we are currently using 2.3.3 . I it necessary to upgrade the version 2.3.x to 2.4.x or we can keep using 2.3.x ? can anyone explain it a bit
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Well, you could upgrade to 2.3.7, but eventually your application will fall behind with regards to compatibility with the latest versions of services like PHP, MySQL, etc. Take a look here https://devdocs.magento.com/guides/v2.4/install-gde/system-requirements.html and you will see for example that 2.4.x supports Mysql 8.0 and 2.3.x only 5.7, or that Magento 2.4.5 will support PHP 8.1, but the 2.3.7 supports only 7.4.
In addition to this, as per the lifecycle policy documentation: which means that starting April 2022, all 2.3.x installations will no longer be supported and no security patches will be provided for them, which in turn, means that your application will become vulnerable to security issues.
Moreover, staying on 2.3.x means that you will not benefit of the latest fixes and improvements of the core functionalities or new features that are launched with the 2.4.x version. I find that this article https://blog.magezon.com/magento-2-4-vs-2-3-a-complete-comparison/ sums it up pretty well and you can also check the official release notes for 2.4.x to make an idea of which are your benefits if you upgrade to this version.