AI Smartphones Under Rs. 40,000 in India (2026)

AI smartphones under Rs. 40,000 in India now offer premium features without crossing flagship pricing. These phones use artificial intelligence to improve photography, gaming, multitasking, battery optimisation, and overall user experience. Brands like Samsung, OnePlus, Xiaomi, vivo, iQOO, and realme are offering powerful AI-backed smartphones in this segment.

Modern AI phones can automatically optimise camera settings, remove background noise during calls, enhance low-light photos, and improve app performance based on usage patterns. Many devices also include AI tools for photo editing, live translation, voice assistance, and productivity tasks.

This price range gives buyers access to flagship-grade processors, AMOLED displays, high refresh rates, large batteries, and fast charging support. Most smartphones also come with advanced cooling systems and software enhancements for smoother gaming and daily use.

Whether you want a smartphone for content creation, gaming, work, or photography, AI smartphones under Rs. 40,000 provide a balanced combination of performance, smart features, and long-term usability. If you are planning to buy a new phone, you can easily explore your options in-store at over 1.5 lakh+ Bajaj Finance partner stores across 4,000+ cities. Check your loan eligibility and enjoy Easy EMI options with flexible financing. You may also benefit from zero down payment on select models.

AI smartphones under Rs. 40,000 have become more capable and practical for everyday users. These phones use artificial intelligence across multiple areas to improve convenience, performance, and camera quality. Users can now access several smart features that were earlier limited to premium flagship devices.

AI cameras can recognise scenes automatically and adjust colours, exposure, and focus in real time. Portrait shots look sharper, while low-light images get better clarity with AI enhancement. Some smartphones also offer AI object removal, AI image expansion, and smart editing tools directly inside the gallery app. AI performance optimisation helps smartphones manage apps efficiently. The system learns user habits and allocates resources for smoother multitasking and gaming. AI battery management also improves power efficiency by reducing unnecessary background activity.

Many smartphones in this segment support AI-powered voice assistants, live call translation, real-time transcription, and smart summarisation features. AI can also improve video calls by reducing noise and enhancing voice clarity. Brands like Samsung, OnePlus, Xiaomi, vivo, iQOO, and realme continue to add more AI-focused software tools with regular updates. This makes AI smartphones under Rs. 40,000 a strong option for photography, entertainment, gaming, productivity, and everyday communication.

AI smartphones in this segment offer strong performance, reliable cameras, premium displays, and useful software features for everyday users. These phones are suitable for gaming, photography, multitasking, content creation, and productivity. Most models also include AI-based image processing, battery optimisation, smart assistants, and enhanced security features for a smoother and more efficient experience.

1. OnePlus 12R

The OnePlus 12R delivers smooth gaming, fast multitasking, and reliable battery life. Its AI software optimisation improves app management and overall responsiveness. The phone is suitable for users who want balanced flagship-level performance for gaming, streaming, and daily productivity without spending on ultra-premium devices.

2. Samsung Galaxy S24 FE

The Samsung Galaxy S24 FE focuses heavily on AI-powered features for photography, communication, and productivity. It offers useful AI tools for photo editing, live translation, and smart search functions. The phone is ideal for users who want a clean software experience with long-term software support.

3. iQOO Neo 9 Pro

The iQOO Neo 9 Pro is designed for users who prioritise gaming and sustained performance. AI-backed optimisation improves frame stability and thermal efficiency during long sessions. The phone also delivers responsive touch controls and fast app loading, making it suitable for heavy multitasking and competitive gaming.

4. Xiaomi 14 CIVI

The Xiaomi 14 CIVI offers strong camera-focused AI features with good imaging performance in different lighting conditions. It is suitable for content creators and social media users who regularly capture photos and videos. The lightweight design and premium display also improve comfort during long usage sessions.

5. vivo V40 Pro

The vivo V40 Pro delivers strong portrait photography and video recording capabilities with AI enhancements for colour tuning and image clarity. It is suitable for users who prefer social media content creation, photography, and entertainment. The curved display and slim profile also provide a premium in-hand experience.

AI smartphones under Rs. 40,000 are available across different price points depending on performance, camera capabilities, software features, and charging speeds. Buyers can choose from gaming-focused phones, camera-centric models, or balanced all-rounders. Most smartphones in this segment offer premium displays, AI-backed software tools, and long-term usability for work, entertainment, and daily multitasking.

You can also explore the latest offers on smartphones from Bajaj Finance to get value-packed deals and Easy EMIs.

*Disclaimer: Prices are subject to change. Please check the official website for the most accurate and up-to-date information.

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