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You better ask this on an Indian forum or an Indian price comparison site or an Indian review site or your friends of course. They all know more about shops and models and prices in India than we know here in the USA.
Please realise that a phone might be cheaper if it is linked to an expensive subscription than if it’s simlock-free.
By the way, I see you posted you question about smartphones in the Windows forum. Does that mean that you’re looking for a phone with Windows Phone or Windows 10 mobile as an OS? Those might still exist, although only second-hand and then probably much cheaper than Rs 20k.
This reply was modified 2 months, 1 week ago by kees_b.