Top-Rated Smartwatches for Fitness, Calls, and Health Tracking

The best top-rated smartwatches in India span from budget models under Rs. 5,000 to premium options above Rs. 40,000. The right choice depends on your phone's OS, your health tracking needs and how much you want to spend.

• Best for iPhone users: Apple Watch Series 9 — starts at Rs. 41,900
• Best for Android users: Samsung Galaxy Watch 6 — starts at Rs. 28,000
• Best for serious fitness tracking: Garmin Forerunner series — starts at Rs. 19,990
• Best budget pick: Noise ColorFit Pro 4 — starts at Rs. 3,499
• All top-rated models offer heart rate monitoring, sleep tracking and smartphone notifications

You can convert the cost into Easy EMIs using Bajaj Finance's financing options at over 1.5 lakh partner stores such as Reliance Digital, Croma, Vijay Sales, and more — or check your eligibility in 2 minutes.

A top-rated smartwatch earns its place based on health sensor accuracy, battery life, OS compatibility and overall value. These are the features that consistently separate the best from the rest.

• Health sensors: Look for heart rate, SpO2 (blood oxygen), ECG and sleep tracking as minimum requirements. Advanced models from Garmin and Apple also include skin temperature sensors and VO2 Max tracking for fitness enthusiasts.
• Display quality: Top-rated watches use AMOLED displays for bright, vivid visuals in sunlight. Always-On Display (AOD) is a practical feature for reading the time at a glance without raising your wrist.
• Battery life: Entry-level budget watches last 7 to 10 days. Premium smartwatches like the Apple Watch Series 9 last 18 hours with AOD on, while Garmin fitness watches last up to 14 days in smartwatch mode.
• OS compatibility: Apple Watch works exclusively with iPhone. Samsung Galaxy Watch works best with Android. Garmin, Noise, Fire-Boltt and Amazfit work with both iOS and Android.
• Water resistance: Look for a minimum IP68 or 5ATM rating for safe use during swimming and heavy rain.

Whether you are seeking a fitness companion or simply desire a stylish watch with additional features, a smartwatch is a valuable piece of technology worth investing in. The exciting news is that nowadays, there is a wide range of options, including a solid selection of affordable smartwatches for those on a budget.

Different brands lead in different areas. Matching the brand to your specific use case is more important than simply picking the most expensive model. Here is how the leading brands compare across key buying criteria:

Prices are indicative and may vary by retailer and ongoing offers.

Trade-off to note: If you own an iPhone, the Apple Watch is significantly more capable than any third-party alternative due to deep iOS integration. If you own an Android phone, Samsung Galaxy Watch offers the most complete smartwatch experience. Garmin is the only brand worth choosing primarily for GPS sports tracking regardless of phone brand.

Your lifestyle should determine your pick, not just the brand name. Here is a use-case-based guide to finding the right top-rated smartwatch for your needs.

• For daily fitness and health tracking: Apple Watch Series 9 (41mm, Rs. 41,900) or Samsung Galaxy Watch 6 (40mm, Rs. 28,000). Both offer ECG, SpO2, sleep tracking and accurate step counting with the best ecosystems for everyday Indian users.
• For running and outdoor sports: Garmin Forerunner 165 (Rs. 19,990) with multi-satellite GPS, VO2 Max tracking and training load analysis. It runs up to 11 days in smartwatch mode and 19 hours in GPS mode, making it the strongest sports watch at this price.
• For business and formal occasions: Samsung Galaxy Watch 6 Classic (46mm, Rs. 34,999) with its rotating bezel and premium design works well in both boardrooms and boardwalks. The Apple Watch Series 9 in stainless steel is the other formal-worthy premium option.
• For first-time buyers on a budget: Noise ColorFit Pro 4 (Rs. 3,499) or Amazfit Bip 5 (Rs. 6,999) offer AMOLED displays, heart rate monitoring, sleep tracking and 7-plus days of battery without breaking the budget. Consider pairing with a smartwatch strap or charging cable to bring your invoice above Rs. 5,000 if planning to pay via Bajaj Finance's Easy EMI options.
• For children and teenagers: Fire-Boltt Ninja or Noise ColorFit Pulse 2 (both under Rs. 3,000) offer basic health tracking and notifications at a safe price point for younger users.

Before shortlisting a model, check these five factors side by side. Getting even one of these wrong can make the smartwatch feel like a poor fit within a few weeks of use.

• Check OS compatibility first: Apple Watch will not work with Android phones. Always confirm the watch is compatible with your specific phone's operating system before you look at anything else.
• Decide on a screen size: Smartwatch displays range from 1.2 inches to 1.9 inches diagonally. A larger screen is easier to read but adds weight. If you have a smaller wrist, check the case diameter — anything above 44mm can look oversized.
• Compare battery life honestly: A watch rated at 18 hours with AOD on will need daily charging. A watch rated at 10 days needs charging weekly. Decide how often you are willing to charge before you choose the spec on paper.
• Verify strap compatibility: Most smartwatch straps are proprietary. Apple Watch straps are widely available. Some Garmin and budget brand straps are harder to find in India. Check this before buying if you plan to use multiple straps.
• Check available apps: Premium brands like Apple, Samsung and Garmin have strong app ecosystems. Budget brands run proprietary software with no third-party app support. If you want Google Maps, Spotify or Strava on your wrist, stick to Apple Watch or Samsung Galaxy Watch.

Top-rated smartwatches are available across a wide price range in India. Here is a verified list of the most popular models across all budget segments to help you compare before visiting a store.

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.

Note: Although you can only use Bajaj Finance’s financing options to split any purchase above Rs. 5,000 into Easy EMIs, you can always club your product with other electronics and home appliances to meet the minimum amount and enjoy the same benefits.

Before you decide, explore the latest offers. You may find a great deal on a model that matches your needs.

EMI breakdown table

If you are considering buying the Samsung Galaxy Watch 6 (40mm) at Rs. 28,000 using Bajaj Finance's financing options, here is an example of what your monthly EMI would look like across available repayment plans:

Disclaimer: EMI amounts shown are illustrative examples based on assumed pricing, tenure, and financing terms. Actual EMI payable may vary depending on the product price, down payment, repayment tenure, applicable interest rates, processing fees, and the terms of the Bajaj Finance Insta EMI Card or Bajaj Finance Easy EMI Loan.

A longer tenure reduces your monthly payment but increases the total amount paid. A 6-month plan keeps the total cost close to the purchase price while making monthly outgo manageable for most budgets.

Bajaj Finance offers two ways to convert your smartwatch purchase into affordable monthly payments. Both options are available at over 1.5 lakh partner stores across 4,000 cities in India, including Reliance Digital, Croma and Vijay Sales.

How to choose? Both options require you to be physically present at a partner store. The Insta EMI Card is ideal for shoppers who buy across multiple categories over time. The Easy EMI Loan suits buyers looking to finance a single higher-value smartwatch purchase — such as an Apple Watch Series 9 or Samsung Galaxy Watch 6 Classic.

Example of what a smartwatch purchase on EMI looks

Arjun, a 31-year-old marketing professional in Pune, wants to upgrade from his basic fitness band to a full smartwatch. He chooses the Samsung Galaxy Watch 6 (40mm) at Rs. 28,000 for its ECG sensor, rotating bezel, and compatibility with his Android phone. Since this is a single purchase, he opts for a 12-month Bajaj Finance Easy EMI Loan at Croma, Pune. His monthly EMI works out to approximately Rs. 2,333. He needs a minimum CIBIL score of 650 to be eligible.

Upgrading to a top-rated smartwatch is simple with Bajaj Finance's in-store financing. The entire process usually takes just 10 to 15 minutes. Follow these steps:

1. Browse smartwatch models on Bajaj Mall: Explore the full range of top-rated smartwatches on Bajaj Mall. Compare brands, display sizes, health features and prices before heading to 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, Reliance Digital or other authorised retailers.
3. Check the smartwatch in person: Visit the store and try the watch on your wrist. Check screen size, display brightness, strap comfort and weight to confirm it feels right before committing.
4. Choose a suitable EMI option: At checkout, ask the store executive about the Bajaj Finance Insta EMI Card or Easy EMI Loan. Confirm tenure options and whether your chosen model comes with a zero down payment offer.
5. Complete payment and take your smartwatch home: Once approved, your purchase is processed immediately and you walk out with your new watch the same day.

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.

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.

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 Finance 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.

Calculate your extra savings today!