As you are willing to spend 20 k u better go for a dslr camera as they hav become pretty affordable these days.nikon d40 or x is available at around 23 k.there are other products also from fuji and olympus.they give you better choice in photography and helps u learn the art. Normal digital cameras limit your urge to experiment as they are pre programmed in white balance , exposure and metering .dslr , besides having all these contains manual mode and shutter, aperture modes to minute control your shots.you can even hav different lens and make your phtos come alive.if your ready to spend 20k, is it not wise to spend just few more bucks and get the best.
The best of a dslr is you can have a range of lens and get excellent photos.some higher end models offer depth of field preview , which is an excellent and useful feature in composing your shots.
I have used sony cybershot , 8.1 mega pixei as I reckon, but I was not satisfied at all as they are not more than sophisticated and high quality cameras of a mobile phone.the photos are evenly exposed and plain in nature.if you just want pictures go for a nikon coolpix available at around 10k.
If you are serious with the quality and want to learn the art of light and shadow gpo for a dslr as you are ready to spend good amount