If you wanna go for gaming, you'll have to increase your budget to around 150-200k (will still be somewhat hard to play the newest games but it will play around 70% of the older games), for study however, you can probably get an excellent laptop within that range. I myself have an HP Elitebook 840 G5, it's really good as long as I use it for study, but can only play the 2010s games (not at max settings), got it for around 90k (it's modified).