Published Apr 16, 2026 · 4 Min Read

Budget mobiles allow you to access modern technology without spending a large amount of money. These devices provide essential features such as high-resolution cameras, long-lasting batteries, and vibrant displays for daily tasks. You can easily find a reliable smartphone that handles social media, streaming, and calling with ease. 

 
When you select your preferred model, the Bajaj Finserv Insta EMI Card helps you manage the payment. It enables you to split the cost into Easy EMIs, ensuring that you do not face a heavy financial burden at once.

Overview of budget mobiles

Modern budget mobiles offer an impressive balance between performance and affordability for Indian consumers. Many of these handsets now feature 5G connectivity, large AMOLED displays, and fast charging capabilities. They typically house efficient processors that manage multitasking smoothly while preserving battery life for extended use. You can choose from various brands that focus on providing high value through durable builds and regular software updates. These phones cater perfectly to students, professionals, and anyone seeking a functional device that performs well without a premium price tag.

Price list of the top selling budget mobiles on EMIs (2026)

Check out the most popular budget smartphones available in India. These models offer excellent value and are perfect for those looking to upgrade their mobile experience on a budget.
 

Model nameKey specificationsPrice
Samsung Galaxy F076.7-inch display, 5,000 mAh batteryRs. 7,499
realme C63 5G6.67-inch display, 5,000 mAh batteryRs. 10,999
Poco C85x 5G6.9-inch display, 6,300 mAh batteryRs. 10,999
Redmi 13 5G6.6-inch display, 5,000 mAh batteryRs. 13,499
motorola g45 5G6.58-inch display, 5,000 mAh batteryRs. 13,999
Redmi Note 14 SE 5G6.6-inch display, 5,000 mAh batteryRs. 13,999
Samsung Galaxy F16 5G6.66-inch display, 5,000 mAh batteryRs. 13,999
vivo T4x 5G6.6-inch display, 5,000 mAh batteryRs. 14,499
Poco M7 Pro 5G6.67-inch display, 5,110 mAh batteryRs. 14,999
TECNO Pova 7 5G6.78-inch display, 6,000 mAh batteryRs. 14,999

Disclaimer: Product features, availability, and prices may differ based on location and time. For the latest and most accurate details, visit a partner store. 

Tips to choose the right budget mobile for your needs

Finding the right budget mobile requires you to prioritise the features that matter most for your daily routine. Follow these helpful tips to make a smart and informed choice.

  • Identify your primary use, such as photography or gaming, to select a phone with a suitable processor.
  • Look for a battery capacity of at least 5,000 mAh to ensure the device lasts a full day.
  • Check if the mobile supports 5G to stay compatible with the latest network speeds in India.
  • Choose a device with a minimum of 128GB storage to keep your photos and apps without worry.
  • Ensure the screen brightness reaches at least 600 nits for comfortable outdoor viewing in sunlight.

What is a Bajaj Finserv Insta EMI Card?

The Bajaj Finserv Insta EMI Card is a digital payment solution designed to make your shopping more affordable. It provides you with a pre-approved card loan offer that you can use across 1.5 lakh+ partner stores. This card allows you to purchase the latest smartphones and electronics by converting the total cost into Easy EMIs. You can manage your repayments over a flexible tenure that suits your monthly financial situation. It offers a quick and completely digital process, ensuring you can shop for your favourite products immediately.
 

Check your Insta EMI Card eligibility online using your mobile number and OTP. If eligible, you can apply instantly and start shopping for your preferred mobile phone easily and affordably.

How to buy a budget mobile phone using the Insta EMI Card

Purchasing your new budget mobile phone with the Insta EMI Card is a simple and efficient process. You can complete your transaction at a partner store within minutes by following these steps.

  • Visit a nearby partner retail outlet and select the budget mobile that you wish to purchase.
  • Inform the store representative that you want to use your Insta EMI Card for the payment.
  • Select a repayment tenure that works best for your monthly budget and financial goals.
  • Share your card details and the One Time Password sent to your mobile phone for verification.
  • Complete the quick documentation process to take home your new smartphone on Easy EMIs instantly.

Benefits of using the Insta EMI Card

FeatureDetails
Easy EMIsSplit the cost of your purchase into affordable monthly instalments with minimal interest, making it budget-friendly.
High pre-qualified limitGet up to Rs. 3 lakh card loan offer amount to buy multiple products without upfront stress.
Wide acceptance networkAccepted at over 1.5 lakh partner stores across 4,000 cities and major e-commerce platforms.
Flexible repayment tenureChoose a repayment period from 3 to 60 months based on your financial comfort.
Zero down payment offersAvail deals with no upfront payment requirement on select models.
No foreclosure chargesClose your loan early without any penalties or extra fees.
Credit score benefitTimely EMI payments may help strengthen your credit profile and financial health.

 
Also read: Features and benefits of the Bajaj Finserv Insta EMI Card

Eligibility criteria for the Insta EMI Card

  • Nationality: Indian Citizen.
  • Age: 21 years to 65 years.
  • Credit score: A healthy credit score per Bajaj Finserv policies.
  • Income: A steady, regular source of income.
  • Documents: PAN Card, Aadhaar Card, and a cancelled cheque for e-mandate.

 
Also read: Eligibility criteria for the Insta EMI Card

How to apply for an Insta EMI Card

  • Verify mobile number: Enter your 10-digit mobile number and verify the OTP sent to your phone to initiate the process.
  • Auto-fetch details: Provide your full name and select the option to auto-fetch your details for a faster application experience.
  • Confirm information: Verify your pre-filled personal details carefully and click on the continue button to move to the next stage.
  • Check offer: Review your pre-qualified card loan offer amount and select continue to proceed with the specified limit.
  • Set up wallet: Review your wallet setup details and verify the security OTP to integrate the card with your account.
  • Verify identity: Complete your identity verification process by confirming your current residential address as per the required official records.
  • Pay fee: Make the mandatory one-time joining fee payment of Rs. 530 through the secure digital payment gateway provided.
  • View card: Access and view your new digital card details instantly on the Bajaj Finserv application after the successful payment.
      

Also read: How to apply for the Insta EMI Card

Frequently asked questions

Which is the best smartphone to buy under Rs. 10,000 on EMIs in India?

The Samsung Galaxy F07 and Poco C85x 5G are excellent choices for users seeking reliable performance under Rs. 10,000. These models provide large batteries and decent cameras for their price. You can use your card loan offer to purchase these devices on Easy EMIs at partner retail stores.

How to buy a Redmi or realme budget phone on monthly instalments with the Insta EMI Card?

You can buy a Redmi or realme phone by visiting any partner store and selecting your preferred model. Provide your Bajaj Finserv Insta EMI Card details to the representative at the billing counter. Choose a tenure that suits you and confirm the purchase with the password sent to your registered mobile number.

What is the monthly instalment for a budget smartphone under Rs. 15,000?

The monthly instalment depends on the specific price of the phone and the repayment period you choose. For a smartphone priced at Rs. 12,000, your instalment might be approximately Rs. 2,000 if you select a six-month tenure. This makes upgrading your mobile very affordable for your monthly budget.

Can I buy a Samsung budget phone on zero down payment offers in India?

Yes, you can often find zero down payment offers on Samsung budget phones at various partner stores across India. By using your Bajaj Finserv Insta EMI Card, you can take the phone home without any immediate upfront payment. This allows you to manage your finances better while enjoying a new device.

Show more Show less

Bajaj Finserv app for all your financial needs and goals

Trusted by 50 million+ customers in India, Bajaj Finserv App is a one-stop solution for all your financial needs and goals.

You can use the Bajaj Finserv App to:

  • Apply for loans online, such as Instant Personal Loan, Home Loan, Business Loan, Gold Loan, and more.
  • Invest in fixed deposits and mutual funds on the app.
  • Choose from multiple insurance for your health, motor and even pocket insurance, from various insurance providers.
  • Pay and manage your bills and recharges using the BBPS platform. Use Bajaj Pay and Bajaj Wallet for quick and simple money transfers and transactions.
  • Apply for Insta EMI Card and get a pre-qualified limit on the app. Explore over 1 million products on the app that can be purchased from a partner store on Easy EMIs.
  • Shop from over 100+ brand partners that offer a diverse range of products and services.
  • Use specialised tools like EMI calculators, SIP Calculators
  • Check your credit score, download loan statements and even get quick customer support—all on the app.

Download the Bajaj Finserv App today and experience the convenience of managing your finances on one app.

Disclaimer

1. Bajaj Finance Limited (“BFL”) is a Non-Banking Finance Company (NBFC) and Prepaid Payment Instrument Issuer offering financial services viz., loans, deposits, Bajaj Pay Wallet, Bajaj Pay UPI, bill payments and third-party wealth management products. The details mentioned in the respective product/ service document shall prevail in case of any inconsistency with respect to the information referring to BFL products and services on this page.

2. All other information, such as, the images, facts, statistics etc. (“information”) that are in addition to the details mentioned in the BFL’s product/ service document and which are being displayed on this page only depicts the summary of the information sourced from the public domain. The said information is neither owned by BFL nor it is to the exclusive knowledge of BFL. There may be inadvertent inaccuracies or typographical errors or delays in updating the said information. Hence, users are advised to independently exercise diligence by verifying complete information, including by consulting experts, if any. Users shall be the sole owner of the decision taken, if any, about suitability of the same.
For customer support, call Personal Loan IVR: 7757 000 000