best digital camera under 12k

Try FH25 Good Camera with good options.

16.1 megapixel CCD sensor

28mm equivalent wide 8x optical zoom lens. Approximately 28mm-224mm field of view in 35mm terms

Incorporates Panasonic's optical image stabilizer technology to minimize the chance of blurred shots

Intelligent Zoom function digitally extends the zoom range by 1.3x for a total 10x zoom magnification (280mm equiv.)

One touch Easy Zoom button offers up to 18x zoom equivalent magnification (approx. 504mm focal length in 35mm terms at 3MP reduced file size) using center sensor crop

2.7-inch LCD display with 230,000 pixel resolution

11-area AF with Face Detection (can detect up to 15 faces in the scene)

Up to 4.4 frames per second fast shooting in Burst mode (up to 3MP file size)

Intelligent Auto (iAUTO) mode designed to recognize the type of scene and adjust settings accordingly

27 convenient user selectable Scene modes for shooting stills

Panorama Assist Mode for stitching together multiple images with supplied software

Quick Menu button for fast access to change camera settings

Anti motion Blur mode to minimize effects of subject movement in low light

Built-in automatic flash and red-eye reduction feature

720p MP4 movie mode: shoot 1280 x 720 high definition movies at 24 fps with sound

Auto ISO up to 1600 ISO

In-camera editing features including resize and cropping

Panasonic Lithium-Ion rechargeable battery and charger supplied

Panasonic Lumix DMC-FH25 16.1 MP 8X Optical Zoom

panasonic fh25 | eBay

hope it helps.. :)
 
I would Vote for Canon Sx130IS if the size of the cam is not an issue for you. The picture clarity is very good and performs quite good at indoors even at ISO 800. You can buy it online for 11.5k or so.
 
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