I don't think that the D90 will offer you more "value." If you want a good image, remember the lens is by far the most important choice to make - the body will change over time, but you will be able to keep the lenses you buy with the next camera body you buy.
Which camera do you recommend for Biswajit-das?
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If you're an expert photographer, you should know that neither of these are professional cameras. However, you can get good images from both.
The lenses you're suggesting are poor. You'd do better with a 35 or 50mm prime and a proper zoom.
The D5100 has more features at less of a price new. I have a D90 and it has served me well.


