Go for the Canon 590/570 IS if you want to learn photography and don't mind a slightly bulky camera. Or go for the Kodak M893 IS if you want a decently slim camera with IS.
If you want a superzoom for 13k, then go for a Kodak Z1012 for 13.5k at Croma. It is one of the recommended superzooms at Steves cameras.
Else if you want to spend a little more, you can get a Canon S5/S3 for about 15k for slightly better picture quality (marginal).