S23 was a great choice few months back, nothing else comes close overall as a camera phone now around 40k. Pixel & S23FE have poor battery life & has some heating issues under load. S24FE has good cameras & Exynos 2400 is much better in efficiency vs older Exynos & Tensor of Pixels but still I won't recommend any phone with Samsung fab made SoC. Generally Oneplus 13R is well regarded as a good all-rounder.
Vivo X200 or Oppo Find X8 are considered good, they were around 50k with some offers. Their UI is inferior to Samsung, but in my experience Oppo's UI is better than Vivo's UI (Oppo shares its UI with Oneplus & Realme whereas iQoo uses vivo's UI). Generally vivo has better camera algorithm vs Oppo side of BBK.
In general, Oppo & Vivo phones are a poor value because of the SoC used, like 7 Gen 3 is too weak for a 35k phone in V50 (even 7+ Gen 3 would have been weak but can be considered for the superior camera). Oppo Reno 13 has a better SoC but check if its camera is better than OP 13R significantly to even consider it. Maybe check reviews of iQoo Neo 10R as well, if its camera is good for the price, can consider it. I don't have much hope from NP 3a pro on camera front, but can check its reviews as well.
The iPhone 13 is too old now, although the camera will still hold up well, likely better than most 30-40k androids (not good in battery life & display, thus impacting day to day use).