Published May 9, 2026 · 4 Min Read

The 2026 smartphone market delivers a significant step forward in AI features, camera systems, battery capacity, and processing power — with models from Samsung, Apple, OnePlus, Vivo, Xiaomi, and Realme pushing the boundaries of what a handheld device can do. From budget 5G phones under Rs. 15,000 to flagship powerhouses above Rs. 1,00,000, the current smartphone landscape offers genuine options for every buyer. 
 

Purchase your preferred model on Easy EMIs using the Bajaj Finserv Insta EMI Card — split the cost across 3 to 60 months with zero down payment on select models.

Overview of the latest smartphones

The latest smartphones in 2026 cover a remarkably wide feature range — budget 5G devices with 7,000 mAh batteries and IP ratings sit alongside ultra-premium flagships with AI-powered cameras, satellite connectivity, and titanium builds. Latest Snapdragon and Apple chipsets define the current performance landscape. AI features now extend beyond the camera — covering real-time transcription, on-device translation, photo editing, and personalised assistant interactions across Android and iOS. Battery capacities have grown significantly in 2026, with several mid-range models offering 9,000 mAh and above for multi-day usage.

Key features and specifications of smartphones in 2026

The 2026 smartphone generation sets new benchmarks across display, battery, camera, and AI — with meaningful upgrades visible across every price segment. Here is what defines the latest models.

  • AI-powered cameras with on-device processing: The latest smartphones use dedicated AI chips or neural engines to process photo and video in real time — delivering computational photography improvements including night mode, AI eraser, portrait enhancement, and 4K video stabilisation without any cloud processing required.
  • 5G as standard across all price segments: 5G connectivity is now available from under Rs. 10,000 in India — with sub-6 GHz 5G support standard across budget, mid-range, and flagship models from all major brands.
  • Massive battery capacities of 5,000 to 9,000 mAh: The 2026 mid-range segment has pushed battery capacity significantly — models like the OnePlus Nord 6 carry 9,000 mAh, Vivo T5 Pro carries 9,020 mAh, and Realme 16 carries 7,000 mAh — delivering 2 to 3 days of moderate use between charges.
  • 120 Hz to 165 Hz AMOLED displays: High refresh rate AMOLED displays are now standard from the mid-range segment upwards — delivering noticeably smoother scrolling, animations, and gaming frame rates compared to 60 Hz panels that dominated previous budget segments.
  • IP68/IP69K water and dust resistance: Durability certification has extended significantly down the price ladder in 2026 — with mid-range models like the OnePlus Nord CE6 carrying IP68/IP69K and MIL-STD-810H ratings previously reserved for flagship devices only.
     
SpecificationRange across 2026 smartphones
ChipsetSnapdragon 4s Gen 2 – Snapdragon 8 Elite / Apple A18 Pro
Display6.1-inch – 6.9-inch AMOLED / OLED
Refresh rate60 Hz – 165 Hz
RAM4GB – 16GB
Storage64GB – 1TB
Main camera50MP – 200MP
Battery4,500 mAh – 10,000 mAh
Fast charging33 W – 120 W
Connectivity5G, Wi-Fi 6/6E, Bluetooth 5.2–5.4
OSAndroid 16 / iOS 18
Water resistanceIP67 – IP69K (model-dependent)
Price rangeRs. 7,999 – Rs. 1,89,900

Price list of the top-selling smartphones on EMIs (2026)

The table below covers confirmed top-selling smartphones available in India across budget, mid-range, and premium segments.
 

Model nameKey featuresWhy should you get thisPrice
Realme 16 5G7,000 mAh, 60W fast charge, 6.57-inch display, 5G, IP69, Android 16, Realme UI 7.0Best battery life in the budget 5G segment — 7,000 mAh with IP69 rating at an accessible priceRs. 15,999 onwards
Samsung Galaxy A16 5GAMOLED, 5G, Samsung ecosystem, strong after-sales network, Android 15Best Samsung mid-range for everyday buyers — reliable 5G performance with Samsung's service networkRs. 17,999 onwards
OnePlus Nord CE68,000 mAh, 80W SUPERVOOC, 6.78-inch 144Hz AMOLED, Snapdragon 7s Gen 4, IP68/IP69K, MIL-STD-810HBest mid-range durability and battery combination — IP68/IP69K and military-grade certification at Rs. 29,999Rs. 29,999 onwards
OnePlus Nord 69,000 mAh, 165Hz AMOLED, Snapdragon 8s Elite, 5G, fast chargingBest upper mid-range battery flagship — 9,000 mAh with a flagship-grade Snapdragon 8s Elite chipsetRs. 39,999 onwards
Samsung Galaxy S26 UltraSnapdragon 8 Elite, 200MP camera, S Pen, AI features, titanium build, 5GBest Android flagship at the moment — 200MP camera, S Pen, and Snapdragon 8 Elite for creators and power usersRs. 1,34,999 onwards

Disclaimer: Product features, availability, and prices may differ based on location and time. For the latest and most accurate details, visit a partner store. 

Why should you choose the latest smartphone

The latest 2026 smartphones deliver genuine functional improvements over previous generation models — with AI features, battery life, and durability upgrades that make upgrading worthwhile. Here is what sets them apart.

  • On-device AI changes daily tasks meaningfully: The latest smartphones run AI features locally — real-time call transcription, smart photo editing, live translation, and predictive text that learns your patterns — without sending data to the cloud for processing.
  • Longer battery life reduces daily charging dependency: 7,000 to 9,000 mAh batteries in 2026 mid-range phones deliver genuine 2 to 3 day usage between charges — eliminating the anxiety of finding a charger during a long day away from home or during travel.
  • IP ratings on mid-range phones provide real-world protection: Water and dust resistance at IP68 and IP69K is now available below Rs. 30,000 — providing meaningful protection against rain, spills, and accidental drops into water that most 2024 mid-range phones could not offer.
  • 165 Hz displays make everyday scrolling and gaming noticeably smoother: The step from 60 Hz to 120 Hz or 165 Hz is visible immediately in daily use — apps open with smoother animations, social media scrolls without judder, and gaming at high frame rates becomes genuinely comfortable.
  • Android 16 and iOS 18 bring multi-year software support commitments: The latest smartphones ship with Android 16 or iOS 18 and carry multi-year update commitments — meaning your device stays current with security patches and new features for 4 to 7 years after purchase.

What is a Bajaj Finserv Insta EMI Card?

The Bajaj Finserv Insta EMI Card offers a pre-approved card loan offer of up to Rs. 3 lakh — letting you buy the latest smartphone today and pay in Easy EMIs rather than a lump sum. The card is accepted across over 1.5 lakh partner stores in more than 4,000 cities, with flexible repayment tenures across 3 to 60 months and zero down payment on select products.
 

Check your Insta EMI Card eligibility online using your mobile number and OTP. If eligible, apply instantly and start shopping for your preferred 2026 smartphone on Easy EMIs easily and affordably.

How to buy the latest smartphone on EMIs using the Insta EMI Card

Buying the latest smartphone on EMIs using the Bajaj Finserv Insta EMI Card is quick and straightforward at any authorised partner store or online. Here are the steps.

  • Check your Insta EMI Card eligibility online: Visit the Bajaj Finserv website or app, enter your mobile number and OTP, and receive your pre-approved card loan offer in minutes — no paperwork or branch visit required.
  • Activate your card after approval: Complete the digital activation process — your Insta EMI Card is ready to use at any Bajaj Finserv partner store or participating online platform immediately after activation.
  • Browse and select your preferred smartphone: Choose your model, storage configuration, and colour — confirm EMI payment eligibility for the specific model before proceeding to billing or online checkout.
  • Pay via the Insta EMI Card and select your tenure: Choose the EMI payment option, enter your card details, and select your preferred tenure from the flexible repayment tenure options across 3 to 60 months.
  • Collect your smartphone: Once the EMI confirms, collect your device with its box and warranty — Easy EMI repayment begins the following month per your selected tenure.

Benefits of using the Insta EMI Card

FeatureDetails
Easy EMIsSplit the cost of your purchase into affordable monthly instalments with minimal interest, making it budget-friendly.
High pre-qualified limitGet up to Rs. 3 lakh card loan offer amount to buy multiple products without upfront stress.
Wide acceptance networkAccepted at over 1.5 lakh partner stores across 4,000 cities and major e-commerce platforms.
Flexible repayment tenureChoose a repayment period from 3 to 60 months based on your financial comfort.
Zero down payment offersAvail special festive deals with no upfront payment requirement.
No foreclosure chargesClose your loan early without any penalties or extra fees.
Credit score benefitTimely EMI payments may help strengthen your credit profile and financial health.


Also read: Features and benefits of the Bajaj Finserv Insta EMI Card

Eligibility criteria for the Insta EMI Card

  • Nationality: Indian Citizen.
  • Age: 21 years to 65 years.
  • Credit score: A healthy credit score per Bajaj Finserv policies.
  • Income: A steady, regular source of income.
  • Documents: PAN Card, Aadhaar Card, and a cancelled cheque for e-mandate.


Also read: Eligibility criteria for the Insta EMI Card

How to apply for an Insta EMI Card

  • Verify mobile number: Enter your 10-digit mobile number and verify the OTP sent to your phone to initiate the process.
  • Auto-fetch details: Provide your full name and select the option to auto-fetch your details for a faster application experience.
  • Confirm information: Verify your pre-filled personal details carefully and click on the continue button to move to the next stage.
  • Check offer: Review your pre-qualified card loan offer amount and select continue to proceed with the specified limit.
  • Set up wallet: Review your wallet setup details and verify the security OTP to integrate the card with your account.
  • Verify identity: Complete your identity verification process by confirming your current residential address as per the required official records.
  • Pay fee: Make the mandatory one-time joining fee payment of Rs. 530 through the secure digital payment gateway provided.
  • View card: Access and view your new digital card details instantly on the Bajaj Finserv application after the successful payment.
     

Also read: How to apply for the Insta EMI Card
 

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Frequently asked questions

Which latest smartphones are available on EMIs?

The latest smartphones available on Easy EMIs through the Bajaj Finserv Insta EMI Card include models from Samsung, Apple, OnePlus, Vivo, Realme, and Xiaomi — spanning the Realme 16 5G at Rs. 15,999 to the Samsung Galaxy S26 Ultra at Rs. 1,34,999. Smartphones priced above Rs. 5,000 are eligible for Easy EMIs at Bajaj Finserv partner stores — covering virtually every current model available in the Indian market across all major brands and price segments.

Can I buy a 2026 phone under Rs. 20,000 on EMIs?

Yes — several strong smartphones under Rs. 20,000 are available on Easy EMIs through the Bajaj Finserv Insta EMI Card. The Realme 16 5G at Rs. 15,999 with a 7,000 mAh battery and IP69 rating and the Samsung Galaxy A16 5G at Rs. 17,999 with Samsung's service network are the strongest options currently available. Check your Insta EMI Card eligibility before getting started — the process takes only a few minutes using your mobile number and OTP.

Which Samsung phone is best on EMIs in 2026?

The Samsung Galaxy A16 5G at Rs. 17,999 is the best Samsung phone for most buyers on Easy EMIs — reliable 5G, Samsung ecosystem integration, and strong after-sales support at an accessible price. For power users, the Samsung Galaxy S26 Ultra at Rs. 1,34,999 delivers the most advanced Android flagship experience with a 200MP camera, S Pen, and Snapdragon 8 Elite. Checking your Insta EMI Card eligibility lets you access Easy EMIs on either model immediately.

What features should you look for before buying the latest smartphone?

Prioritise the chipset for performance longevity — a Snapdragon 7s Gen 4 or above handles 4 to 5 years of daily use comfortably. Check battery capacity — 6,000 mAh or above suits heavy users. Confirm the camera setup matches your photography needs. Verify the Android or iOS update commitment — 4 to 7 years of software support ensures your device stays current. Check water resistance rating, RAM, and storage before finalising any 2026 smartphone purchase across any price segment.

Can I get a smartphone on EMIs without using a credit card?

Yes — the Insta EMI Card offers a pre-approved card loan offer that operates independently of any bank credit card — no existing credit card is required to apply or use it at the point of purchase. Simply check your Insta EMI Card eligibility online using your mobile number and OTP, activate your card after approval, and use it immediately at any Bajaj Finserv partner store to purchase your preferred 2026 smartphone on Easy EMIs.

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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.

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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