum.keypublishing.com/showthread.php?48916-Countries-with-the-highest-flying-hours
Comparing with Russian accident statistics is not exactly a realistic thing. Russian pilots, since the fall of the USSR, have seen a steep fall in flying hours. You don’t fly, you don’t crash!
India’s problems stem from a number of factors: the fact that advanced jet trainers were delayed for two decades, lack of quality spares (caused by the fall of the USSR and breakup of production units there) and a absence of strategic planning at both government and military levels.