3 min
21st January 2026

Looking for the best phones under Rs. 20,000 in India? In 2025, this segment offers powerful smartphones with features once found only in premium models. These phones easily handle daily tasks, gaming, photography, and multitasking. Big batteries, including 7,000 mAh options, ensure all-day or even two-day usage without frequent charging. Fast charging support helps you get back to work or entertainment quickly. For gamers and heavy users, smooth displays and strong processors are key. High refresh rate screens, such as 120Hz and 144Hz, make scrolling, gaming, and video streaming feel fluid and responsive. Paired with efficient chipsets, these phones run multiple apps without lag.

Camera performance has also improved. Many models now feature 50MP or higher sensors, ultra-wide lenses, and night modes for clear photos in all lighting conditions. Durability is another plus. IP-rated water resistance, tough glass, and stylish designs make these phones reliable for everyday use. Overall, phones under Rs. 20,000 now deliver excellent value with premium-like features. If you are planning to buy a new phone, you can easily explore your options in-store at over 1.5 lakh+ Bajaj Finserv partner stores across 4,000+ cities. Check your loan eligibility and enjoy Easy EMI options with flexible financing. You may also benefit from zero down payment on select models.

Latest mobile phones under Rs. 20,000 - Key features and specifications

Smartphones under Rs. 20,000 in India have become some of the most popular choices because they offer strong features at an affordable price. In this range, users can find phones with fast processors that make multitasking smooth, whether it is switching between apps, playing games, or attending online classes. Most of these devices come with 6GB or 8GB RAM and large storage options, giving enough space for photos, videos, and apps without slowing down.

A big attraction in this price segment is the display quality. Many phones feature large Full HD+ screens with high refresh rates, making them suitable for streaming films, browsing, or gaming. Bright and clear visuals add to the overall experience, while slim and stylish designs make these phones easy to carry and appealing to look at.

Cameras in phones under Rs. 20,000 are also quite advanced. Many models come with multiple lenses, including wide-angle and macro sensors, allowing users to take detailed photos and good-quality videos. This makes them suitable for students, social media users, and anyone who enjoys photography.

Battery life is another strong point. Most phones in this range come with 5000 mAh batteries or more, ensuring they last through a full day of use. Fast charging support is also common, which helps users recharge quickly and continue with work or entertainment without long waits.

Brands like realme, Xiaomi, Samsung, and vivo offer some of the best models in this category, giving consumers reliable performance, good design, and long-term value. For those who want a balanced smartphone for work, study, or entertainment, phones under Rs. 20,000 are a smart and budget-friendly option.

Best phones under Rs. 20,000 in India

1. motorola G67 Power

Ideal for long hours of entertainment and productivity, the G67 Power’s massive 7,000 mAh battery ensures uninterrupted use, while the 120Hz display delivers smooth visuals for gaming or streaming. With its powerful Snapdragon processor and expandable RAM Boost, it is perfect for multitasking, social media, and photography enthusiasts who want vibrant, fluid performance on the go.

Specification

Details

Display

6.7-inch FHD+ 120Hz

Chipset

Snapdragon Octa-Core 4nm

RAM/Storage

8GB (up to 24GB RAM Boost)/128GB

Cameras (Rear)

50MP + 8MP

Front camera

32MP

Battery/Charging

7,000 mAh, 30 W TurboPower

Price

Rs. 15,300


2. realme P4

Designed for users seeking efficiency and performance in a sleek slider design, the realme P4 is great for multitasking, mobile gaming, and content consumption. Its Dimensity 7400 Ultra chipset ensures smooth operation, while IP65 water and dust resistance makes it dependable in daily life and outdoor adventures.

Specification

Details

Display

1080 x 2392

Chipset

G3 2.6 GHz

RAM/Storage

6GB

Cameras (Rear)

50MP + 8MP

Front camera

16MP

Battery/Charging

7,000 mAh

Price

Rs. 18,999


3. OPPO K13 5G

The K13 5G balances high-speed performance with endurance. Its Snapdragon 6 Gen 4 processor and 8GB RAM allow fluid gaming and app switching, while the 7,000 mAh battery and 80W SuperVOOC charging reduce downtime. Its dual rear cameras make it suitable for everyday photography, video calls, and social media sharing.

Specification

Details

Display

6.67-inch FHD+

Chipset

Snapdragon 6 Gen 4

RAM/Storage

8GB/128GB

Cameras (Rear)

50MP + 2MP

Front camera

16MP

Battery/Charging

7,000 mAh, 80 W SuperVOOC

Price

Rs. 18,125


4. Samsung Galaxy A35 5G

The Galaxy A35 5G is perfect for AMOLED enthusiasts who want sharp visuals and smooth scrolling. Its triple-camera system excels in day and night photography, while Samsung’s long-term software support ensures reliability. Ideal for everyday productivity, social media, and casual gaming.

Specification

Details

Display

6.6-inch Super AMOLED 120Hz

Chipset

Exynos 1380

RAM/Storage

8GB

Cameras (Rear)

50MP + 8MP + 5MP

Front camera

13MP

Battery/Charging

5,000 mAh, 25 W

Price

Rs. 19,779


5. CMF Phone 2 Pro

For power users and mobile gamers, the CMF Phone 2 Pro delivers up to 16GB RAM and an advanced 4nm processor for ultra-smooth gaming and multitasking. Its bright AMOLED screen and adaptive refresh rate make content consumption immersive, while its triple-camera setup ensures professional-quality photos wherever you go.

Specification

Details

Display

6.77-inch FHD+ 120Hz AMOLED

Chipset

Dimensity 7300 Pro 2.5GHz

RAM/Storage

Up to 16GB/2TB expandable

Cameras (Rear)

50MP + 50MP telephoto + 119° ultra-wide

Front camera

16MP

Battery/Charging

5,000 mAh, 33 W Fast Charge

Price

Rs. 18,084


6. motorola G96 5G

Built for premium entertainment, the G96 5G’s 144Hz curved pOLED display ensures vibrant visuals for gaming and streaming. Its Snapdragon 7s Gen 2 processor and stereo Dolby Atmos speakers make it perfect for multimedia enthusiasts. IP68 protection adds durability for worry-free daily use.

Specification

Details

Display

6.6-inch FHD+ 144Hz 3D pOLED

Chipset

Snapdragon 7s Gen 2

RAM/Storage

8GB RAM, 128GB storage

Cameras (Rear)

50MP + 8MP

Front camera

32MP

Battery/Charging

5,000 mAh

Price

Rs. 17,897


7. realme 15X 5G

The realme 15X 5G is a battery powerhouse with a 7,000 mAh Titan Battery and 60 W fast charging, perfect for long commutes or heavy usage. With IP69 rating and outdoor-friendly brightness, it is ideal for adventurers, gamers, and professionals who need a resilient, always-on smartphone.

Specification

Details

Display

1200 nits Ultra Bright

Chipset

Octa-core

RAM/Storage

8GB/128GB

Cameras (Rear)

50MP

Front camera

50MP

Battery/Charging

7,000 mAh, 60 W SuperVOOC

Price

Rs. 17,490


8. Nothing Phone (3a Lite)

A sleek, minimalist phone designed for everyday multitasking and social media, the Nothing Phone (3a Lite) delivers smooth 120Hz visuals and dependable performance. Its high-quality camera with OIS ensures sharp photos and videos, while Nothing OS provides a clean, customizable Android experience.

Specification

Details

Display

6.77-inch FHD+ 120Hz AMOLED

Chipset

Dimensity 7300 Pro 2.5GHz

RAM/Storage

8GB/128GB

Cameras (Rear)

50MP OIS

Front camera

16MP

Battery/Charging

5,000 mAh, 33 W Fast Charge

Price

Rs. 19,699


9. motorola Edge 50 Fusion 5G

Perfect for multimedia enthusiasts, the Edge 50 Fusion combines a curved 144Hz display, premium vegan leather design, and powerful Snapdragon 7s Gen 2 performance. Its high-speed RAM and 68 W TurboPower charging make it ideal for gaming, streaming, and photography, while IP68 protection ensures durability.

Specification

Details

Display

144Hz 3D Curved Display

Chipset

Snapdragon 7s Gen 2

RAM/Storage

Up to 12GB

Cameras (Rear)

50MP + 13MP + 32MP front

Front camera

32MP

Battery/Charging

5,000 mAh, 68 W TurboPower

Price

Rs. 18,449


10. Samsung Galaxy M36 5G

Designed for long-lasting performance, the Galaxy M36 5G delivers a large Super AMOLED screen and AI-powered photography tools. With a 5,000 mAh battery, fast charging, and durable Gorilla Glass Victus+ front, it’s ideal for content creators, students, and professionals who need reliability for extended use.

Specification

Details

Display

6.7-inch Super AMOLED

Chipset

4nm Octa-Core

RAM/Storage

6GB RAM, 128GB storage

Cameras (Rear)

50MP + 8MP + 2MP

Front camera

13MP

Battery/Charging

5,000 mAh, fast charging

Price

Rs. 18,499


Best smartphones under Rs. 20,000 - Price list in India

Finding a phone under Rs. 20,000 has never been easier. These smartphones offer great value, balancing performance, cameras, and battery life without breaking the bank. Whether you want a long-lasting battery, high-refresh display, or versatile cameras, these devices give premium features at budget-friendly prices.

SKU

Price

Motorola G67 Power

Rs. 15,300

realme P4

Rs. 18,999

OPPO K13 5G

Rs. 18,125

Samsung Galaxy A35 5G

Rs. 19,779

CMF Phone 2 Pro

Rs. 18,084

Motorola G96 5G

Rs. 17,897

realme 15X 5G

Rs. 17,490

Nothing Phone (3a Lite)

Rs. 19,699

Motorola Edge 50 Fusion 5G

Rs. 18,449

Samsung Galaxy M36 5G

Rs. 18,499


You can also explore the latest offers on smartphones from Bajaj Finserv to get value-packed deals and Easy EMIs. You can also turn good deals into great ones. Bring down the cost of electronics and appliances by combining brand discounts, dealer offers, and EMI deals—all in one place. Calculate your extra savings now! 

Shop smart with Easy EMIs

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.

  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.

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5G mobiles by budget

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Mobile by features

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Pro tip

Explore with rewards, cashbacks, coupons, and deals from Bajaj Finserv.

Frequently asked questions

Which brand is the best for mobile phones under Rs. 20,000?

Brands like motorola, realme, Samsung, OPPO, and Nothing offer excellent options under Rs. 20,000. They provide reliable performance, long battery life, smooth displays, and good cameras, making them ideal for gaming, photography, and daily use.

Which mobile phone is the best under Rs. 20,000 in 2025?

The CMF Phone 2 Pro stands out with up to 16GB RAM, a bright 120Hz AMOLED display, powerful gaming performance, and versatile cameras. It delivers smooth multitasking, pro-level photography, and long-lasting battery life, making it a top choice under Rs. 20,000.

Which mobile phone under Rs. 20,000 has the best night camera?

Phones like the CMF Phone 2 Pro, Samsung Galaxy A35 5G, and OPPO K13 5G excel in low-light photography. Their advanced multi-lens systems and AI night modes capture detailed, bright, and clear images even in dim conditions.

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

Yes. Most phones under Rs. 20,000 now support 5G connectivity, including models from motorola, realme, Samsung, OPPO, and Nothing, allowing fast downloads, lag-free gaming, and smooth video streaming.

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

The CMF Phone 2 Pro offers the best camera setup under Rs. 20,000, with triple 50MP lenses, ultra-wide and telephoto options, and high-resolution front camera for sharp selfies and versatile photography.

Are gaming phones available under Rs. 20,000?

Yes. Phones like the CMF Phone 2 Pro, motorola G96 5G, and Edge 50 Fusion have high-refresh displays, powerful processors, and extended RAM, making them perfect for smooth gaming and heavy multitasking.

Do budget phones under Rs. 20,000 support fast charging?

Yes. Many models, including realme 15X 5G, OPPO K13 5G, and motorola Edge 50 Fusion, offer fast charging ranging from 30 W to 80 W, reducing downtime and keeping you powered up quickly.

Which phone under Rs. 20,000 has the best display quality?

Phones like motorola G96 5G, CMF Phone 2 Pro, and Edge 50 Fusion offer high-refresh 120–144Hz AMOLED or pOLED displays, delivering crisp, bright visuals for gaming, videos, and daily use.

Are there waterproof or splash-resistant phones under Rs. 20,000?

Yes. Models such as motorola G96 5G (IP68), realme 15X 5G (IP69), and realme P4 (IP65) provide splash, dust, and water resistance, making them durable for outdoor and everyday use.

Can I buy phones under Rs. 20,000 on EMI from Bajaj Finserv?

Yes, you can purchase 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 5G phone is trending under Rs. 20,000?

The CMF Phone 2 Pro and motorola G96 5G are trending, thanks to their powerful performance, smooth high-refresh displays, long battery life, and versatile cameras, making them highly popular in 2025.

Which brand 5G mobile is best?

Brands like motorola, realme, Samsung, OPPO, and Nothing lead in the 5G segment under Rs. 20,000, offering strong performance, reliable connectivity, fast charging, and durable designs suitable for gaming, photography, and daily use.

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