I consider Moto g5 plus is best budget smart phone under the price range 20k.
ive been using this device since two weeks and I feel the phone has the following advantages and disadvantages.
Advantages.
The phone has very good camera.(equivalent to Samsung S7)
The built quality and design of the phone is good and the phone weighs only 155 gms
3.The phone has dedicated storage facility apart from two sim trays
Display of the phone is very good(421 PPI, 1920*1080 Pixels full HD) and provided with gorilla glass 3 protection
The phone is opted with stock android thus user will have smooth experience with latest updated Android OS .
Lastly Battery backup(3000 mah) is very good and phone supports volte without any issues and the battery does not heat up much upon prolonged usage of phone.
Disadvantages:
The phone has single speaker
Magnetometer is missing in the device
The earphones provided are of very low quality.
Verdict: The product is absolutely worth for money and compared to its competitors like redmi note 4, it definitely has an upper edge.