ok so u want a good zooming capability ...then u have to consider superzoom like fz45, sony hx100v
I have bit less knowledge of superzooms soo would wait for more knowledgeable people to comment.
Entry level DSLR would be D3100 with kit...its enough for people portrait and landscape..
If u want animal, bird shots then u have to get a zoom lens
and if u want insect then u have to get a macro lens for that
u can always get a used SLR to began with...there is absolutely no lens compatibility problem...I saw in jjmehta forum 500D body for 21k only
[For Sell] Canon 500D for sell for 21k [Reopened]