Brother Sony H200 retails for 18K with local warranty and 20K with Sony shops.
Nikon L820 is 22K with camtronx.
Nikon P510 is discontinued some shops are carrying old stock and selling for 30-32K.
Nikon P520 sells for 40K with camtronx.
Nikon D3100 is 42K new with camtronx warranty and 38K new in grey box without warranty.
Nikon D3100 with 18-55 mm lens in excellent condition is also available used for 30K in Karachi market.
The more dough you will put in the better you get.
However, I would not recommend to go used unless you can really check a camera properly or buying from a relative as these things are junk even if slightest problem happens.
If you can drop that DSLR like bodystyle idea Canon SX 270HS snaps better photos than many pseudo DSLR and megazooms like Nikon L810 & P510. It is available for 27K with local warranty and 29K with MBM warranty.
Canon PowerShot SX270 HS - PowerShot and IXUS digital compact cameras - Canon Europe
If you want a true bridge camera Canon SX50HS is best. It is available for 39K with local warranty and 42K with MBM warranty. Not a DSLR but it will take equally good photos till ISO 400 and you cannot ignore it superior optics over any DSLR with 24-1200 mm 50X Optical IS zoom with frame locking. It also has RAW shooting, full Manual mode and variangle LCD. It easily blows the competition like Nikon P520 out of water.
Canon U.S.A. : Consumer & Home Office : PowerShot SX50 HS
Some shopkeepers are also carrying the flagship Nikon P7000 for 30K
http://www.nikonusa.com/en/Nikon-Products/Product-Archive/Compact-Digital-Cameras/26233/COOLPIX-P7000.html