I really doubt the figures you mentioned for the price of Camry in India. It is too expensive. My friend bought a new camry in Dubai in Sept 2008 at a lump sum payment of 72,000 Dirham, which equals around 15 lac Pak Rupees. The orignial price was 79,000 AED, but there was a deal by Toyota people there due to which he got it in 72k.
Post recession, the prices of cars in Dubai have declined further with even better and attractive discount deals. Here in Pakistan, we are just being plundered when it comes to the sale of luxury imported cars.