Best 256GB Smartphone Under ₹20,000: Help Me Choose!

I’m planning to buy a new smartphone with 256GB storage, and my budget is ₹20,000 (after applying credit card discounts). I’ve narrowed down my options to 1. OnePlus Nord CE 4 Lite 2. Motorola Edge 50 Neo. Nothing 2a service Centre is not good in pune...that's why I'm skeptical about this phone...also I have to shell out more money for charger separately. Could you help me decide which one would be the better choice?