Camera phones under Rs. 20,000 offer a good mix of photography, performance and everyday features. Many models include 50MP main cameras, OIS, ultrawide or telephoto lenses, high-resolution selfie cameras and 5G connectivity. Whether you enjoy portraits, landscapes, selfies or casual video recording, comparing camera hardware, image processing, battery life and display quality can help you choose the right phone for your needs.
Below is a list of the best camera phones under Rs. 20,000, with their key specifications and best use cases.
motorola Edge 60 Fusion
The motorola Edge 60 Fusion is a strong option for photography, combining a 50MP OIS main camera with a 13MP ultrawide sensor. Its 32MP selfie camera also makes it suitable for portraits, social media and video calls.
Feature
| Details
|
Display
| 6.67-inch pOLED, 120Hz
|
Processor
| MediaTek Dimensity 7400
|
RAM
| 8GB / 12GB
|
Storage
| 256GB
|
Rear camera
| 50MP OIS + 13MP ultrawide
|
Front camera
| 32MP
|
Battery
| 5,500 mAh
|
Charging
| 68W
|
OS
| Android
|
Best for
| Overall photography and portraits
|
CMF Phone 2 Pro
The CMF Phone 2 Pro stands out with a dedicated 50MP telephoto camera, giving users more flexibility for portraits and distant subjects. Its 8MP ultrawide camera and 16MP selfie camera add versatility for everyday photography.
Feature
| Details
|
Display
| 6.77-inch AMOLED, 120Hz
|
Processor
| MediaTek Dimensity 7300 Pro
|
RAM
| 8GB
|
Storage
| 128GB / 256GB
|
Rear camera
| 50MP + 50MP telephoto + 8MP ultrawide
|
Front camera
| 16MP
|
Battery
| 5,000 mAh
|
Charging
| 33W
|
OS
| Nothing OS based on Android
|
Best for
| Portraits and versatile photography
|
vivo T4x 5G
The vivo T4x 5G is aimed at users who want a capable camera setup alongside strong battery life. Its 50MP main camera handles everyday photos, while the large battery supports extended use between charges.
Feature
| Details
|
Display
| 6.72-inch FHD+, 120Hz LCD
|
Processor
| MediaTek Dimensity 7300
|
RAM
| 6GB / 8GB
|
Storage
| 128GB / 256GB
|
Rear camera
| 50MP + 2MP
|
Front camera
| 8MP
|
Battery
| 6,500 mAh
|
Charging
| 44W
|
OS
| Funtouch OS based on Android
|
Best for
| Everyday photography and battery life
|
Nothing Phone (2a)
The Nothing Phone (2a) combines two 50MP rear cameras with a 32MP selfie camera. Its ultrawide camera is useful for landscapes and group shots, while the OIS-supported main camera helps with handheld photography.
Feature
| Details
|
Display
| 6.7-inch AMOLED, 120Hz
|
Processor
| MediaTek Dimensity 7200 Pro
|
RAM
| 8GB / 12GB
|
Storage
| 128GB / 256GB
|
Rear camera
| 50MP OIS + 50MP ultrawide
|
Front camera
| 32MP
|
Battery
| 5,000 mAh
|
Charging
| 45W
|
OS
| Nothing OS based on Android
|
Best for
| Photography and video
|
realme P3 Pro 5G
The realme P3 Pro 5G offers a 50MP OIS main camera designed for stable handheld shots. Its AMOLED display and large battery also make it suitable for users who want photography alongside entertainment and daily use.
Feature
| Details
|
Display
| 6.83-inch AMOLED, 120Hz
|
Processor
| Snapdragon 7s Gen 3
|
RAM
| 8GB / 12GB
|
Storage
| 128GB / 256GB
|
Rear camera
| 50MP OIS + 2MP
|
Front camera
| 16MP
|
Battery
| 6,000 mAh
|
Charging
| 80W
|
OS
| Android
|
Best for
| Photography and entertainment
|
What is the price of the best camera phones under Rs. 20,000?
Camera phones under Rs. 20,000 are available across different price points, with higher-priced models generally offering more capable sensors, OIS, telephoto cameras or better selfie hardware. Compare the camera setup alongside RAM and storage before choosing.
Model
| RAM
| Storage
| Price
| Best for
|
vivo T4x 5G
| 6GB
| 128GB
| Rs. 15,499
| Everyday photography
|
CMF Phone 2 Pro
| 8GB
| 128GB
| Rs. 18,999
| Portraits
|
motorola Edge 60 Fusion
| 8GB
| 256GB
| Rs. 19,999
| Overall photography
|
Nothing Phone (2a)
| 8GB
| 128GB
| Rs. 19,999
| Photos and video
|
realme P3 Pro 5G
| 8GB
| 128GB
| Rs. 19,999
| Photography and entertainment
|
Disclaimer: Prices are subject to change. Please check the official website for the most accurate and up-to-date information. Explore the latest offers from Bajaj Finance and grab the best deals for a premium shopping experience.
What are my financing options to buy a phone?
Bajaj Finance offers two financing options at over 1.5 lakh partner stores across 4,000 cities in India. Here is how they compare:
Option
| Limit
| Key features
|
Bajaj Finance Insta EMI Card
| Pre-approved card loan offer up to Rs. 6 lakh
| 3 to 60 months tenure; works at 1.5 lakh partner stores; 1 million eligible products
|
Bajaj Finance Easy EMI Loan
| Loan limit up to Rs. 5 lakh
| Quick loan approval; 3 to 60 months tenure; basic KYC documents needed; ideal for higher-value purchases
|
How to choose? Both options require you to be physically present at a partner store. The Insta EMI Card is ideal for shoppers who want to purchase across multiple categories over time. The Easy EMI Loan suits buyers looking to finance a higher-value purchase in a single transaction.
Also explore the latest offers. You may find a great deal on a model that matches your needs.
How do I buy a phone on EMI at a Bajaj Finance partner store?
The process is simple and typically takes 10 to 15 minutes once you are at the store.
- Browse models on Bajaj Mall: Compare options on Bajaj Mall before visiting a store.
- Find a partner store near you: Use the Bajaj Finance store locator to find a nearby partner outlet such as Croma, Vijay Sales, or other authorised retailers.
- Check the phone in person: Check the key features and specs to choose the product that best suits your needs and budget.
- Choose a suitable EMI option: At checkout, ask the store executive about the Bajaj Finance Insta EMI Card or Easy EMI Loan. Confirm available tenure options and whether your chosen model comes with a zero down payment offer.
- Complete your purchase: Confirm the final price, EMI amount, tenure, and applicable charges with the store executive.
You can also check your loan eligibility online in advance by entering your mobile number and OTP, helping you plan your purchase better before visiting the store.
Why use the Smart Savings Calculator?
Bajaj Finance's Smart Savings Calculator helps you unlock maximum savings every time you shop at partner stores. It brings together all available brand, dealer, and scheme offers, so you can see your total savings instantly and shop smarter with Easy EMIs.
- Dealer offers: Grab exclusive in-store deals at over 1.5 lakh partner stores across India.
- Brand offers: Access limited-time discounts from top brands across electronics and appliances.
- Bajaj offers: Unlock exclusive Bajaj Finance deals available only to our customers.
- Scheme offers: Take advantage of time-sensitive offers on select EMI schemes.
Calculate your extra savings now!
Mobiles by brands
Mobiles by features
Mobiles by budget
5G mobiles by brands
5G mobiles by budget
Brands by budget (Rs. 20,000)
vivo mobiles under Rs. 20,000
| Samsung mobiles under Rs. 20,000
| OnePlus mobiles under Rs. 20,000
|
iQOO mobiles under Rs. 20,000
| Xiaomi mobiles under Rs. 20,000
| POCO mobiles under Rs. 20,000
|
Infinix mobiles under Rs. 20,000
| realme mobiles under Rs. 20,000
| motorola mobiles under Rs. 20,000
|
Huawei mobiles under Rs. 20,000
|
|
|
