Vineet, you do not need to have 1.5 lakh for a SLR camera.
Its not the equipment which makes you a photographer, its the composition that makes you a photographer.
I would venture further and say that - for the vast majority of amateurs - you don't even need ( as different from want) a DSLR. Today's "bridge" cameras are packed all the features you would really need. Under most conditions, they give excellent results comparable to most DSLR "kit" lenses. It is mainly in low light situations that they fall short. ALL major brands have one in their stable ( FUJI - HS 30, CANON SX 40 HS, etc.) and priced in the 20 - 24k range. Look at these as , say, a Futaba 8FG. More than what a beginner needs. How many need a 12MZ?
I fully endorse that the person behind the camera is, ultimately, what counts.