It’s been a challenging but competitive year for smartphone manufacturers but so far who has got it right for the 20k - 25k range?
Almost every phone manufacturer has an offering within that price range this year. Probably the standout phones would be Xiaomi’s brilliant Note 8 series (and the new Note 9 series as well. Solid specs all round at a competitive price. Also Samsung with it’s A-Series (A21, A30, A31) with there super AMOLED screens, if screen means everything for you then this is the go to, not to mention the One UI experience. Realme is another contender with it’s X2 (if you can find it), all round it’s one of the most complete phones you can find.
There are others from Oppo, Vivo, Infinix & Huawei also, but these are both the standouts for me within that price range…
I agree, planning to get one soon within the first bracket you mentioned.