3 min
24th January 2026

The best camera phones under Rs. 20,000 offer stunning photo quality, easily capturing every detail. With advanced camera features like night mode, portrait mode, and ultra-wide lenses, you can take professional-looking photos anytime, anywhere. Plus, they come with great displays, long-lasting batteries, and good storage, making them perfect for photography enthusiasts who want great performance without spending much.

Do not be worried about paying the entire cost of your desired smartphone at once. Pay in EMIs as you might qualify for a pre-approved loan from Bajaj Finserv to buy your desired device on Easy EMIs. 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 3 months to 60 months. Enjoy benefits like zero down payment on select products.

 Top 10 best camera phones under Rs. 20,000

If you are looking for the best camera phones under Rs. 20,000, check out models from brands like realme, moto, OPPO, Samsung, etc. These phones offer impressive camera setups with features like night mode, portrait mode, and ultra-wide lenses, ensuring you capture stunning photos in any condition. 

Do not forget to check the latest offers on the best camera phones before making your next purchase on Easy EMIs.

Best camera phones under Rs. 20.000 available online in India

Xiaomi Redmi Note 13 Pro 5G

The Xiaomi Redmi Note 13 Pro 5G offers a 200MP triple rear camera and a 16MP front camera, making it one of the best camera phones under Rs. 20,000. It comes with Snapdragon 7s Gen 2, a 6.67-inch 120Hz display, and a 5100 mAh battery with 67W fast charging.

Specification

Details

Display

6.67-inch, 120Hz

Processor

Snapdragon 7s Gen 2

RAM

8GB

Storage

256GB

Rear camera

200MP + supporting lenses

Front camera

16MP

Battery

5100 mAh

Charging

67W fast charging


Infinix Note 30 5G

The Infinix Note 30 5G features a 108MP triple rear camera and a 16MP front camera. It is powered by MediaTek Dimensity 6080, has a 6.78-inch 120Hz display, and a 5000 mAh battery with 45W fast charging.

Specification

Details

Display

6.78-inch, 120Hz

Processor

MediaTek Dimensity 6080

RAM

8GB

Storage

128GB

Rear camera

108MP + 2MP + 2MP

Front camera

16MP

Battery

5000 mAh

Charging

45W fast charging


Xiaomi Redmi Note 13 5G (8GB RAM + 256GB)

The Xiaomi Redmi Note 13 5G comes with a 108MP triple rear camera and a 16MP front camera. It has a 6.67-inch AMOLED display, Dimensity 6080 processor, and a 5000 mAh battery with 33W fast charging.

Specification

Details

Display

6.67-inch AMOLED

Processor

MediaTek Dimensity 6080

RAM

8GB

Storage

256GB

Rear camera

108MP + 2MP + 2MP

Front camera

16MP

Battery

5000 mAh

Charging

33W fast charging


Xiaomi Redmi Note 13 5G (12GB RAM + 256GB)

This variant of the Redmi Note 13 5G offers 12GB RAM and 256GB storage. It features a 108MP triple rear camera, 16MP front camera, Dimensity 6080 processor, and a 5000 mAh battery with 33W fast charging.

Specification

Details

Display

6.67-inch AMOLED

Processor

MediaTek Dimensity 6080

RAM

12GB

Storage

256GB

Rear camera

108MP + 2MP + 2MP

Front camera

16MP

Battery

5000 mAh

Charging

33W fast charging


POCO X6 Neo (12GB RAM + 256)

The POCO X6 Neo is equipped with a 108MP dual rear camera and a 16MP front camera. It has a 6.67-inch AMOLED display, Dimensity 6080 processor, and a 5000 mAh battery with 33W fast charging.

Specification

Details

Display

6.67-inch AMOLED

Processor

MediaTek Dimensity 6080

RAM

12GB

Storage

256GB

Rear camera

108MP + 2MP

Front camera

16MP

Battery

5000 mAh

Charging

33W fast charging


POCO X6 Neo (8GB RAM + 128GB)

This variant of the POCO X6 Neo offers 8GB RAM and 128GB storage. It features a 108MP dual rear camera, 16MP front camera, Dimensity 6080 processor, and a 5000 mAh battery with 33W fast charging.

Specification

Details

Display

6.67-inch AMOLED

Processor

MediaTek Dimensity 6080

RAM

8GB

Storage

128GB

Rear camera

108MP + 2MP

Front camera

16MP

Battery

5000 mAh

Charging

33W fast charging


Infinix Note 40 5G

The Infinix Note 40 5G comes with a 108MP triple rear camera and a 32MP front camera. It is powered by Dimensity 7020, has a 6.78-inch AMOLED display, and a 5000 mAh battery with 33W fast charging.

Specification

Details

Display

6.78-inch AMOLED

Processor

MediaTek Dimensity 7020

RAM

8GB

Storage

128GB

Rear camera

108MP + 2MP + 2MP

Front camera

32MP

Battery

5000 mAh

Charging

33W fast charging


TECNO Pova 6 Pro

The TECNO Pova 6 Pro features a 108MP triple rear camera and a 32MP front camera. It has a Dimensity 6080 processor, 6.78-inch AMOLED display, and a 6000 mAh battery with 70W fast charging.

Specification

Details

Display

6.78-inch AMOLED

Processor

MediaTek Dimensity 6080

RAM

8GB

Storage

128GB

Rear camera

108MP + 2MP + 2MP

Front camera

32MP

Battery

6000 mAh

Charging

70W fast charging


HONOR X9B

The HONOR X9B offers a 108MP triple rear camera and a 16MP front camera. It comes with Snapdragon 6 Gen 1, a 6.78-inch AMOLED display, and a 5800 mAh battery with 35W fast charging.

Specification

Details

Display

6.78-inch AMOLED

Processor

Snapdragon 6 Gen 1

RAM

8GB

Storage

128GB

Rear camera

108MP + 2MP + 2MP

Front camera

16MP

Battery

5800 mAh

Charging

35W fast charging


Alcatel V3 Ultra

The Alcatel V3 Ultra is equipped with a 108MP triple rear camera and a 32MP front camera. It has a Dimensity 6300 processor, 6.78-inch AMOLED display, and a 5010 mAh battery with 33W fast charging.

Specification

Details

Display

6.78-inch AMOLED

Processor

MediaTek Dimensity 6300

RAM

8GB

Storage

128GB

Rear camera

108MP + 2MP + 2MP

Front camera

32MP

Battery

5010 mAh


*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.

Now you can use the Maha Bachat savings calculator to combine various offers like dealer offers, brand offers, Bajaj offers, and EMI offers—making your purchase of electronics and appliances more pocket-friendly. Calculate your extra savings today and enjoy shopping with Bajaj Finserv.

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Bajaj Finserv puts you in control of your shopping. See if you are eligible for a loan and get instant approval in just a few steps. Once approved, go to any of 1.5 lakh+ partner stores across India. Pick from over 1 million products from 550+ leading brands. Pay in Easy EMIs with 50+ flexible options that fit your budget. Enjoy a fast, seamless, and stress-free shopping experience—with more freedom and more savings.

Why use the Maha Bachat Savings Calculator

Bajaj Finserv’s Maha Bachat 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.

  1. Dealer offers - Grab exclusive in-store deals at over 1.5 lakh partner stores across India. Enjoy local discounts and special prices you will not find online.
  2. Brand offers - Access limited-time discounts from top brands across electronics, appliances, and more. Discover brand-specific savings selected just for you.
  3. Bajaj offers - Unlock exclusive Bajaj Finserv deals on popular products—available only to our customers. More rewards, more value.
  4. Scheme offers - Take advantage of time-sensitive offers on select EMI schemes. Get extra benefits after paying just 3 EMIs—visible during EMI selection at checkout.

Mobiles by brands

vivo mobiles

Lava mobiles

iQOO mobiles

Tecno mobiles

OnePlus mobiles

Samsung mobiles

realme mobiles

Nokia mobiles

Xiaomi mobiles

Infinix mobiles

motorola mobiles

 


Mobiles by features

10000mAh battery mobiles

120W fast charging mobiles

Xiaomi curved display mobile

200MP camera mobiles

16GB RAM mobiles

Flagship mobiles

Dolby Atmos phones

Dual stereo speaker Mobiles

Mobiles with optical zoom

Ultra-wide camera phones

Sony IMX sensor camera mobiles

 


Mobiles by budget

Mobiles under Rs. 10,000

Mobiles under Rs. 15,000

Mobiles under Rs. 20,000

Mobiles under Rs. 25,000

Mobiles under Rs. 30,000

Mobiles under Rs. 35,000

Mobiles under Rs. 50,000

Mobiles under Rs. 60,000

Mobiles under Rs. 80,000


5G mobiles by brands

OPPO 5G mobiles

realme 5G mobiles

Nokia 5G mobiles

motorola 5G mobiles

Samsung 5G mobiles

Mi 5G mobiles

vivo 5G mobiles

Google 5G mobiles

iQOO 5G mobiles

 

5G mobiles by budget

5G mobiles under Rs. 15,000

5G mobiles under Rs. 20,000

5G mobiles under Rs. 25,000

5G mobiles under Rs. 30,000

5G mobiles under Rs. 40,000

 


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

 

 

Pro tip

Explore with rewards, cashbacks, coupons, and deals from Bajaj Finserv.

Frequently asked questions 

Can I buy the best camera phones under Rs. 20,000 on EMIs?

Yes, you can purchase the best camera phones under Rs. 20,000 on Bajaj Finserv’s Easy EMI options once it is available. 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
  • Enjoy your mobile phone on Easy EMIs.

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.

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Disclaimer

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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.

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