Upcoming Galaxy J5 (2016) is preferred over Galaxy J5 due to 16GB ROM, but it will be ~25000/-. 8GB ROM of J5 is only good enough for basic use ~ 30-50 apps at max. Photos and videos can be directly saved to MicroSD card, but apps cannot be installed to MicroSD card in Android Lollipop. Android M is expected to support direct installation of apps to MicroSD card in Samsung.
Lumia 640XL is rs. 18500/-. Carl ziess optics camera, capable enough to stand tall against last years flagships camera "easily". Its dynamic flash feature lets you remove, add and adjust flash intensity in post processing (even after taking photos), which is extremely useful. Moreover, manual shutter speed controls helps you capture blur free photos even in low lights or challenging scenarios. Capable enough to take long exposure photos upto 4 seconds. In simple words, Lumia cameras are like mini DSLRs, if you learn camera controls.
Currently using J5 and Lumia 640XL for day to day tasks with no major issues at all.