2 min read
Oct 26, 2026

Here’s an example of how your credit card dues and other loan payments can be clubbed together to reduce your monthly EMI and help you save money.

Let’s say you have an active credit card for your personal and business expenses, and over time the balance has reached Rs.1 lakh with at the annual interest rate of 20%. You also availed a business loan of Rs.12 lakh 12% interest rate for a tenor of 1 year, to fuel the needs of your business. By consolidating your credit card debt and your business with a personal loan of 11% interest can help you save more than 8% on your monthly interest. Here is how debt consolidation helps you save money:

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Which are the best vivo mobile phones under Rs. 15,000?

vivo phones under Rs. 15,000 offer practical options for everyday use, with features such as AMOLED displays, capable processors, 5G connectivity, high-resolution cameras and long-lasting batteries. Whether you prioritise photography, entertainment, gaming or reliable daily performance, there are models to suit different needs and budgets.

Below is a list of the best vivo mobile phones under Rs. 15,000, along with their key specifications and ideal use cases.

vivo Y19 5G

The vivo Y19 5G suits everyday users who want affordable 5G connectivity, a 5,500 mAh battery and a large 6.74-inch display for calls, social media and entertainment. 

FeatureDetails
Display6.74-inch LCD
ProcessorMediaTek Dimensity 6300, up to 2.4GHz
RAM4GB / 6GB
Storage64GB / 128GB
Rear Camera13MP + 5MP
Front Camera5MP
Battery5,500 mAh
Charging Speed15W
OSFuntouch OS 15 based on Android 15
Best ForEveryday use and 5G connectivity


Also check: Latest vivo mobile phones


vivo T5e

The vivo T5e is suited to users who prioritise battery endurance and durability, with a 5,500 mAh battery, IP64 protection and OriginOS 6.0. 

FeatureDetails
Display6.74-inch HD+, 90Hz
ProcessorUnisoc T7225
RAM4GB
Storage64GB
Rear Camera8MP
Front Camera5MP
Battery5,500 mAh
Charging Speed15W
OSOriginOS 6.0
Best ForBattery life and everyday use


vivo Y19s 5G


The vivo Y19s 5G is a practical choice for users who want 5G, a 6,000 mAh battery and IP64 protection without moving beyond the Rs. 15,000 price segment. 

FeatureDetails
Display6.74-inch LCD
ProcessorMediaTek Dimensity 6300, up to 2.4GHz
RAM4GB / 6GB
Storage64GB / 128GB
Rear Camera13MP + 0.08MP
Front Camera5MP
Battery6,000 mAh
Charging Speed15W
OSFuntouch OS 15 based on Android 15
Best For5G, battery life and everyday use


vivo T4 Lite 5G


The vivo T4 Lite 5G is a strong option for buyers wanting longer battery life, with a 6,000 mAh battery, Dimensity 6300 processor, 90Hz display and IP64 protection. 

FeatureDetails
Display6.74-inch LCD, 90Hz
ProcessorMediaTek Dimensity 6300, up to 2.4GHz
RAM4GB / 6GB / 8GB
Storage128GB / 256GB
Rear Camera50MP
Front Camera5MP
Battery6,000 mAh
Charging Speed15W
OSFuntouch OS 15 based on Android 15
Best For5G, battery life and entertainment


vivo Y05


The vivo Y05 is designed for users who prioritise battery capacity and a smooth display, offering a 6,500 mAh battery, 120Hz refresh rate and IP65 protection. 

FeatureDetails
Display6.74-inch HD+ LCD, 120Hz
ProcessorUnisoc T7225
RAM4GB
Storage64GB
Rear Camera8MP
Front Camera5MP
Battery6,500 mAh
Charging Speed15W
OSOriginOS 6.0 based on Android 16
Best ForLong battery life and everyday use


vivo T3 Lite 5G


The vivo T3 Lite 5G suits buyers looking for affordable 5G connectivity, with a Dimensity 6300 processor, 50MP Sony camera, 90Hz display and 5,000 mAh battery. 

FeatureDetails
Display6.56-inch LCD, 90Hz
ProcessorMediaTek Dimensity 6300, up to 2.4GHz
RAM4GB / 6GB
Storage128GB
Rear Camera50MP + 2MP
Front Camera8MP
Battery5,000 mAh
Charging Speed15W
OSFuntouch OS 14 based on Android 14
Best ForAffordable 5G and photography

What is the price of the best vivo phones under Rs. 15,000?

vivo phones under Rs. 15,000 offer options for everyday use, photography, entertainment and 5G connectivity. Prices vary by model and storage configuration, helping you choose a phone based on your budget and requirements.

ModelRAMStoragePriceBest for
vivo Y184GB64GBRs. 8,999Everyday use
vivo Y19e4GB64GBRs. 9,999Basic use and entertainment
vivo Y29 5G4GB128GBRs. 13,9995G and everyday use
vivo Y28 5G4GB128GBRs. 14,4995G and entertainment
vivo T3x 5G4GB128GBRs. 13,499Gaming and performance
vivo Y39 5G8GB128GBRs. 14,999Battery and daily use

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:

OptionLimitKey features
Bajaj Finance Insta EMI CardPre-approved card loan offer up to Rs. 6 lakh3 to 60 months tenure; works at 1.5 lakh partner stores; 1 million eligible products
Bajaj Finance Easy EMI LoanLoan limit up to Rs. 5 lakhQuick 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.

  1. Browse models on Bajaj Mall: Compare options on Bajaj Mall before visiting a store.
  2. 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.
  3. Check the phone in person: Check the key features and specs to choose the product that best suits your needs and budget.
  4. 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.
  5. 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!


Mobile by brands

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Infinix mobilesmotorola mobiles 

 

Mobile by budget

mobiles under Rs. 10,000mobiles under Rs. 15,000mobiles under Rs. 20,000
mobiles under Rs. 25,000mobiles under Rs. 30,000mobiles under Rs. 35,000
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5G mobiles by brand

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5G mobiles by budget

5G mobiles under Rs. 15,0005G mobiles under Rs. 20,0005G mobiles under Rs. 25,000
5G mobiles under Rs. 30,0005G mobiles under Rs. 40,000 

 

Brand by budget (Rs. 20,000)

vivo mobile under Rs. 20,000Samsung mobile under Rs. 20,000OnePlus mobile under Rs. 20,000
iQOO mobile under Rs. 20,000Xiaomi mobile under Rs. 20,000POCO mobile under Rs. 20,000
Infinix mobile under Rs. 20,000realme mobile under Rs. 20,000motorola mobile under Rs. 20,000
Huawei phones under Rs. 20,000  

Bajaj Finance app for all your financial needs and goals

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

You can use the Bajaj Finance 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 Finance App today and experience the convenience of managing your finances on one app.

Do more with the Bajaj Finance App!

UPI, Wallet, Loans, Investments, Cards, Shopping and more

GET THE 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 IVR: 7757000000

Frequently asked questions

Which vivo phone is best under Rs. 15,000?

The vivo T4 Lite 5G is a strong all-round option under Rs. 15,000, offering 5G connectivity, a Dimensity 6300 processor, 6,000 mAh battery and 90Hz display for everyday use.

Which vivo phone under Rs. 15,000 has the best battery?

The vivo Y05 has the largest battery in this selection at 6,500 mAh. It also offers a 120Hz display, making it suitable for streaming, social media and everyday entertainment.

Which vivo phone under Rs. 15,000 is best for 5G?

The vivo T4 Lite 5G is a strong 5G option, pairing the Dimensity 6300 processor with a 6,000 mAh battery, 90Hz display and IP64 protection for everyday use.

Which vivo phone under Rs. 15,000 is best for camera use?

The vivo T3 Lite 5G is a suitable choice for camera-focused buyers, featuring a 50MP Sony main camera and an 8MP front camera for everyday photos and selfies.

Which vivo phone under Rs. 15,000 is best for gaming?

The vivo T4 Lite 5G is better suited to casual gaming, with a Dimensity 6300 processor, up to 8GB RAM, 90Hz display and 6,000 mAh battery for longer sessions.

Can I buy a phone on EMI?

Yes, you can buy a phone with Bajaj Finance's Easy EMI options. Whether you already have the Insta EMI Card or are new to it, here is how you can get started: 

If you have the Bajaj Finance Insta EMI Card:

  • Explore phones on Bajaj Mall: Choose from a wide variety of top brands and popular models.
  • Visit a partner store: Check out the phone in person at any of 1.5 lakh partner stores across 4,000 cities.
  • Use your Insta EMI Card at checkout: Convert the total cost into Easy EMIs that fit your monthly budget.
  • Zero down payment on select models: Bring home your chosen product without paying anything upfront.

If you do not have an Insta EMI Card:

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

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