Lecture Speech-to-Text Automation

I need a straightforward solution that listens to recorded or live lectures and turns everything that is said into clean, readable text. Accuracy matters more to me than real-time speed, but the final transcript should be well-punctuated and ready for immediate use in hand-outs or slides... (Budget: ₹750 - ₹1250 INR, Jobs: AutoCAD, Software Architecture)