There is armor on a tank yes, but tanks still have vulnerabilities, especially in 1942, and I dont think under a tank would be as Armored underneath as the sides and top due to un-needed wieght, a Grenade very well could hurt the tank if it was under it, or near the tracks. A fragment grenade also throws fragments out all around and The tank shells don't which is why your grenades took out more men then a tank shell.
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