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Best Camera Phones Under ₹20,000 on EMI

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

Last updated on: Oct 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 3 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 3 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 3 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.

Xerxes author profile image
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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