I had listed best CDMA + GSM under Rs 10,000 here and now I am listing some of the best CDMA + GSM that falls under Rs 20,000.

Htc Merge : Rs. 11,000 approximately



Specification:
Network : GSM + CDMA Style
Operating system : Android v2.2,upgradable to 2.3
Display :3.8 Inches S-LCD Capacitive Touchscreen Resolution: qHD, 480x800 Pixels
Memory Extended :Up to 32GB
Camera : 5 Megapixel- 2592 X 1944 pixel with autofocus, dual-LED flash
Connectivity: Bluetooth/Edge/GPRS/USB v2.0/wifi/Tethering Hotspot

Htc Desire Vc :
Starting from Rs. 16,079 approximately



Specification:

Network : GSM + CDMA Style
Operating system : Android OS, v4.0.3 (Ice Cream Sandwich)
Display :3.8 Inches S-LCD Capacitive Touchscreen Resolution: qHD, 480x800 Pixels
Memory Extended :Up to 32GB
Camera : 5 Megapixel- 2592 X 1944 pixel with autofocus, dual-LED flash
Connectivity: Bluetooth/Edge/GPRS/USB v2.0/wifi/Tethering Hotspot

XOLO A800 : Rs 11,999 approximately



Specification:
Network : GSM + CDMA Style
Operating system : Android OS, 4.0 (Ice Cream Sandwich)
Display :4.5 inches Inches S-LCD Capacitive Touchscreen
Memory Extended :Up to 32GB
Camera : 8MP Megapixel- 2592 X 1944 pixel with autofocus
Connectivity: Bluetooth/Edge/GPRS/USB v2.0/wifi/Tethering Hotspot