Recently MI has launched this phone, it's upgraded version of MI Y1 at same price segment of Rs 9, 999.If you compare this with other brand at this price segment no one can beat. If you are camera lover then go for this phone. It has snapdragon 625 octacore chipset which makes a powerful package even at 3GB RAM, 32GB memory.It has face unlock features along with finger touch.
About the software it runs on Android 8.0 Oreo .
I would not suggest to buy 4+ 64 GB variant @ Rs 13, 000.As described above it already has 625 chipset which does'nt make sense to waste money for just 1GB extra RAM, memory you can eaisily expand because it has double sim slot with memory card use at the same time.
If you really need 4GB variant then I would suggest go for MI note 5 pro of Rs 14, 999.
I hope this is helpful in your buying decision.