Best Phones under 20000

Looking for the best mobile phones below INR 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 phone under 20000, you’ll be surprised to see how many wonderful options you have to choose from! All top brands such as Samsung, Mi, Vivo, Oppo and others offer excellent Android phones below 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 mobiles under 20,000 to help you choose wisely and purchase a dream smartphone of your choice.

1. 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.

Here’s why the Poco X2 should be in your cart:

Price: Rs. 16,999* on Flipkart

Release Date: Feb 11, 2020

Pros:

  • Excellent camera
  • Good for gaming
  • Good battery life

Cons:

  • Bulky design
  • Low light video isn’t great

Specs:

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

Customer Rating: 4.5 on Flipkart

Buy it here

2. 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 Realme 6 Pro is one of the best Realme phones under 20000 and certainly one of the best phones under 20000 too.  

Here’s why it’s so attractive to so many users:

Price: Rs. 17,999* on Croma

Release Date: March 13, 2020

Pros:

  • Good sleek design
  • Good camera
  • Long battery life

Cons:

  • Bloatware
  • Low light camera is average

Specs:

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

Customer Rating: 4.5 Stars on Croma

Buy it here

3. Samsung Galaxy M31

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

Release Date: March 4, 2020

Pros:

  • High definition AMOLED display
  • Excellent battery life
  • Fast processor

Cons:

  • Low light camera performance is average
  • Spam notifications

Specs:

  • 6.40-inch display (1080 x 2340 )
  • Samsung Exynos 9611 Processor
  • 32MP + 8MP Front Camera & 64MP + 8MP + 5MP + 5MP rear camera
  • 6GB RAM + 128GB storage
  • 6000mAh battery 
  • Android 10 OS

Customer Rating: 4.3 stars on Amazon

Buy it here

4. Realme X2

The Realme X2 is a first of its kind with the first Android phone under 20000 to be powered by the Qualcomm Snapdragon 730G SoC. So, if you’re looking for the best phone under 20000, looking no further. 

Here’s what makes the Realme X2 so unique:

Price: Rs. 18,990* on Amazon

Release Date: 20 December, 2019

Pros:

  • Stylish design and good build
  • Good camera performance
  • Superfast charging

Cons:

  • Low light camera can be better
  • Video quality can be improved

Specs:

  • 6.40-inch display (1080 x 2340 )
  • Qualcomm Snapdragon 730G 
  • 32MP front camera & 64MP + 8MP + 8MP + 2MP rear camera
  • 4GB RAM + 64GB storage
  • 4000mAh battery 
  • Android 9 OS

Customer Rating: 4 stars on Amazon

Buy it here 

5. Samsung Galaxy A50S

If you’re looking for a Samsung phone below 20000, the Galaxy A50S is a fantastic option to consider. The Galaxy A50S has an Infinity U Display, triple rear camera, powerful battery and seamless UI.

Here’s what makes it one of the best mobiles under 20000:

Price: Rs. 18,570* on Flipkart

Release date: 11 September 2019

Pros:

  • Excellent display
  • Good daylight camera
  • Good battery life

Cons:

  • Average low light camera performance
  • Design is not very stylish

Specs:

  • 6.40-inch display (1080 x 2340 )
  • Samsung Exynos 9611
  • 32MP front camera & 48MP + 5MP + 8MP rear camera
  • 4GB RAM + 128GB storage
  • 4000mAh battery 
  • Android 9 OS

Customer ratings: 4.3 on Flipkart

Buy it here

6. Poco F1

Poco powered by Xiaomi is one of the most popular smartphone brands today. The Poco F1 is the first of its kind in India and it has much to offer. It has a fast processor, good battery life, good camera and an HD display, making it one of the best smartphones under 20000

Here’s what makes it cart-worthy:

Price: Rs. 18,599* on Amazon

Release date: 22 August 2018

Pros:

  • Good battery life
  • Good design
  • Good memory

Cons:

  • Older Android OS
  • No 4K HDR support

Specs:

  • 6.18-inch display (1080 x 2246 )
  • Qualcomm Snapdragon 845
  • 20MP front camera & 12MP + 5MP rear camera
  • 6GB RAM + 128GB storage
  • 4000mAh battery 
  • Android 8.1 OS

Customer ratings: 4.2 on Amazon

Buy it here

7. Asus Zenfone 5Z

Asus stepped up its competitive edge by releasing the powerful Zenfone 5Z. This is one of the best smartphones under 20,000 because of its stylish design, octa-core high-speed processor, excellent camera and gaming capabilities. 

If you’re specifically looking for an Asus phone below 20000, this is it.

Price: Rs. 13,949* on Flipkart

Release date: 3 July, 2019

Pros:

  • Stylish, solid design
  • Good camera performance
  • Good battery life

Cons:

  • Not splash resistant
  • Old Android OS

Specs:

  • 6.20-inch display (1080 x 2246 )
  • Qualcomm Snapdragon 845
  • 8MP front camera & 12MP + 8MP rear camera
  • 4GB RAM + 64GB storage
  • 3300mAh battery 
  • Android 8.0 OS

Customer Ratings: 4.5 on Flipkart

Buy it here

8. 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 top 10 phones under 20000:

Price: Rs. 16,499* on Mi store

Release date: 11 March 2020

Pros:

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

Cons:

  • Older Android OS
  • Sub-par battery life

Specs:

  • 6.67-inch display (1080 x 2400 )
  • Qualcomm Snapdragon 720G
  • 32MP front camera & 64MP + 8MP + 5MP + 2MP rear camera
  • 4GB RAM + 64GB storage
  • 3300mAh battery 
  • Android 8.0 OS

Customer Rating: 4.5 on Amazon

Buy it here

9. Vivo Z1X

If you’re wondering what makes a Vivo phone so popular, take a look at the Z1X. The Vivo Z1X is the embodiment of all things good. With an excellent camera performance, super HD display, smooth UI and excellent battery life, the Z1X is one of the best Vivo phones under 20000 and also one of the best camera phones below 20000

Here are the specs:

Price: Rs. 16,990* on Flipkart

Release date: 13 September 2019

Pros:

  • Excellent, fast performance
  • Long battery life
  • Excellent camera

Cons:

  • Bulky design
  • No expandable memory

Specs:

  • 6.38-inch display (1080 x 2340 )
  • Qualcomm Snapdragon 712
  • 32MP front camera & 48MP + 8MP +  2MP rear camera
  • 6GB RAM + 64GB storage
  • 4500mAh battery 
  • Android 9 OS

Customer Rating: 4.4 on Flipkart

Buy it here

10. Oppo K3

Oppo is a very popular smartphone brand in India. Oppo K3 is the latest budget smartphone released by Oppo and is one of the best phones under 20000 in India today. It’s stylish design coupled with AMOLED display and VOOC flash charge 3.0 makes it a coveted choice among technology enthusiasts. 

Here’s why you need to add it to your cart:

Price: Rs. 18,519* on Amazon

Release date: 23 July 2019

Pros:

  • Excellent design
  • Sharp OLED display
  • Good camera

Cons:

  • Slightly large phone
  • Non-expandable memory

Specs:

  • 6.50-inch display (1080 x 2340 )
  • Qualcomm Snapdragon 710
  • 16MP front camera & 16MP + 2MP rear camera
  • 8GB RAM + 64GB storage
  • 3765mAh battery 
  • Android 9 Pie OS

Customer Rating: 4.3 on Amazon

Buy it here

11. Nokia 8.1

If you’re looking for the best battery phone under 20000, look no further than Nokia. The Nokia 8.1 is a solid device that has an Android One interface, which delivers a smooth, streamlined user experience. Its powerful battery life makes it one of the best smartphones under 20000

Here’s why you should buy it:

Price: Rs. 16,856* on Croma

Release Date: 20 December 2018

Pros:

  • Android One OS
  • Excellent battery life
  • Solid design

Cons:

  • Average low light camera 
  • Video quality is average

Specs:

  • 6.18-inch display (1080 x 2244)
  • Qualcomm Snapdragon 710
  • 20MP front camera & 12MP + 13MP rear camera
  • 4GB RAM + 64GB storage
  • 3500mAh battery 
  • Android 9 Pie OS

Customer Rating: 4.1 on Croma

Buy it here

12. Samsung Galaxy M40

The Galaxy M-Series is one of Samsung’s most popular smartphone series. It focuses on high-end quality and low pricing, making it the perfect choice for those looking for the best phone under 20000.

The Galaxy M40 boasts a sharp HD display, good gaming support and high-speed performance.

Here’s why it should be on your list:

Price: Rs. 18,290*

Release date: 18 June 2019

Pros:

  • Modern design and sharp display
  • Goof battery life
  • Good gaming phone

Cons:

  • Average camera performance in low light
  • No headphone socket

Specs:

  • 6.30-inch display (1080 x 2340)
  • Qualcomm Snapdragon 675
  • 16MP front camera & 32MP + 5MP + 8MP rear camera
  • 6GB RAM + 128GB storage
  • 3500mAh battery 
  • Android 9 Pie OS

Customer Rating: 4.2 on Flipkart

Buy it here

13. Realme 3 Pro

Realme, powered by Oppo has really picked up the pace in the last two years. The Realme 3 Pro is a delightful entry into the smartphone market. If you’re specifically looking for an Oppo or Realme phone, the Realme 3 Pro is one of the best Realme phones under 20000. Here’s why:

Price: Rs. 15,999*

Release Date: 29 April 2019

Pros:

  • Excellent battery life
  • Powerful SoC
  • Good camera performance

Cons:

  • No Type-C USB port
  • Average low light camera performance

Specs:

  • 6.30-inch display (1080 x 2340)
  • Qualcomm Snapdragon 710
  • 25MP front camera & 16MP + 5MP rear camera
  • 6GB RAM + 128GB storage
  • 3500mAh battery 
  • Android 9 Pie OS

Customer Rating: 4.5 on Flipkart

Buy it here

14. Redmi-Note-8-Pro

The Redmi Note 8 Pro is a fantastic release by Xiaomi. The Note series has impressed customers so far and the Note 8 is no disappointment. With a stellar camera, high performance and affordable price, the Note 8 Pro is one of the best Mi phones below 20000

Here’s why it’s such a popular choice:

Price: Rs. 15,999* on Mi website

Release Date: 21 October 2019

Pros:

  • Great performance overall
  • Excellent camera
  • Stylish solid build

Cons:

  • Average video quality in low light
  • Gets heated while gaming

Specs:

  • 6.53-inch display (1080 x 2340)
  • MediaTek Helio G90T
  • 20MP front camera & 64MP + 8MP + 2MP + 2MP rear camera
  • 6GB RAM + 64GB storage
  • 4500mAh battery 
  • Android 9 Pie OS

Customer Rating: 4.4 on Amazon

Buy it here

15. Vivo S1 Pro

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

Here are the specs:

Price: Rs 18,999* on Flipkart

Release date: 04 January 2020

Pros:

  • Stylish design
  • Excellent selfie camera
  • Long battery life

Cons:

  • Slight bloatware
  • Hybrid SIM slot

Specs:

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

Customer Rating: 4.4 on Flipkart

Buy it here

Here is a summary of the best phones under 20000 in the market right now:

NAME MODEL PRICE*  RELEASE DATE
Xiaomi  Poco X2 Rs. 16,999 11/02/2020
Realme Realme 6 Pro Rs. 17,999 13/03/2020
Samsung Galaxy M31 Rs. 15,999 4/03/2020
Realme Realme X2 Rs. 18,990 20/12/2019
Samsung Galaxy A50S Rs. 18 570 11/09/2019
Poco PocoF1 Rs. 18,599 29/08/2018
Asus Zenfone 5Z Rs. 16,999 09/07/2019
Xiaomi Redmi Note 9 Pro Max Rs. 16, 499 11/03/2020
Vivo Vivo Z1X Rs. 16,990 13/09/2019
Oppo Oppo K3 Rs. 18,519 23/07/2019
Nokia Nokia 8.1 Rs. 16,856 20/12/2018
Samsung Galaxy M40 Rs. 18,290 18/06/2019
Realme Realme 3 Pro Rs. 16,999 29/04/2019
Xiaomi Redmi Note 8 Pro Rs. 15,999 21/10/2019
Vivo Vivo S1 Pro Rs. 18,999 04/01/2020

Now that you have gone through this comprehensive list, the next step is to go ahead and buy the best mobile phone under 20000. You can do this 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.