this is like arguing with religious people..
crew overhead cover? it seems like you don't understand how compartmentalized ammunition works. the system is simple. you put the ammunition inside a separate ammunition bunker, like this one for example:
now the bunker side walls needs to be pretty damn thick, at least 40-50mm of steel. on the roof, you add a plate that is much thinner, and loosely bolted on, and you have a secure blast door for access into the bunker. now. if the ammunition bunker is hit, from the side for example, instead of the rounds exploding into the crew compartment, the propellant gases are vented upwards through the thinner roof plate blowing it off, thus saving the crew from being cooked alive. naturally, the tank is rendered combat-ineffective, while the ammunition cooks off, and it might catch fire, but it will give the crew time enough to escape alive, and possibly drive the tank out of danger
now, on the arjun, the ammunition storage looks like this:
this is an ammunition stowage rack. it is not a blast door. those round things grabs onto the back of the cartridge and holds it in place.
however, if any of the rounds in the ammunition bunker is hit, those levers will break, the stub of the round will fly into the interior with a propellant jet following it, and the heat of the round will cause the propellant of the nearby rounds to catch fire as well, causing a chain reaction of fiery death. finally, the heat and pressure will cause the plastic explosive in the HEAT and HE rounds to detonate, ripping the turret rear apart in the welds, and possibly partially ltugging the turret off at the race ring.