I am a very light user and looking at sub 15k phones. Generally I am price sensitive, tend to go for cheaper option and prefer not to hit the roof of my budget. I don't know this time how it's gonna go. I am not in hurry to get one as I have two working phones (one severely damaged screen - Redmi 4 and a Nokia C1-01 feature phone).
Everyone has their own set of priorities and they will gauge what's "best" in their own way. My best may not be your's. So you take the information and decide which one will be best for you.
This is how my list is right now. My top 2 candidates.
All are base variants.
CMF is interesting esp at current price of 13.5k incl. charger, but after sales and repair cost are not clear.
M35 is the next best option @ 15k incl. charger
Vivo T4X is good @ 14k but,
- No glass protection
- No memory card slot, I think this is cheapest phone that doesn't support memory card. Last time when I bought I wanted a dedicated memory card slot, this doesn't even have a hybrid slot.

- No secondary noise cancellation mic. Even some sub 10k phones have that. I don't know how much this would be an issue.
P3 is extremely appealing, other than repair cost it's the best @ 15k. Raw performance wise, design, camera, display, battery, price on all front this scores good in its price segment.
At current offers, Nothing 2a with EMI offers can get it for about 16k which is one helluva price for a 20k phone
Vivo T3 at it's cheapest price @ 15.5k incl. offers.
At this pricing my hands are itching to get one right now.