I wud still advise u to stretch ur budget just a lil bit more and get the N73me..u shud easily get it for 15k (or evn less if u go to the right place) w/o bill...
Its the best nokia symbian phone u cud get in the 10-20k range..looks much better than the 5700 as well (though looks are subjective)...
The P990i is another gr8 alternative, it has a big screen(much bigger than the n73) so u cud enjoy ur movies in all its glory, touchscreen which is really useful..infact i dont think, i'll be able to get back to normal screen anymore..plus symbian UIQ3 which is very versatile and supports third party apps just like the S60...ppl say, tht there are not many s/w for the UIQ3 platform..but i differ..u just need to look at the right places..
Sound thru the earphones is trademark SE..but weak thru the loudspeaker..thts prolly the only flaw i've found in the P990i..but neways i've got used to it..
And with features like Wifi, qwerty keypad, big touchscreen, dual cams, symbian uiq3, its a gr8 phone for the price it is selling at, rit now..u cud easily get it for 13k w/o bill...
I'm more than satisfied with my P990i..its my pocket Pc which stays with me all the time n keeps me organized..