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6 Answers

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It is very tough Question to answer.But i will try my best to advice you. 

SAMSUNG GALAXY M50- the model was launched on Jan 4,2020. Price- 19,990/-

SAMSUNG GALAXY M21-the model was launched on Jan 16,2020. Price-10,990/-

Xiaomi MiNote9 - launched on Mar 12,2020. Price - 11,190/-

You can go for any. All 3 phones are amazing. Hope you got your answer.
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In My opinion 

Samsung M31s - 18,499
Real Me 8 Pro-  Price 17,999
Real Me 7 Pro-Price 19,999
Motorola One fusion Plus- 
Vivo V20 SE- Price 19,990
Poco X3 -Price 15,999
Poco X3 Pro - Price 18,999
Redmi Note 10 Pro Max-19,999
are the best mobiles under 20k
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If you want to buy it under 20,000 then I would suggest never go for Samsung phones ,you should rather prefer MI or if you can increase the budget then go for one plus.
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The best smartphone to buy under INR 20,000 in India is a smartphone with a 5.5-inch display. This is a perfect smartphone to buy if you are looking for a phone that will make you feel small in front of it.
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 best smartphones to buy under INR 20,000 in India are:

Poco X3 Pro - This smartphone comes with a Qualcomm Snapdragon 860 chipset, 6GB of RAM, and a 6.67-inch Full-HD+ display. It also features a 48-megapixel primary camera and a 5,160mAh battery with 33W fast charging support.

Realme Narzo 30 Pro - This smartphone is powered by a MediaTek Dimensity 800U chipset, 6GB of RAM, and a 6.5-inch Full-HD+ display. It has a 48-megapixel primary camera and a 5,000mAh battery with 30W fast charging support.

Redmi Note 10S - This smartphone features a MediaTek Helio G95 chipset, 6GB of RAM, and a 6.43-inch Full-HD+ AMOLED display. It has a 64-megapixel primary camera and a 5,000mAh battery with 33W fast charging support.

Samsung Galaxy F41 - This smartphone comes with an Exynos 9611 chipset, 6GB of RAM, and a 6.4-inch Full-HD+ AMOLED display. It features a 64-megapixel primary camera and a 6,000mAh battery with 15W fast charging support.

Moto G60 - This smartphone is powered by a Qualcomm Snapdragon 732G chipset, 6GB of RAM, and a 6.8-inch Full-HD+ display. It has a 108-megapixel primary camera and a 6,000mAh battery with 20W fast charging support.

It's important to note that smartphone prices can vary and new models may have been released since my knowledge cutoff. It's always recommended to check the current prices and specifications before making a purchase
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The best smartphone to buy under INR 20,000 in India is a smartphone with a great display. A phone with a great display can look good and be used by many people. It can be used to see the time, to see the weather, and to to see if someone is home.
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