💬 Which phone under ₹20,000 has the best camera right now?

My phone is 4 years old now and the camera has gotten really bad, mostly at night. I take a lot of photos in the evening with friends, at tea stalls and outside restaurants. The pictures come out blurry and full of noise, and friends always ask me to send the one from their phone. That hurts a bit, because I'm the one who always takes the photos. So I'm upgrading and the budget is around ₹20,000. Camera matters most for me this time. I don't care about the megapixel number on the box. I learned that the hard way once. A phone with a huge number took worse photos than my friend's phone with a much smaller number. What matters to me is how it handles bad lighting and whether the picture looks natural. Video is second. I take short walking videos and I just want them not to shake like a washing machine. I'm not making films, so I don't need anything fancy there, only decent stabilization. I've watched some review videos, but most reviewers take photos in sunlight, which tells me nothing. My photos are at 8 pm in a dark lane, and that's the test I care about. I'm also open to an older flagship phone, bought used or refurbished, if its camera is better. I'm a bit nervous about used phones though. Battery health and fake listings scare me. If you've used a phone in this range for a few months, tell me what you got and how the night photos look. Please don't just paste spec sheets. I can read those myself.

Owned a phone with decent low light specs on paper in this range and was let down once actual night photos came out grainy compared to the sample shots online. Ended up relying on the dedicated night mode more than expected to get usable results indoors. Would recommend testing the camera app in store under dim lighting before deciding on anything.

Look at night photos from the exact phone before you buy, not only the sample shots from the company. I'd search for low light comparison videos, since most reviewers shoot in daylight and that tells you little. Sensor names on the box helped me a bit, but processing matters as much, so don't pick on that alone. Also hold the phone in the shop and take a photo in a dark corner.