If you are feeling lucky, try get a refurbished LG G2 D800 or D801 Unlocked for 16,000 approx from geb.ebay.in
I am using the AT&T model right now...almost 2 months, with latest Lolipop and other stuffs... Camera is awesome....Screen is awesome...Battery is awesome... As for negatives , the auto focus is quiet slow for a flagship phone (Galaxy S4 has faster Auto focus)
Xiomi Mi4 is a big No No... Ask the owners how unsatisfied they are. Typical example of overhyped Hipster phone. All Bang and Fizzle.For 20k nothing beats Xiaomi Mi4(64GB) and OnePlus One.
Well for 12.5k I would pick mi4 anytime.
Moto G2 is a much safer betfor that price
even 730 and 640XL