Best Phones under 20000

Looking for the best mobile under 20000 in India? Explore the latest smartphones from various brands and buy them on EMI without credit card using ZestMoney credit limit.

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Today, there are so many smartphone options available in the market. You have smartphones ranging from as low as Rs 1000 all the way up to 1 Lakh. But you don’t need to spend a lot of money to get a phone with high-end features. If you are looking for the best phones under 20000 in India, you’ll be surprised to see how many wonderful options you have to choose from! All top brands such as Samsung, Mi, Vivo, Motorola, Oppo, and others offer excellent best mobile under 20000.

Many of these top brands offer no-cost EMI options on their phones across several e-commerce sites, making it even easier for you to buy a budget smartphone. Here is a comprehensive list of the best phones under 20000 in India to help you choose wisely and purchase a dream smartphone of your choice.

1. Redmi Note 10 Pro Max

Experience pro performance in the latest phone of the Xiaomi Redmi Note 10 series. Known for its exceptional processing speed, 108MP Quad Camera Setup and 6.67” Super AMOLED Display the Redmi Note 10 Pro Max is everything you can possibly get in a premium phone but for a budget. With features that are sure to turn heads, this is one of the best Redmi phones under 20000 that offer a seamless user experience. Here are more reasons why this best smartphone under 20000 in India dazzle you:

Price: Rs. 18,999*

No Cost EMI: Rs. 1,874* over 12 months
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Release Date: March 2021

Pros:

  • Long-lasting battery 
  • Great display
  • Exceptional Performance
  • Impressive camera resolution making it one of the best camera smartphone under 20000

Cons:

  • None as of yet

“What customers are saying..” 

Whopping 108MP Quad  is highly commendable! Smoothest performance I have ever seen in a phone.

Redmi Note 10 Pro Max Specifications

Display 6.67 inch Super Amoled Display
Processor Qualcomm 732G snapdragon 
Camera 108MP + 8MP+ 5MP + 2MP (16MP Selfie Camera)
RAM 6GB & 8GB LPDDR4x
OS MIUI 12 based on Android 11
Storage 128GB with UFS 2.2 Flash Storage
Battery 5020 mAH

Customer Rating: 4.4/5

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2. Oppo F19 Pro

The Oppo F19 Pro launched in March 2021 and is one of the latest premium phones of Oppo. Featuring a quad camera setup and a lightning fast processor, it ranks high on performance and camera quality. The phone is powered by an octa-core MediaTek Helio P95 processor and comes with 8GB of RAM. The 6.4” super AMOLED display provides stunning visuals at a 409 PPI density and 60Hz refresh rate. Although just slightly above the 20k mark, users have previously mentioned its well worth every buck.

Here’s what makes the Oppo F19 Pro so unique, and why it is one of the best phones to buy in 2021: 

Price: Rs. 21,490 on Amazon

No Cost EMI: Rs. 2,117/mo over 12 months
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Release Date: March 2021

Pros:

  • Stylish design and good build
  • Good camera performance
  • Exquisite displays

Cons:

  • Average battery life

“What customers are saying..” 

Better than the F19. Slim, lightweight, fast and large crystal clear display. However, if you are interested in the camera then this phone is not for you.

Oppo F19 Pro Specifications

Display 6.43-inch SUPER AMOLED display 
Processor MediaTek Helio P95
Camera 48MP + 8MP + 2MP + 2MP (16MP front camera)
RAM 8GB RAM 
OS Android 10 
Storage 128GB (expandable upto 512GB)
Battery 4310mAh 

Customer Rating: 4 stars on Amazon

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3. Realme Narzo 30 Pro

You can be sure to get more than what you paid for with the Realme Narzo 30 Pro. It is one of the latest and the best mi phones under 20000 for its seamless gaming experience. It features a faster and a brighter full HD display providing every user with immersive visuals and a powerful processor combined with a large battery life ensuring you don’t miss a moment. Realme Narzo 30 Pro is currently one of the best 5G phones under 20000 in India that can give you a flawless mobile user experience. Here is why it is a stellar phone and why it is a major catch in our list of top mobile phones under 20000. 

Price: Rs. 16,999* on Flipkart

No Cost EMI: Rs. 1,672* over 12 months
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Release Date: March 2021

Pros:

  • Best gaming phone under 20000
  • Long-lasting battery
  • Superior display
  • Supports 5g

Cons:

  • Average cameras

“What customers are saying..” 

Best 5g phone under 20000 in the market today! Excellent gaming performance and super fast fingerprint sensor.

Realme Narzo 30 Pro  Specifications

Display 6.5-inch Full HD+ Display
Processor MediaTek MT6853 Dimensity 800U 5G
Camera 48MP+8MP+2MP (16MP front camera)
RAM 6 GB
OS Android v10.0
Storage 64 GB
Battery 5000 mAh Battery

Customer Rating: 4.3 / 5

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4. POCO X3

Next in the list of best smartphones under 20,000 is this POCO X3 phone. It is one of the best phones under 20000 in India due to its camera, fast-charging battery, which is also long-lasting. It comes with a sleek finish and a huge display, perfect for watching movies online. If you are looking for good camera phones under 20000, POCO X3 can be a great choice. To find out the specs of this best smartphone under 20000 in India, keep reading

Price: Rs. 14,999 on Flipkart.

No Cost EMI: Rs. 1,477 over 12 months
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Release Date: September, 2020

Pros:

  • Long-lasting battery 
  • Great display

Cons:

  • Average front camera

“What customers are saying..” 

Its main highlight is the 120Hz refresh rate that ensures smooth and seamless performance. Can support light to medium gaming.

Poco x3 Specifications

Display 6.67 inch FHD + display
Processor Qualcomm 732g snapdragon 
Camera 64MP + 13MP + 2MP + 2MP
RAM 6GB
OS Android 10
Storage 64GB
Battery 6000 mAH

Customer Rating: 4.4 / 5 on Amazon

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5. Samsung Galaxy M31s

One of the most efficient Samsung phones under 20,000, this phone comes with an excellent camera making it the best camera smartphone under 20000. The huge screen with great resolution makes it one of the best gaming phones under 20,000. It also has a night mode with steady video focus making it a great option for vacations. One of the best looking smartphones under 20000, the Samsung Galaxy M31s talks premium in every way that too on a budget! 

Price: Rs. 15,999 on Amazon

No Cost EMI: Rs. 1,582 over 12 months
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Release Date: March 2020

Pros:

  • Best camera phone under 20000 in India with night mode
  • Long-lasting battery
  • Fast charging battery

Cons:

  • Lower internal storage

“What customers are saying..” 

10/10 for value for money! Beautiful looking OS and display with a massive 6000mAH battery. Camera quality is also fantastic!

 Samsung Galaxy M31s  Specifications

Display 6.4-inch Super Amoled display
Processor Samsung Exynos 9611 SoC.
Camera 64MP+8MP+5MP+5MP
RAM 6 GB
OS Android v10.0
Storage 64 GB
Battery 6000 mAh Battery

Customer Rating: 4.2 / 5

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6. Poco X2

The Poco X2 powered by Xiaomi is a powerful device and one of the best gaming phones under 20000. It has a high-resolution display, seamless user interface and an excellent camera making it one of the top 10 mobiles under 20000. The high performance and its other features do make POCO X2 one of the best mobiles to buy under 20000 in India today. 

Price: Rs. 14,999 on Flipkart

No Cost EMI: Rs. 1,477 over 12 months
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Release Date: Feb 2020

Pros:

  • Excellent camera
  • Good for gaming
  • Good battery life

Cons:

  • Bulky design
  • Low light video isn’t great

“What customers are saying..” 

Supports high graphics gaming like pubg! Excellent fast charging capability – takes battery from 0-100 in less than an hour.

Poco X2 Specifications

Display 6.67-inch display (1080 x 2400 )
Processor Qualcomm Snapdragon 730G 
Camera 20MP + 2MP Front Camera & 64MP + 2MP + 8MP + 2MP rear camera
RAM 6GB 
OS Android 10
Storage 64GB 
Battery 4500mAh 

Customer Rating: 4.5 on Flipkart

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7. Mi 10i 5G

Have one of the highest resolution screens right at your fingertips. It also enables lower power consumption for a longer battery life.Perfect for parties and jam-sessions, it comes with powerful stereo-speakers. It is one of the best phones under 20000 in India.  This smartphone is slightly more expensive than 20,000 but with ZestMoney EMI, it can become instantly affordable for you.

Price: Rs. 23,999* on Amazon

No Cost EMI: Rs. 2,364 over 12 months
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Release Date: Jan 2021

Pros:

  • Excellent camera
  • Fast charging 
  • Fast processor
  • 8gb ram mobile under 20000

Cons:

  • On the pricier end 

“What customers are saying..” 

Impressive camera output quality on low light! Media features are also impressive, especially the audio quality. Not suitable for high level gaming.

Mi 10i 5g Specifications

Display 6.53 inch display 
Processor 750g Snapdragon 
Camera 108 mp + macro and wide angle lens
RAM 8GB
OS Android
Storage 128GB
Battery 4820 mAh large battery with 33W fast charger

Customer Rating: 3.9 / 5 on Amazon

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8. Motorola One Fusion Plus

With extremely cool features like a pop up camera, full HD display, and a big screen, this is the best gaming phone under 20000. It also has a good battery life, so now you can game all day without interruptions. It also has convenient features of gesture recognition. One of the top mobile phones under 20000, it also has convenient features of gesture recognition. Here are more reasons why it is one of the best phones to buy in 2021: 

Price: Rs. 17,499 on Flipkart

No Cost EMI: Rs. 1721 over 12 months
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Release Date: Oct 2020

Pros:

  • Gesture recognition
  • Great display

Cons:

  • Pop-up camera might be fragile

“What customers are saying..” 

Battery lasts 2 days on average usage. Smooth performance with excellent stock android experience! Highly recommend.

Motorola One Fusion plus Specifications

Display (6.5 inch) Full HD+ Display
Processor Qualcomm Snapdragon 730G Processor
Camera 64MP + 8MP + 5MP + 2MP | 16MP Front Camera
RAM 6 GB RAM
OS Android 
Storage 128 GB ROM
Battery 5000 mAh Lithium Polymer Battery

Customer Rating: 4.4 / 5 on Flipkart

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9. Realme 6 Pro

The Realme 6 Pro is a mid-range budget smartphone by Realme, powered by Oppo. It runs on a powerful processor, has a quad-camera set-up, large screen and an excellent HD display. The phone has a stunning striking design making it one of the best-looking smartphones under 20000. Here are more reasons why Realme 6 Pro is one of the top 10 mobiles under 20000, and why it’s so attractive to so many users: 

Price: Rs. 17,999 on Croma

No Cost EMI: Rs. 1,770 over 12 months
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Release Date: March 2020

Pros:

  • Good sleek design
  • Good camera
  • Long battery life

Cons:

  • Bloatware
  • Low light camera is average

“What customers are saying..” 

Excellent budget smartphone under 20k. Camera quality is superb. Battery comes for 2 days with a single charge.

Realme 6 Pro Specifications

Display 6.60-inch display (1080 x 2400 )
Processor Qualcomm Snapdragon 720G Processor
Camera 16MP + 8MP Front Camera & 64MP + 8MP + 12MP + 2MP rear camera
RAM 6GB RAM 
OS Android 10 OS
Storage 64GB storage
Battery 4300mAh battery

Customer Rating: 4.5 on Croma

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10. Samsung Galaxy M31 Pro

Samsung has yet another impressed us with the new Galaxy M31, undoubtedly one of the best Samsung phones under 20000. This flagship Samsung mobile is a powerhouse with a great camera, long battery life, super AMOLED display supporting 4KHDR and the latest Android OS. 

Here’s why it’s an absolute steal:

Price: Rs. 15,999 on Amazon

No Cost EMI: Rs. 1,582 over 12 months
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Release Date: March 2020

Pros:

  • High definition AMOLED display
  • Excellent battery life
  • Fast processor
  • Latest smartphones under 2000

Cons:

  • Low light camera performance is average
  • Spam notifications

“What customers are saying..” 

Stunning displays coupled with large storage capacity and battery life! Ideal for seamless video streaming and occasional heavy gaming.

Samsung Galaxy M31 Pro Specifications

Display 6.40-inch display (1080 x 2400 )
Processor Samsung Exynos 9611 Processor
Camera 32MP + 8MP Front Camera & 64MP + 8MP + 5MP + 5MP rear camera
RAM 6GB RAM 
OS Android 10 OS
Storage 128GB storage
Battery 6000mAh battery

Customer Rating: 4.3 on Amazon

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11. Xiaomi Redmi Note 9 Pro Max

The Redmi Note 9 Pro Max is another great smartphone as part of the Redmi series. The Note 9 Pro Max is a high end but affordable and one of the best smartphones under 20000. It’s smooth AMOLED display makes it great for streaming. It is supported by super-fast charging and seamless user experience. 

Here’s why it is one of the best android phone under 20000

Price: Rs. 14,999 on Amazon

No Cost EMI: Rs. 1,477 over 12 months
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Release date: March 2020

Pros:

  • Excellent phone for gaming and streaming
  • Good camera performance
  • Fast, smooth processor

Cons:

  • Older Android OS
  • Sub-par battery life

“What customers are saying..” 

Stylish phone design with high quality cameras. Powerful 33w fast charging that takes battery from 0-100 in under 45 mins.

Redmi Note 9 Pro Max Specifications

Display 6.67-inch display (1080 x 2400 )
Processor Qualcomm 732g snapdragon 
Camera 32MP front camera & 64MP + 8MP + 5MP + 2MP rear camera
RAM 4GB RAM 
OS Android 8
Storage 64GB
Battery 3300mAh battery

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12. Realme X7 5g

If you are looking for top mobile phones under 20000, then the Realme X7 5g is here to impress. It is a light weight mobile phone and comes with a fast charging battery which can go from 0% to 50% in just 18 minutes. One of the best phones in 20k, it also has 5g dual sim for all your connectivity needs.

Price: Rs. 19,999 on Flipkart

No Cost EMI: Rs. 1,967 over 12 months
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Release date: Feb 2021

Pros:

  • Lightweight and sleek
  • Dual sim
  • Fast charging
  • Latest smartphones under 2000

Cons:

  • Not a very advanced processor

“What customers are saying..” 

Everything you need and want in a smartphone! Dual sim, 5g, lightweight, amoled display fast processor, best Realme phone under 20k.

Realme X7 5g Specifications

Display 6.43 inch
Processor MediaTek 800U 
Camera 64MP + 8MP + 2MP | 16MP Front Camera
RAM 6 GB RAM
OS Android 10
Storage 128 GB ROM
Battery 4310 mAh Battery

Customer Rating: 4.4 / 5 on Amazon

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13. Oppo F17 Pro

The Oppo F17 pro prides itself on being an advanced phone. It is one of the best smartphones under 20000 because of its camera which can take portrait pictures, ultra clear images and videos, fast charging battery and air gestures to pick up calls and more. These are only some of the benefits that make it one of the best phones under 20000 in India

Price: Rs. 19,999 on Flipkart

No Cost EMI: Rs. 1,967 over 12 months
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Release date: September 2020

Pros:

  • Advanced phone with impressive new features
  • Anti-lag algorithm
  • Air gestures
  • 8gb ram mobile under 20000

Cons:

  • On the pricier end

“What customers are saying..” 

Awesome large display and classy mobile design. Not suited for heavy gamers but great for watching movies and videos! 

Oppo F17 Pro Specifications

Display 6.43 inch
Processor MediaTek Helio P95
Camera 48MP + 8MP + 2MP + 2MP | 16MP + 2MP Dual Front Camera
RAM 8 GB RAM 
OS Android 10
Storage 128 GB ROM
Battery 4015 mAh Lithium-ion Battery

Customer Rating: 4.4 / 5 on Flipkart

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14. Samsung Galaxy F41

You know Sansung is a great brand when it makes it twice to the list of best phone under 20,000. Watch a cricket match or your favourite movie uninterrupted with its powerful battery. Its live focus, 5mp depth effect, ultra wide lens are perfect to capture memories with your loved ones. It is one of the best samsung phones under 20,000.

Price: Rs. 17,499 on Flipkart

No Cost EMI: Rs. 1721 over 12 months
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Release date: Oct 2020

Pros:

  • Great storage
  • Advanced camera

Cons:

  • Decent battery

“What customers are saying..” 

Incredible battery backup – last for over 2+ days on normal use. Excellent front camera as well, very rare to see a good front camera in a mobile phone.

Samsung Galaxy F41 Specifications

Display 6.4 inch
Processor Exynos 9611 Processor
Camera 64MP + 8MP + 5MP | 32MP Front Camera
RAM 6GB RAM 
OS Android 9 Pie OS
Storage 128 GB ROM
Battery 4500mAh battery 

Customer Rating: 4.4 on Flipkart

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15. Vivo S1 Pro

The Vivo S1 Pro is a great option if you’re searching for the best phones under 20000 in India. It is power-packed with an excellent camera, good battery life and a beautiful display. 

Here are the specs for this best android phone under 20000:

Price: Rs. 18,990 on Flipkart

No Cost EMI: Rs. 1876 over 12 months
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Release date: January 2020

Pros:

  • Stylish design
  • Excellent selfie camera
  • Long battery life

Cons:

  • Slight bloatware
  • Hybrid SIM slot

“What customers are saying..” 

Best display in a vivo phone! Commendable front camera. Overall a solid mobile phone with all the essential features in this price range.

Vivo S1 Pro Specifications

Display 6.38-inch display (1080 x 2340)
Processor Qualcomm Snapdragon 665
Camera 32MP front camera & 48MP + 8MP + 2MP + 2MP rear camera
RAM 6GB RAM 
OS Android 9 Pie OS
Storage 64GB storage
Battery 4500mAh battery 

Customer Rating: 4.4 on Flipkart

Buy it on EMI

Now that you have gone through this comprehensive list, here is a summary of the best phones under 20000

BEST PHONES UNDER 20000 RELEASE DATE PRICE*  NO COST EMI* (12 Months)
Redmi Note 10 Pro Max March 2021 INR 18,999  INR 1,874/mo
Oppo F19 Pro March 2021 INR 21,490 INR 2,117/mo
Realme Narzo 30 Pro March 2021 INR 16,999 INR 1,672/mo
Poco X3 September 2020 INR 14,999 INR 1,477/mo
Samsung Galaxy M31s March 2020 INR 15,999 INR 1,582/mo
Poco X2 February 2020 INR 14,999 INR 1,477/mo
Mi 10i 5G January 2021 INR 23,999 INR 2364/mo
Motorola One Fusion Plus October 2020 INR 17,499 INR 1,721/mo
Realme 6 Pro March 2020 INR 17,999 INR 1,770/mo
Samsung Galaxy M31 Pro March 2020 INR 15,999 INR 1,582/mo
Redmi Note 9 Pro Max March 2020 INR 14,999 INR 1,477/mo
Realme X7 5G February 2021 INR 19,999 INR 1,967/mo
Oppo F17 Pro September 2020 INR 19,999 INR 1,967/mo
Samsung Galaxy F41 October 2020 INR 17,499 INR 1,721/mo
Vivo S1 Pro January 2020 INR 18,990 INR 1,876/mo

Now, the next step is to pick your choice and buy the best phone under 20000 in India. You can make the purchase using ZestMoney! You can avail ZestMoney across all our major partner websites as well as in your nearest physical electronics store such as  Croma and Sangeetha.

How to buy a phone with ZestMoney EMI?

  1. Signup for ZestMoney credit limit

    Signing up for a ZestMoney credit limit is very simple. Just verify your mobile number and you’re good to go!

  2. Activate your credit limit

    Complete your profile, submit the required KYC documents and set up your repayment to activate your credit limit.

  3. Decide preferred partner to buy a phone

    You can use your ZestMoney credit limit on Amazon, Flipkart, Mi or 1000+ merchant partners to buy a phone.

  4. Choose the best EMI plan

    Select ZestMoney EMI as your payment method at preferred partner, you can choose the EMI plan as per your convenience.

  5. Congrats, your EMI is approved

    Your EMI plan will be approved and your order will be placed successfully. Partner will ship your product to you as per their delivery policy.

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* Note: The prices mentioned here are indicative and may change based on offers and promotions by individual sellers. Kindly check the final price on the seller page before purchase. You can use ZestMoney for buying your mobile on EMI at our merchant partners like Flipkart, Amazon, Mi, Paytm, Croma, etc.