Laptop, smartphone or other home appliances are such things, which considers as one time investment for next many years.  So what I like to say is that either you are buying it for personal use, you should buy a laptop which is efficient to take load of others works as well if any required. The reason is, if in case you think to resale is, it could be slight easy just because it’s features.

Now comes to your point, I would suggest you to buy HP laptop. It’s my person suggestion after using Dell before 2 years and Asus for now. The reason is speakers, performance, processing, graphic card is just superb them. However, compared to other brand you may get a slight higher cost with them. But in the range of 30-40K you may buy a good laptop.

As I have already stated that you are buying it for general purpose, but it would be good if you add up 3-5K in your budget and then buy a good one. And it is about the costing, then you may also buy it on No cost EMI. Either you are buying it online or offline, you can have an HP laptops on no cost EMI, which could make everything easy and smooth buying.