Get the best of both worlds with mobile phones under Rs. 20,000 in India. These phones are perfect for everyday use, offering good performance, great cameras, and long battery life. With bright and clear screens, they make watching videos and browsing the web enjoyable. These are ideal for students, professionals, and anyone looking for a reliable phone.
Now you can buy mobile phones under Rs. 20,000 on Easy EMIs with a pre-approved loan from Bajaj Finserv. Check your loan eligibility and keep shopping. Learn more about the latest smartphones on Bajaj Mall or visit one of 1.5 lakh+ partner stores across 4,000+ cities. Shop on Easy EMIs from Bajaj Finserv, with repayment options from 1 month to 60 months. Enjoy benefits like zero down payment and free home delivery on select products.
Latest mobile phones under Rs. 20,000 with key features and specifications
Phones under Rs. 20,000 in India offer great value with reliable performance, good battery life, and impressive cameras. Brands like Realme, Xiaomi, Samsung, vivo, etc. provide excellent options in this price range. These phones are perfect for everyday use, offering smooth multitasking, vibrant displays, and stylish designs. Whether you need a phone for work, study, or entertainment, these budget-friendly options ensure you get the best features without overspending
Always check the latest offers before buying your next smartphone on Easy EMI from Bajaj Finserv.
1. POCO X7 5G
The POCO X7 5G offers a balanced performance with its Dimensity 7300 Ultra processor, making it suitable for multitasking and gaming. Its 120Hz AMOLED display ensures smooth visuals, and the 5500 mAh battery provides extended usage.
Feature |
Details |
Storage |
128GB |
Processor |
MediaTek Dimensity 7300 Ultra |
RAM |
8GB |
Operating System |
Android v14 |
Price (Rs.) |
Rs. 18,999 |
2. moto G85 5G
moto G85 5G stands out with its Snapdragon 6s Gen 3 processor, offering efficient performance. The device's 120Hz AMOLED display and 5000 mAh battery cater to users seeking a smooth and long-lasting experience.
Feature |
Details |
Storage |
256GB |
Processor |
Snapdragon 6s Gen 3 |
RAM |
12GB |
Operating System |
Android v14 |
Price (Rs.) |
Rs. 19,907 |
3. iQOO Z9 5G
The iQOO Z9 5G, powered by the Dimensity 7200 processor, delivers robust performance. Its 120 Hz AMOLED display and 5000 mAh battery make it ideal for multimedia consumption and gaming.
Feature |
Details |
Storage |
128GB |
Processor |
MediaTek Dimensity 7200 |
RAM |
8GB |
Operating System |
Android v14 |
Price (Rs.) |
Rs. 17,499 |
4. Nothing Phone 2a
The Nothing Phone 2a features a unique design with its Glyph Interface. Equipped with the Dimensity 7200 Pro processor and a 120Hz AMOLED display, it ensures a distinctive and smooth user experience.
Feature |
Details |
Storage |
128GB |
Processor |
MediaTek Dimensity 7200 Pro |
RAM |
8GB |
Operating System |
Android v14 |
Price (Rs.) |
Rs. 18,799 |
5. realme P3 5G
The realme P3 5G combines the Snapdragon 6 Gen 4 processor with a 120Hz AMOLED display, offering smooth performance. Its 6000 mAh battery ensures prolonged usage, suitable for heavy users.
Feature |
Details |
Storage |
256GB |
Processor |
Snapdragon 6 Gen 4 |
RAM |
8GB |
Operating System |
Android v15 |
Price (Rs.) |
Rs. 19,999 |
6. Infinix Note 50X 5G
Infinix Note 50X 5G offers value with its Dimensity 7300 Ultimate processor and 120Hz display. The device's 5500 mAh battery supports extended usage, making it suitable for daily tasks.
Feature |
Details |
Storage |
128GB |
Processor |
MediaTek Dimensity 7300 Ultimate |
RAM |
8GB |
Operating System |
Android v15 |
Price (Rs.) |
Rs. 12,999 |
7. vivo Y39 5G
The vivo Y39 5G, with its Snapdragon 4 Gen 2 processor, offers efficient performance. The device's 120 Hz display and 6500 mAh battery cater to users seeking longevity and smooth visuals.
Feature |
Details |
Storage |
256GB |
Processor |
Snapdragon 4 Gen 2 |
RAM |
8GB |
Operating System |
Android v15 |
Price (Rs.) |
Rs. 18,999 |
8. Samsung Galaxy F16 5G
The Samsung Galaxy F16 5G features the Dimensity 6300 processor and a 90Hz AMOLED display. Its 5000 mAh battery ensures reliable performance for daily tasks.
Feature |
Details |
Storage |
128GB |
Processor |
MediaTek Dimensity 6300 |
RAM |
8GB |
Operating System |
Android v15 |
Price (Rs.) |
Rs. 14,499 |
9. vivo T4x 5G
vivo T4x 5G combines the Dimensity 7300 processor with a 120Hz display, offering smooth performance. Its 6500 mAh battery supports extended usage, suitable for multimedia consumption.
Feature |
Details |
Storage |
256GB |
Processor |
MediaTek Dimensity 7300 |
RAM |
8GB |
Operating System |
Android v15 |
Price (Rs.) |
Rs. 16,999 |
10. Samsung Galaxy M16 5G
Samsung Galaxy M16 5G offers the Dimensity 6300 processor and a 90Hz AMOLED display. It is designed for users looking for consistent performance with reliable battery life and display clarity, ideal for everyday browsing, streaming, and casual gaming.
Feature |
Details |
Storage |
128GB |
Processor |
MediaTek Dimensity 6300 |
RAM |
6GB |
Operating System |
Android v15 |
Price (Rs.) |
Rs. 13,499 |
Price list of the best mobile phones under Rs. 20,000 in India
Listed below is the price of the above-mentioned mobiles phones under Rs. 20,000.
Model |
Price |
Infinix Note 50X 5G |
Rs. 12,999 |
Samsung Galaxy M16 5G |
Rs. 13,499 |
Samsung Galaxy F16 5G |
Rs. 14,499 |
vivo T4x 5G |
Rs. 16,999 |
iQOO Z9 5G |
Rs. 17,499 |
Nothing Phone 2a |
Rs. 18,799 |
POCO X7 5G |
Rs. 18,999 |
vivo Y39 5G |
Rs. 18,999 |
moto G85 5G |
Rs. 19,907 |
realme P3 5G |
Rs. 19,999 |
Disclaimer: Each model's features, availability, and pricing are subject to change and may vary. For the most accurate and up-to-date information, please visit the official website.
Explore mobile phones under Rs. 20,000 on Easy EMIs from Bajaj Finserv
Bajaj Mall is the best online destination for you to read about all the details, features, and specs of your desired product. Once you have gathered all the information you want, head to the nearest Bajaj Finserv partner store and select the mobile under Rs. 20,000 you want. You can get a pre-approved loan to fund your purchase. You can check your pre-approved loan limit online or at the store. After that, provide your basic details, and convert the cost of your purchase into Easy EMIs.
Benefits of shopping with Bajaj Finserv’s financing options
- Competitive prices: Bajaj Finserv partner stores offer unbeatable prices, making sure that your purchase fits your budget effortlessly.
- Easy EMIs: With Bajaj Finserv’s financing options, you can easily afford your selected product. Enjoy the freedom to choose a repayment tenure that aligns with your financial comfort.
- No upfront payment: Enjoy the convenience of no initial lump sum payment on select products, thanks to the zero down payment policy.
- Wide selection and accessibility: Finding your preferred product has never been simple. Explore an extensive collection available at Bajaj Finserv partner stores across the country.
- Exclusive deals and cashback: When you shop at a Bajaj Finserv partner store, you unlock access to exclusive deals and exciting cashback offers, enhancing your shopping experience.
- Free home delivery: Enjoy the added benefit of free delivery on select products, making your shopping journey even more seamless.
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Frequently asked questions
realme and iQOO offer some of the best smartphones under Rs. 20,000, balancing performance, camera, and battery life. motorola and POCO also provide value-for-money options with 5G support, AMOLED displays, and fast processors, making them popular among budget-conscious users looking for premium features at an affordable price.
The iQOO Z9 5G is considered the best phone under Rs. 20,000 in 2025 due to its powerful Dimensity 7200 processor, smooth 120Hz AMOLED display, and solid build. It delivers excellent gaming, multimedia, and multitasking performance while maintaining a competitive price, making it a top all-rounder choice.
The Nothing Phone 2a features excellent low-light performance with its dual 50MP sensors, enhanced by Night Mode and image processing optimisations. It captures clear, detailed photos in dim environments, making it the best night camera phone in this segment, especially for users who love night photography.
Yes, several 5G smartphones are available under Rs. 20,000. Brands like iQOO, POCO, realme, and Samsung offer devices with 5G support, allowing faster internet speeds and improved connectivity. Models such as the iQOO Z9 5G and POCO X7 5G offer reliable 5G performance within this budget.
The realme P3 5G delivers top-tier camera quality under Rs. 20,000 with AI-enhanced image processing, a high-resolution primary sensor, and effective stabilisation. It is great for daylight photography, portraits, and even low-light scenes, making it ideal for users focused on capturing detailed and vibrant images.
Yes, phones like the iQOO Z9 5G and POCO X7 5G cater to budget gamers with powerful chipsets and high refresh rate displays. These devices offer smooth gameplay, decent thermals, and long battery life, making them excellent options for mobile gaming without crossing the Rs. 20,000 mark.
Most smartphones under Rs. 20,000 now support fast charging, typically between 33 W to 45 W. This ensures quicker battery top-ups, enhancing daily convenience. Models from realme, iQOO, and POCO include fast charging technology, making them suitable for users with demanding schedules and extended screen time.
The Nothing Phone 2a offers the best display quality in this price range with a 6.7-inch AMOLED screen and 120 Hz refresh rate. It delivers vibrant colours, deep blacks, and smooth transitions, perfect for binge-watching, gaming, and scrolling through content with excellent brightness and viewing angles.
Some smartphones under Rs. 20,000 come with IP52 or IP54 splash-resistant ratings, offering basic protection from water splashes and dust. Devices like the moto G85 5G and Samsung Galaxy F16 5G provide this added durability, making them suitable for light outdoor use or unpredictable weather conditions.
Yes, you can purchase phones under Rs. 20,000 on Easy EMIs from Bajaj Finserv. If you are an existing user of the Bajaj Finserv Insta EMI Card:
- Explore the range of smartphones on Bajaj Mall
- Choose the preferred model and visit a Bajaj Finserv partner store to check it out in person
- Use your Bajaj Finserv Insta EMI Card and avail of Easy EMIs for affordable monthly payments
If you do not have it, check your eligibility for a Bajaj Finserv Insta EMI Card and take the first step towards enjoying the affordability and convenience of Easy EMIs.
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.
