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 a credit card using ZestMoney’s 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 the best phones under 20000 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 in 2022.

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 your dream smartphone of your choice.

1. Motorola Moto G71

Motorola’s mid-range offering the G71 features a 6.4-inch AMOLED display that houses a hole punch. This display boasts good viewing angles and the screen was bright enough even when taken outdoors, making it one of the best phones under 20000.

The Motorola G71 is easy to carry owing to its compact dimensions and light-weight, and it also has a rear-mounted fingerprint sensor, unlike the competition which offers side-mounted fingerprint scanner.

Powering the Moto G71 5G is a Qualcomm Snapdragon 695 SoC and coupled with 6GB of RAM and 128GB of storage, this makes it one of the best 5G phones under 20000. When it comes to battery and charging, the Moto G71 packs in a long-lasting 5,000mAh battery, which can be charged by the 33 W charger that comes in the box.

The Moto G71 does well in the most important feature for users at this price point; the camera! The G71 5G has a triple camera setup, which features a 50 MP primary camera, an 8 MP ultrawide angle cam, and a macro camera as well.

The camera clicks some great photos during the day with the primary camera and the ultra-wide lens. Photos such as selfies, closeups, portraits, etc., had good details. It does struggle a bit in lowlight conditions but the camera’s Night Mode makes the pictures quite dramatic.
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The Moto G71 has received rave reviews as one of the best 5G phones under 20000

Pros:

  • Battery life
  • Easy to hold
  • Display

Cons: 

  • Lowlight performance

Price: ₹18,999* 

No Cost EMI: 1,508* over 12 months

“What customers are saying..” 

I’ve always been a Motorola fan, but Motorola moto G60 beats its predecessors by far! Great display and outstanding camera. Such a steal at this price! 

Motorola Moto G71 Specifications
Display 6.40-inch, 1080×2400 pixels
Processor Qualcomm Snapdragon 695
RAM 6GB
Storage 128GB
Battery Capacity 5000mAh
Rear Camera 50MP + 8MP + 2MP
Front Camera 16MP

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2. Realme 8 Pro

Realme 8 Pro, being powered by the same Qualcomm Snapdragon 720G processor, offers a smooth user experience, making it one of the best Realme best phone under 20000. It is tactfully designed in such a way that it is extremely comfortable for single-handed use.
It boasts a brighter display than its predecessor Realme Pro 7 and it can be unlocked with ease using the fingerprint scanner. Realme offers this latest smartphone under 20000 in three colour variants: three colour options: Infinite Blue, Infinite Black, and Illuminating Yellow.

Price: ₹19,999* on Flipkart

No Cost EMI: 1,666* over 12 months
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Release Date: March 2021

One of the best phones under 20000

Pros:

  • Rich AMOLED display
  • One of the best camera smartphones under 20000
  • 50W fast charging
  • Exemplary video quality 

Cons:

  • No high refresh rate display
  • Camera features could be better 

“What customers are saying..” 

Amazing user experience! Loving this phone so far. Easily one of the best Realme phones under 20000!

Oppo F19 Pro Specifications

Display  6.4 inch Full HD, Super AMOLED Display
Processor Qualcomm Snapdragon 720G Processor
Camera 108MP + 8MP + 2MP + 2MP | 16MP Front Camera
RAM 8GB RAM 
OS Android 11, Realme UI 2.0
Storage 128 GB ROM, expandable up to 256 GB
Battery
4500 mAh Battery

Customer Rating: 4 stars on Amazon

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3. Poco X3 Pro

Considered one of the best mobiles under 20000 in India, it is popular among the youth as it promises an unmatchable gaming experience. It offers a seamless user experience as well, owing to its powerful processor and high refresh rate. With dual-tone gradient finish on sides of the back and glossy finish at the center, along with the bold Poco branding, it is easily one of the best-looking smartphones under 20000.

Price: ₹18,999* on Flipkart

No Cost EMI: 1,583* over 12 months
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Release Date: March 2021

Poco X3 Pro - Best gaming phones under 20000

Pros:

  • One of the best gaming phones under 20000 
  • Commendable camera features 
  • Great battery life
  • Excellent audio quality 

Cons:

  • Heavy and bulky
  • No AMOLED Display

“What customers are saying..” 

Looks very classy, offers amazing performance, too! 10/10 recommend this phone to gamers.

Realme Narzo 30 Pro  Specifications

Display 6.67 inch Full HD+ Display
Processor Qualcomm Snapdragon 860
Camera 48MP + 8MP + 2MP + 2MP | 20MP Front Camera
RAM 6 GB
OS 128 GB ROM, expandable up to 1 TB
Storage 64 GB
Battery 5160 mAh Lithium-ion Polymer Battery

Customer Rating: 4.3 / 5

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4. Infinix Note 10 Pro

Next on our list of best phones under 20000 in India is the Infinix Note 10 Pro. With a powerful processor and having 8 GB RAM, it goes without saying that it is a great smartphone for gamers. Infinix Note 10 Pro has a quad-camera setup with a 64-megapixel primary camera and 5000mAh battery. It won the IF Design Award for 2021; no wonder it is one of the best-looking smartphones under 20000 in the market currently. Its 6.95-inch full-HD+ LCD display also makes it an ideal choice for entertainment purposes. It has three colour variants, namely: 7-degree Purple, 93-degree Black, and Nordic Secret.

Price: ₹16, 999* on Flipkart

No Cost EMI: 1,416* over 12 months
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Release Date: June 2021

Infinix Note 10 Pro - Best gaming phones under 20000

Pros:

  • Great audio quality
  • Decent daylight photography
  • Excellent performance
  • Offers an exceptional gaming experience

Cons:

  • Not ideal for single-handed use 
  • Night photography could be improved

“What customers are saying..” 

Best valve for purchase! I really enjoy binge-watching on this phone! 

Poco x3 Specifications

Display 6.95 inch Full HD+ Display
Processor MediaTek Helio G95
Camera 64MP + 8MP + 2MP + 2MP | 16MP Front Camera
RAM 8 GB
OS Android 11, XOS 7.6
Storage 256 GB ROM, expandable up to 256 GB
Battery
5000 mAh Li-ion Polymer Battery

Customer Rating: 4.4 / 5 on Amazon

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5. Samsung A22

Samsung A22, considered to be one of the best smartphones under 20000 in India, is powered by an octa-core processor and 5000mAh battery. It also boasts of a great design. With the matte finish polycarbonate cover, it gives sophisticated vibes. Even though it does not have an AMOLED screen, the display capabilities of this smartphone are still pretty impressive considering the 6.6-inch LCD screen which offers full-HD+ resolution. Samsung has launched this phone in four attractive colours, namely black, mint, violet, and white.

Price: ₹18, 499 on Flipkart 

No Cost EMI: 1,541 over 12 months
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Release Date: June 2021

Samsung A22 - One of the best phones under 20000

Pros:

  • Decent battery life
  • High refresh rate 
  • Commendable camera performance
  • One of the best 5G phones under 20000 in India

Cons:

  • Slow charging 
  • Audio quality could be better

“What customers are saying..” 

What a display! Great camera, too. Can’t believe that it is priced below 20k.

 Samsung Galaxy M31s  Specifications

Display 6.4 inch HD+ Display
Processor MediaTek Helio G80
Camera  48MP + 8MP + 2MP + 2MP | 13MP Front Camera
RAM 6 GB
OS
Android 11, One UI Core 3.1
Storage 128 GB ROM | Expandable up to 1 TB
Battery 5000 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 in 2022. 

Price: ₹14,999 on Flipkart

No Cost EMI: 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 thanks to 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: ₹23,999* on Amazon

No Cost EMI: 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 2022: 

Price: ₹17,499 on Flipkart

No Cost EMI: 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. 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: ₹15,999 on Amazon

No Cost EMI: 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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10. 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 in India in 2022. Its smooth AMOLED display makes it great for streaming. It is supported by super-fast charging and a seamless user experience. 

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

Price: ₹14,999 on Amazon

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

Rated across board as one of the best smartphones under 20000 in India in 2022. This Redmi proves itself to be a great steal at the price of Rs.14999

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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11. Realme X7 5g

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

Price: ₹19,999 on Flipkart

No Cost EMI: 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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12. 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, has a fast-charging battery, and comes with 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 in 2022.

Price: ₹19,999 on Flipkart

No Cost EMI: 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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13. Samsung Galaxy F41

You know Samsung is a great brand when it appears multiple times in this list of best phones 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: ₹17,499 on Flipkart

No Cost EMI: 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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14. IQOO Z3

The iQoo Z3is an affordable smartphone that is a very good looking unit. It is more than just a pretty face, though, as it has a capable processor. Powered by the Qualcomm Snapdragon 768G, a mid-range SoC that surprisingly makes it to this affordable smartphone, the iQoo Ze is one of the best 5G phones under 20000.

The Z3 also has a triple-camera setup, which performs well in daylight but struggles in low light conditions.

Coming to the battery and charging capacity, the iQoo Z3 has a 4,400mAh battery that charges from 0 to 100 percent in just 60 minutes thanks to the 55W charging plug. 

The display is good too, thanks to the 120Hz LCD panel and pro gamers will also like the fact it has 180Hz touch sampling rate. 

Looking at how attractive the Z3 has been priced, this could possibly be the best phone under 20000 in the Indian market. 

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Price: ₹17,990* 

A Qualcomm Snapdragon 768 is hard to find in this price range making the IQOO Z3 one of the best phones under 20000 in India.

Pros:

  • Competitively priced
  • Very good hardware
  • Battery

Cons: 

  • Camera performance in low light conditions

“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.

iQOO Z3 Specifications
Display 6.58-inch, 1080×2408 pixels
Processor Qualcomm Snapdragon 768G
RAM 6GB
Storage 128GB
Battery Capacity 4400mAh
Rear Camera 64MP + 8MP + 2MP
Front Camera 16MP

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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)
Motorola Moto G71 August 2021 ₹18,999 ₹1,508/mo
Realme 8 Pro March 2021 ₹19,999 ₹1,666/mo
Poco X3 Pro March 2021 ₹16,999 ₹1,672/mo
Infinix Note 10 Pro June 2021 ₹16,999 ₹1,416/mo
Samsung A22 June 2021 ₹18,499 ₹1,541/mo
Poco X2 February 2020 ₹14,999 ₹1,477/mo
Mi 10i 5G January 2021 ₹23,999 ₹2,364/mo
Motorola One Fusion Plus October 2020 ₹17,499 ₹1,721/mo
Samsung Galaxy M31 Pro March 2020 ₹15,999 ₹1,582/mo
Redmi Note 9 Pro Max March 2020 ₹14,999 ₹1,477/mo
Realme X7 5G February 2021 ₹19,999 ₹1,967/mo
Oppo F17 Pro September 2020 ₹19,999 ₹1,967/mo
Samsung Galaxy F41 October 2020 ₹17,499 ₹1,721/mo
IQOO Z3 April 2022 ₹17,990 ₹1,499/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

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  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.