Published Sep 17, 2025 .4 min read

Explore OIS camera mobile phones under Rs. 20,000

If you want to take clear and steady photos without spending too much, OIS camera mobile phones under Rs. 20,000 are a great choice. These phones help reduce blur in photos and videos, especially when your hands shake or when you shoot in low light. You get better quality pictures and smoother videos, making everyday moments look sharp and professional without going over budget.

Now you can buy smartphones with a pre-approved loan from Bajaj Finserv and break its cost into Easy EMIs. Check your loan eligibility today and keep shopping. Learn more about the best camera 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 OIS camera mobile phones under Rs. 20,000 in India

If you are looking for mobile phones that offer excellent camera quality without spending too much, then OIS camera mobile phones under Rs. 20,000 are a great choice. These phones come with optical image stabilization, which helps reduce blur in photos and keeps videos steady even when your hands shake. Most of these models also include large AMOLED or P-OLED displays, powerful processors, and long-lasting batteries. They are suitable for people who enjoy photography, gaming, and watching videos on their phones. Some models even offer fast charging and high RAM for smooth multitasking. Here is a list of 10 OIS camera mobile phones under Rs. 20,000 in India:


1. vivo T4R 5G


With a vibrant 120Hz AMOLED display and a rugged IP68+IP69 build, the vivo T4R 5G offers a premium feel and reliable camera performance with OIS. It’s best suited for users who want durability, multimedia excellence, and solid daylight photography.


FeatureDetails
RAM8GB
Storage128GB
Front camera32MP
Rear camera50MP + 2MP
Display6.77-inch AMOLED, 120Hz
Battery5700 mAh
ProcessorMediaTek Dimensity 7400
Operating SystemAndroid v15
PriceRs. 19,499

2. moto G96 5G


The moto G96 5G stands out with its 144Hz P-OLED display and a dual rear camera setup with OIS for sharp photography. It’s ideal for gamers and content consumers who also want reliable camera performance.


FeatureDetails
RAM8GB
Storage128GB
Front camera32MP
Rear camera50MP + 8MP
Display6.67-inch P-OLED, 144Hz
Battery5500 mAh
ProcessorSnapdragon 7s Gen 2
Operating SystemAndroid v15
PriceRs. 17,753

3. Samsung Galaxy A17 5G


Featuring a Super AMOLED display and triple rear cameras with OIS, the Galaxy A17 5G delivers a balanced experience for photography and entertainment. It’s best for users who prefer Samsung’s ecosystem and a clean UI.


FeatureDetails
RAM6GB
Storage128GB
Front camera13MP
Rear camera50MP + 5MP + 2MP
Display6.7-inch Super AMOLED
Battery5000 mAh
ProcessorSamsung Exynos 1330
Operating SystemAndroid v15
PriceRs. 18,999

4. moto G86 Power 5G


With a massive battery and a P-OLED display, the moto G86 Power 5G combines endurance with visual appeal and OIS-enabled camera clarity. It’s perfect for power users and mobile photographers.


FeatureDetails
RAM8GB
Storage128GB
Front camera32MP
Rear camera50MP + 8MP
Display6.7-inch P-OLED, 120Hz
Battery6720 mAh
ProcessorMediaTek Dimensity 7400
Operating SystemAndroid v15
PriceRs. 18,545

5. iQOO Z10R 5G


The iQOO Z10R 5G offers a sleek design, AMOLED display, and OIS camera setup for stable shots and smooth video. It’s ideal for young creators and social media enthusiasts.


FeatureDetails
RAM8GB
Storage128GB
Front camera32MP
Rear camera50MP + 2MP
Display6.77-inch AMOLED, 120Hz
Battery5700 mAh
ProcessorMediaTek Dimensity 7400
Operating SystemAndroid v15
PriceRs. 19,499

6. moto G85 5G


With a curved P-OLED display and OIS-enabled camera, the moto G85 5G delivers style and substance in one package. It’s best suited for users who want a clean software experience and vibrant visuals.


FeatureDetails
RAM8GB
Storage128GB
Front camera32MP
Rear camera50MP + 8MP
Display6.67-inch P-OLED, 120Hz
Battery5000 mAh
ProcessorSnapdragon 6s Gen 3
Operating SystemAndroid v14
PriceRs. 16,090

7. OnePlus Nord CE 4 5G


The Nord CE 4 5G features a 120Hz AMOLED display and OIS camera setup, backed by 100W fast charging for quick top-ups. It’s ideal for users who want a premium feel and fast performance under budget.


FeatureDetails
RAM8GB
Storage128GB
Front camera16MP
Rear camera50MP + 8MP
Display6.7-inch AMOLED, 120Hz
Battery5500 mAh
ProcessorSnapdragon 7 Gen 3
Operating SystemAndroid v14
PriceRs. 19,998

8. motorola Edge 50 Fusion


With a 144Hz P-OLED display and dual rear cameras with OIS, the Edge 50 Fusion offers smooth visuals and sharp photography. It’s best for users who want a stylish phone with fast charging and clean UI.


FeatureDetails
RAM8GB
Storage128GB
Front camera32MP
Rear camera50MP + 13MP
Display6.67-inch P-OLED, 144Hz
Battery5000 mAh
ProcessorSnapdragon 7s Gen 2
Operating SystemAndroid v14
PriceRs. 18,079

9. Samsung Galaxy M36 5G


The Galaxy M36 5G features a Super AMOLED display and triple rear cameras with OIS, offering a well-rounded experience. It’s ideal for users who want Samsung’s reliability and vibrant visuals.


FeatureDetails
RAM6GB
Storage128GB
Front camera13MP
Rear camera50MP + 8MP + 2MP
Display6.7-inch Super AMOLED, 120Hz
Battery5000 mAh
ProcessorSamsung Exynos 1380
Operating SystemAndroid v15
PriceRs. 17,499

10. Redmi Note 14 SE 5G


With a triple rear camera setup including OIS and a bright AMOLED display, the Redmi Note 14 SE 5G is a solid all-rounder. It’s best for users who want a budget-friendly phone with flagship-grade camera features.


FeatureDetails
RAM6GB
Storage128GB
Front camera20MP
Rear camera50MP + 8MP + 2MP
Display6.67-inch AMOLED, 120Hz
Battery5110 mAh
ProcessorMediaTek Dimensity 7025 Ultra
Operating SystemAndroid v14
PriceRs. 14,999

OIS camera mobile phones under Rs. 20,000 - Price list in India (2025)

The above-mentioned OIS camera mobile phones under Rs. 20,000 offer excellent value for users who want stable photography, vibrant displays, and strong performance. With features like AMOLED screens, high-resolution cameras, and long battery life, these models are ideal for students, content creators, and everyday users who want premium features at an affordable price. Listed below are their prices.
 

Model Name*Price (Rs.)
vivo T4R 5GRs. 19,499
moto G96 5GRs. 17,753
Samsung Galaxy A17 5GRs. 18,999
moto G86 Power 5GRs. 18,545
iQOO Z10R 5G Rs. 19,499
moto G85 5GRs. 16,090
OnePlus Nord CE 4 5GRs. 19,998
motorola Edge 50 Fusion Rs. 18,079
Samsung Galaxy M36 5G Rs. 17,499
Redmi Note 14 SE 5GRs. 14,999


*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.

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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.


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Frequently asked questions

Can I buy a OIS camera mobile phones under 20000 on EMIs?

Yes, you can purchase OIS camera mobile phones under Rs. 20,000 on Easy EMIs from Bajaj Finserv. If you are an existing user of the Bajaj Finserv Insta EMI Card:


1. Explore the range of smartphones on Bajaj Mall

2. Choose the preferred model and visit a Bajaj Finserv partner store to check it out in person

3. Use your Bajaj Finserv Insta EMI Card and avail of Easy EMIs for affordable monthly payments
 

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.

Which are the best OIS camera mobile phones under Rs. 20,000 in India?

Some of the best OIS camera mobile phones under Rs. 20,000 include vivo T4R 5G, Moto G96 5G, Samsung Galaxy A17 5G, and iQOO Z10R 5G. These phones offer stable photography, vibrant displays, and strong performance, making them ideal for users who want premium features at an affordable price.

Is OIS better than EIS in budget smartphones under Rs. 20,000?

OIS is better than EIS in budget smartphones under Rs. 20,000 because it physically stabilizes the camera lens, resulting in clearer photos and smoother videos. EIS only adjusts the image digitally, which may not be as effective in low light or while recording fast movements.

Can I get a 5G smartphone with OIS camera under Rs. 20,000?

Yes, you can get a 5G smartphone with an OIS camera under Rs. 20,000. Models like Moto G96 5G, vivo T4R 5G, and iQOO Z10R 5G offer both 5G connectivity and optical image stabilization, making them suitable for fast internet use and stable photography.

Which brand offers the best OIS camera quality under Rs. 20,000?

motorola and vivo are among the top brands offering the best OIS camera quality under Rs. 20,000. Their phones combine high-resolution sensors with optical stabilization, delivering sharp images and smooth videos even in challenging conditions.

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