When planning to buy a mobile phone, you look forward to a range of things such as standout features, power-packed performance modules, and affordability. Checking all the boxes in that list can be tricky, but with the latest advancements in the market, you can easily access every specification of your choice in a pocket-friendly manner by purchasing a phone under Rs. 20,000 on Easy EMI. By shopping on the Bajaj Finserv EMI Network, you can ease the burden of an outright payment. Now that you know of a convenient way to make this purchase, look at some of the outstanding smartphones available within the budget of Rs. 20,000.

vivo Y56 5G (8GB RAM, 128GB ROM)

The vivo Y56 5G comes equipped with the innovative extended RAM 3.0 technology that adds up to 8GB RAM to the base RAM. This additional memory is drawn from the idle ROM, resulting in the phone’s lag-free performance. The RAM works with the mid-range MediaTek Dimensity 700 chip to ensure the phone’s smooth and fatigue-free performance.

The OPPO A78 5G houses a large 5,000 mAh battery with 33 W SuperVOOC support to fuel your productivity. The battery ensures that the smartphone remains operational for long hours, while you can refill the tank back to 100% in just 67 minutes. The hardware is packaged in a slim body that measures 7.9 mm in thickness, and the device weighs just 188 g, enhancing convenience.

The ultra-linear stereo speaker and an expansive 6.56-inch HD+ display allow you to enjoy streaming your favourite shows and movies on this OPPO A57 smartphone. The display also boasts an AI Eye Comfort feature with blue light reduction, resulting in a comfortable all-day viewing experience. The AI System Booster and 4GB Extended RAM feature optimise the phone’s performance, ensuring its lag-free and streamlined performance.

Running on a Qualcomm Snapdragon (6 nm) 680 Octa-Core processor that clocks up to 2.4 GHz, the vivo Y35 handset executes CPU-intensive tasks efficiently. Another highlight of this handset is its incredible camera module, featuring a 50MP primary camera, a 2MP Bokeh camera, and a 2MP macro lens. The main camera is also supported by an Electronic Image Stabilisation (EIS) feature and stabilisation algorithms, delivering crisp, blur-free videos.

You can remain future-ready with the Redmi Note 12 5G, which comes with the new-gen dual 5G support. The device is powered by a robust Snapdragon 4 Gen 1 (6 nm) processor that provides unrivalled performance in its segment. You can seamlessly switch between multiple applications, thanks to the 6GB RAM. If the 128GB internal storage is not enough, you can effortlessly expand it up to 1 TB using a microSD card.

One of the best budget handsets in the market, TECNO Spark 10 5G boasts 8GB physical RAM and up to 8GB customisable Memory Fusion RAM. You can toggle between different tabs and applications or switch between games, calls, or texts without experiencing any lags. At the back, the device houses a 50MP primary camera with a large f/1.6 aperture and PDAF, which lets you click vivid and clear Super Night images. The RAW domain noise reduction algorithm ensures that the photos you click are crystal clear, regardless of the lighting conditions.

The 18 W fast charge support and the vivo Energy Guardian (VEG) feature optimise and boost the battery performance of this handset. The 5,000 mAh battery delivers all-day performance thanks to the AI power-saving technology. Furthermore, the phone’s reverse charging feature enables you to power other devices using the smartphone. The 2.5D curvature and metallic sheen on the surface – thanks to advanced surface texturing techniques – make this device look ultra-premium. vivo Y22 comes with an 8MP front camera and a 50MP + 2MP rear camera.

Taking your photography skills to the next level, the OPPO A77s sports a 50MP main camera and a bokeh lens. The primary camera lets you capture ultra-clear 108MP images that retain rich colour and sharp details. The bokeh lens enables Bokeh Flare Portrait, which allows you to add glamour to your portrait shots. The front camera has features such as AI Portrait Retouching, Portrait Bokeh, and Selfie HDR. Using this model, you can upload incredibly crisp and vivid images to your social media channels.

A pocket-friendly yet robust smartphone, the vivo Y16’s back cover has been designed using PMMA and PC materials, which provide a unique glass-like texture. This safeguards the phone from daily wear and tear, and the back cover is scratch and fingerprint-resistant. The 2.5D curvature and flat frame offer a comfortable grip, while the smartphone has been put through rigorous testing to ensure its long-lasting performance.

Best mobile phones under Rs. 20,000 - Price list [2025]

Also read: vivo V27 5G mobile specs and price in India

Buy smartphones under Rs. 20,000 with the Bajaj Finserv Insta EMI Card

Now that you have information about some of the best smartphones under Rs. 20,000 that you can buy, take the time to pick one that best suits you. Once you have decided, shop using a deal of your choice on the Bajaj Finserv EMI Network.

With over 1.5 lakh+ partner stores across 4,000+ cities cities, you can choose a retailer of your preference and take advantage of any available offers. Further, you can buy the phone of your choice basis a cashless transaction using the Bajaj Finserv Insta EMI Card during checkout. In case you do not have the card, opt for in-store financing by approaching a representative available at the retail outlet. Apart from the ease of transactions, you also get to buy your device on Easy EMI, without paying any interest on your EMIs. To begin with, check your pre-approved offer and opt for a customised EMI plan right now.