The budget for is like 30-35k INR (including all I/O devices) which translates to around 400 USD.
3200G is a good option but the 9100 performs at least 10-15% better. It even beats the 3400G in many scenarios.
If I have to consider the socket support, I could only go for an X570 (which costs almost 70-80% of my entire build) or a B550 (which costs twice when compared to the H310s). Because as per AMD's announcement, all the AM4 chipsets prior to X570 and B550 will be dead when Zen 3 arrives.
Moreover, this is a home PC (zero gaming) and I don't foresee any CPU upgrade on this one at least for the next 5-6 years. To be honest, I expect this to last for a decade. I don't want to pay extra or compromise performance just for the sake of some uncertain upgrade that I'm going to do after one decade.
That seems a little pricey to me for a build like this. Are you planning on purchasing online or at a physical shop? Will you build this yourself or will you buy it from a shop that will build it for you?
I live in Indonesia where prices are usually pretty high as well compared to the US and I managed to make a very similar build like this for a friend for ~25k INR and it included a used RX580.
The specs I got was:
i3 9100F
ASRock H310CM
2x4GB 2666MHz CL18
GX1 120GB SSD
RX 580 4GB (used)
WE Blue 500GB HDD
Corsair CV450
Case (local brand)
2 additional case fans
I feel like you should be able to build this for much cheaper since yours doesn't include a graphics card.
I also don't know where to compromise to get your desired Samsung SSD.
If you're looking to get a larger model to start with, a good place to start is to drop the SSD to a model, which doesn't use cache. Something like a Team GX1, Adata SU635, PNY CS900, Kingston A400, Kingmax SMV, which still offer 3 years of warranty.
Though it is slower than the BX500, which has a dedicated DRAM chip, I personally don't feel much of a difference when it comes to everyday browsing/surfing unless I put them side-by-side and run them simultaneously.
This should allow you to bump up to a 240GB SSD, which can provide more leeway to install apps or upgrade the HDD to a 1TB model if that's what you prefer. Or at least buy you more time until you can afford the 1TB SSD.
Also, if you're not storing a bunch of pictures and videos directly. You might also consider dropping the HDD entirely to get a larger/better SSD. You can then purchase the HDD later on in several months, and add it when you actually need the extra space.
If you can list some websites you trust, we could help you put something together within your budget maybe? Could be worth having a look.