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Camera Phones under ₹20,000

Know more about affordable camera phones available under ₹20,000

Last updated on: March 09, 2026

Capture stunning photos on the latest smartphones! You can get affordable phone options that consist of impressive camera setups, and snag them on no-cost EMI with the Bajaj Finserv EMI Network Card. Get a pre-approved loan of up to ₹3 Lakhs for tenors of up to 60 months. You can choose from over 1.5 lakh partner stores to get the phone of your choice, additional accessories, and more!

EMI Offers on Camera Phones under ₹20,000 at Partner Stores

Here is a list of some great camera phones under ₹20,000 that you can purchase at no-cost EMI with a Bajaj Finserv EMI Network Card:

1.Galaxy M34 5G

  • Camera: Features a 50 MP + 8 MP + 2 MP OIS triple camera setup in the rear and a 13 MP front camera with Nightography 
  • Display: Comes with a 1080 x 2340 pixels 6.5-inch 120Hz Super AMOLED Display that provides crystal clear clarity to your images
  • Storage: Has up to 8 GB RAM and internal storage of up to 256 GB, along with additional external storage of up to 1TB
  • Performance: Boasts an octa-core processor and has a CPU speed of 2.4GHz, 2GHz that enables smooth functioning for the phone
  • Battery life: With a massive battery of 6000mAh enjoy extended hours of use and a video playback time of up to 2 days
  • Price: Get this affordable phone at prices starting from just ₹18,499 (selling price) at no-cost EMI
     

2.OnePlus Nord CE 3 Lite 5G

  • Camera: Boasts a 108 MP + 2 MP + 2 MP rear camera system and a 16 MP front camera
  • Display: View your pictures on the amazing 6.72-inch 120Hz LCD
  • Storage: Comes with 8 GB RAM + 128 GB internal storage and an additional external storage capacity of up to 1 TB
  • Performance: Comes with a Qualcomm Snapdragon 695 Chipset and the pre-installed OxygenOS 13.1 system that ensures powerful performance and a smooth experience
  • Battery life: Enjoy long usage hours with the 5000mAh (non-removable) battery that comes with a 67W SUPERVOOC charger
  • Audio: Features dual stereo speakers and noise cancellation support for high-quality music and audio
  • Price: The OnePlus Nord CE 3 Lite 5G’s price starts from just ₹19,999. You can get this affordable phone on EMI and pay the cost over tenors of up to 60 months.
     

3.moto G84 5G

  • Camera: Consists of a 50 MP rear camera setup with a 360° Panoramic wide angle and a 16 MP front camera
  • Display: Has 2400 x 1080 pixel 6.55-inch 240Hz pOLED display
  • Storage: Comes with a 12 GB RAM and 256 GB internal storage
  • Performance: Operates on the powerful Qualcomm Snapdragon 695 octa-core processor
  • Battery life: Boasts a 5000mAh battery and comes with a 33W Charger
  • Audio: Features dual stereo speakers, Dolby Atmos, Moto Spatial Sound, and Hi-Res Audio that enrich the audio experience
  • Price: Get the moto G84 5G worth ₹18,999.00 (MRP: ₹22,999)  on EMI with the Bajaj Finserv EMI Network Card
     

4.Xiaomi Redmi Note 12 5G

  • Camera: Click high-quality pictures with the 13 MP front camera and 48 MP + 8 MP + 2 MP rear camera setup
  • Display: Features a 2400 x 1080 pixels 6.67-inch 120Hz AMOLED SGS Eye Care DotDisplay 
  • Storage: Boasts 8 GB RAM + 256 GB internal storage and an extendable storage of up to 1 TB
  • Performance: Operates on an octa-core Snapdragon 4 Gen 1 chipset 
  • Battery life: Has a battery of 5000mAh that offers up to 14 hours of gaming and comes with 33W fast charging
  • Price: The Xiaomi Redmi Note 12 5G is available at prices starting from just ₹18,999 (selling price)
     

5.Oppo A78

  • Camera: Comes with a 50 MP + 2 MP rear camera setup and an 8 MP front camera
  • Display: View your top clicks on the 2400×1080 pixel 6.4-inch 90Hz AMOLED display
  • Storage: Boasts an 8GB RAM + 128GB internal storage with an additional 8 GB RAM expansion capacity
  • Performance: Operates on the powerful octa-core Qualcomm Snapdragon 680 chipset
  • Battery life: Has a 5000mAh battery that comes with 67W SUPERVOOC charge
  • Audio: Consists of upgraded dual stereo speakers and Ultra Volume Mode, through which you can increase the volume up to 300%
  • Price: The Oppo A78 worth ₹15,499 is available on no-cost EMI that you can repay over tenors ranging up to 60 months
     

Disclaimer: Please note that the prices mentioned above are only indicative. The products’ prices and/or availability are subject to change without prior notice.

Financial Content Specialist

Reviewer

Roshani Ballal

Frequently Asked Questions

Can I get camera mobile phones under ₹20,000 at no-cost EMIs?

Yes, you can get your favourite camera mobile phone ₹20,000 on no-cost EMI with your Bajaj Finserv EMI Network Card.

Here are some of the best camera phones under ₹20,000 that you can get on no-cost EMI with the Bajaj Finserv EMI Network Card: 

  • Samsung Galaxy M34 5G

  • OnePlus Nord CE 3 Lite 5G

  • moto G84 5G

  • Xiaomi Redmi Note 12 5G

  • Oppo A78

Popular and leading smartphone brands like Xiaomi, Motorola, OnePlus, Oppo, and Samsung provide phones with prices that fall under ₹20,000.

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