Published May 22, 2026 4 min read

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.

Top Ai smartphones under Rs. 40,000 in India - Overview

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.

Top Ai smartphones under Rs. 40,000 in India - Models and specifications

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.

SpecificationDetails
Display6.78-inch AMOLED, 120Hz
ProcessorSnapdragon 8 Gen 2
RAM and storage8GB RAM, 256GB storage
Rear camera50MP + 8MP + 2MP
Front camera16MP
Battery5,500 mAh
Charging100W fast charging
OSAndroid 14

 

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.

SpecificationDetails
Display6.4-inch Dynamic AMOLED 2X, 120Hz
ProcessorExynos 2400e
RAM and storage8GB RAM, 256GB storage
Rear camera50MP + 12MP + 8MP
Front camera10MP
Battery4,500 mAh
Charging25W fast charging
OSAndroid 14

 

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.

SpecificationDetails
Display6.78-inch AMOLED, 144Hz
ProcessorSnapdragon 8 Gen 2
RAM and storage8GB RAM, 256GB storage
Rear camera50MP + 8MP
Front camera16MP
Battery5,160 mAh
Charging120W fast charging
OSAndroid 14

 

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.

SpecificationDetails
Display6.55-inch AMOLED, 120Hz
ProcessorSnapdragon 8s Gen 3
RAM and storage8GB RAM, 256GB storage
Rear camera50MP + 50MP + 12MP
Front camera32MP + 32MP
Battery4,700 mAh
Charging67W fast charging
OSAndroid 14

 

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.

SpecificationDetails
Display6.78-inch AMOLED, 120Hz
ProcessorMediaTek Dimensity 9200+
RAM and storage8GB RAM, 256GB storage
Rear camera50MP + 50MP + 50MP
Front camera50MP
Battery5,500 mAh
Charging80W fast charging
OSAndroid 14

Top Ai smartphones under Rs. 40,000 in India - Price list in India

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.


SmartphonePrice in India
OnePlus 12RRs. 39,999
Samsung Galaxy S24 FERs. 39,999
iQOO Neo 9 ProRs. 37,999
Xiaomi 14 CIVIRs. 39,999
vivo V40 ProRs. 36,999

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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Frequently asked questions

What AI camera features can I expect in this price range?

AI smartphones under Rs. 40,000 usually offer scene recognition, AI portrait optimisation, night photography enhancement, object removal, and smart video stabilisation. Many phones also include AI-based image editing tools and automatic colour correction. These features help users capture better photos and videos with minimal manual adjustments. Some smartphones also support AI-powered zoom enhancement and real-time beautification during video calls and content creation.

Which are the best AI smartphones under Rs. 40,000 right now?

Some of the best AI smartphones under Rs. 40,000 include the OnePlus 12R, Samsung Galaxy S24 FE, iQOO Neo 9 Pro, Xiaomi 14 CIVI, and vivo V40 Pro. These smartphones offer a combination of AI-powered cameras, flagship-grade processors, premium displays, and reliable battery life. Buyers can choose based on their priorities such as gaming, photography, productivity, software experience, or fast charging capabilities.

Which processor powers the best AI performance under Rs. 40,000?

Processors like the Snapdragon 8 Gen 2, Snapdragon 8s Gen 3, MediaTek Dimensity 9200+, and Exynos 2400e deliver strong AI performance in this segment. These chipsets improve image processing, multitasking, gaming optimisation, and power efficiency. They also support advanced AI features like voice recognition, smart photo editing, live translation, and background task management for smoother overall smartphone performance and faster app responsiveness.

What should I prioritise when buying an AI phone under Rs. 40,000?

Buyers should focus on processor performance, software support, AI camera features, battery life, and display quality. A strong chipset ensures smoother AI processing and long-term performance. Users interested in photography should prioritise camera optimisation and editing tools. Battery capacity and charging speed are also important for daily convenience. Choosing a smartphone with regular software updates can improve security, stability, and access to future AI features.

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