in my opinion you should go for karizma, its easy on city as well as nice for touring too (if you are intended for it ). As of apache, i never liked its engine and does have reliability issue, and riding position of pulsar with short handle is not my taste.
you may look for http://olx.in/item/hero-honda-karizma-2009-model-IDWgXnJ.html#1f03777a84 , since its 6year ~~ old, but looking at bike condition, you will have to spend 7-8k extra on it in order to bring the bike back to pristine condition, the muffler protector is gone, so does the chain cover (which is must if you want your chain to last longer),
change spark plug, oil filter, fuel filter, put new oil (motul), buy chain cover, new muffler protector, get the carburetor cleaned, brakes checked (if necessary get pads changed), get bosch dual horn installed, also if possible get new pair of shoes for her, get 3m treatment done, and bang!! you got an awesome bike at your disposal.