Bro I can suggest u 2-3 things
1. get a Canon 1000D with kit lens and a Sigma/Tamron 70-300 lens ...U will get all this around 28k.
Here u will have reach like 8x zoom and a brillient qulaity DSLR
2. Get a good superzoom like a Canon SX20 or Panasonic FZ 35... these have good zoom and very good quality but not as comparable to DSLR
3. get that panasonic low light shooter...I dont remember it...its small and handy...will tell u the name after I reach home