For a gaming phone under a 20k budget, you may consider the Poco X3 Pro. It offers a Snapdragon 860 processor, a 120Hz display, and a large 5160mAh battery, making it a great choice for gaming performance. Another option is the Realme Narzo 30 Pro, which features a MediaTek Dimensity 800U processor and a 120Hz display. Both phones offer good gaming performance within the budget range. Ultimately, it's essential to consider factors like processor, display quality, battery capacity, and cooling system when choosing a gaming phone within a budget.