I am getting 50+Mbps speeds on Vi mostly. Sometimes, I do get 100Mbps throughout the day. You need good phones to get good speeds. Redmi Note series till last year was poor in giving speeds due to 40C and 2*2MIMO capability. This year many phones under 20K have 3CA capability and 4*4MIMO supports have been released. Even Xiaomi own Redmi K50i is beast in terms of network support.
Even though these speeds are in night I generally get 50-80Mbps during day time. So I am pretty happy with what I get. If you are stuck on Jio, then nothing is going to happen as 104Mbps speed cap exists with 4*4MIMO on band 3/40. Such a waste of technology and resources. Jio is good in rural areas. It's sh#t in urban areas mostly at peak times. Otherwise its fine. Blanket coverage throughout each corner of the country. But barring that, Jio doesn't deliver good experience. 5G launch might change the end user experience but it will take huge time to deploy 5G spectrum and we should not wait till that to happen as we are spending hard earned money.
Last but not least, buy phones with 3CA and 4*4MIMO atleast here onwards. You will get good speeds everywhere.
Redmi K50i clicked 210Mbps today morning in Pune with CA on band 40+Band 41.