You can go with this phone which comes under 41k and save the rest for your wishlist items.
It will last another 4 years at least.
https://amzn.in/d/3v1FHe5
Or
You can go with this phone also which comes under 34k and save the rest for your wishlist items.
Take a look at this F7 5G (Frost White, 512 GB) on Flipkart
https://dl.flipkart.com/dl/poco-f7-5g-frost-white-512-gb/p/itmc9c46413c5044?pid=MOBHCY2UZRUEBVGT&lid=LSTMOBHCY2UZRUEBVGTVBBJQY&marketplace=FLIPKART&sattr[]=color&sattr[]=storage&_refId=&_appId=CL
Both phones comes with SD 8s Gen4 but iQOO Neo 10 comes with 16GB/512GB while Poco F7 comes with 12GB/512GB storage.