While it may be challenging to cover a 10-day Himachal tour with a budget of 20,000/-, it is still possible with careful planning and budgeting. Consider opting for budget accommodations like guesthouses or budget hotels instead of luxury options. Utilize public transportation or shared cabs for intercity travel to save costs. Prioritize your must-visit destinations and plan an itinerary accordingly to avoid excessive travel expenses. Opt for local eateries and street food instead of high-end restaurants. Additionally, consider visiting off-season when prices may be lower. Remember to keep some buffer money for unforeseen expenses. With careful planning and smart choices, you can have a memorable Himachal tour within your budget.