OnePlus Nord CE 3 Lite starts at Rs 19,999 for 8GB/128GB. The 8GB/256GB variant costs Rs 21,999. For the price, you get a 120Hz display, 108MP camera, and 67W fast charging.
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If you're looking for a stock-ier interface, Moto G73 is what you should be looking at. It gets you a more useful 8MP ultrawide plus a 50MP main cam which is decent. Its Dimensity 930 chip is slightly more powerful too.
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iQOO Z7 with Dimensity 920 and 44W fast charging is the most spec-heavy phone under Rs 20,000. It has an HDR10+ ready AMOLED display and 64MP mani cam with OIS.
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Redmi Note 12 5G is a bit cheaper and comes with a 120Hz AMOLED display and a trio of sensors on the back— 48MP main, 8MP ultrawide and 2MP macro. The phone is also IP53 rated.
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Realme 10 Pro 5G is virtually the same as the Nord CE 3 Lite with slower (33W) charging. So, you can check it out also.
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Samsung Galaxy A14 5G may not be as spec-heavy but the software support/reliability and brand recall (paired with a bit more affordable pricing) surely make it worth your time.