Not sure if you can buy unlocked phones from 3rd parties where you live, but over here in the NL I can get a green one for โฌ511,-
(They used to be under โฌ500 for all models, but the RAM shortage makes a fool of us all)
Buying the /e/OS version from Fairphone directly is โฌ649. So the difference is still โฌ138, which I wouldn't say is insignificant.