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With the rapid advancements in the smartphone industry, now you don’t need to shell out more than ₹20,000 to enjoy pro-grade features. One brand that’s been making a mark on the sub-₹20,000 market is Xiaomi. With both its Mi and Redmi sub-brands offering top-notch models in this segment has made Xiaomi a notable segment leader. You can make your Mi smartphone purchases even more affordable with the Bajaj Finserv EMI Network Card. This card lets you convert your big and small purchases in easy No Cost EMIs that come with flexible repayment plans. 

List of Mi Phones Under ₹20,000 with Updated Price

Whether you wish to game or pursue your passion for photography, Mi has an extensive range of phones to cater to your specific needs. If you need help finding the best Redmi phone under ₹20,000, here’s a quick price guide that’ll help:

Model Name

Price

Redmi 11 Lite (128 GB/8 GB, Jazz Blue)

₹18,994

Mi Note 11 Pro (128 GB/ 6 GB, Star Blue)

₹17,999

Redmi K20 (128 GB/ 6 GB, Carbon Black)

₹19,998

Redmi Note 10 Pro Max (128 GB/ 6 GB, Vintage Bronze)

₹19,999

Redmi Note 11S (64 GB / 6 GB, Space Black) 

₹16,499

Redmi Note 11T 5G (128 GB/ 8 GB, Stardust White)

₹18,499

Redmi Note 12 5G (128 GB/4 GB, Mystique Blue)

₹16,999

Features of Some of the Top Mi Phones Under ₹20,000

1. Mi 11 Lite (128 GB/8 GB, Jazz Blue)

  • Sporting a 6.81 mm thick body and weighing just 157 g, this feather-light Mi phone under ₹20,000 looks sleek and offers a comfortable single-hand use. 

  • With a Qualcomm Snapdragon 732G processor and super-fast 8 GB LPDDR4X RAM, the device brings you smooth productivity all day. 

  • The smartphone boasts a segment-first 10-bit AMOLED screen that enhances your visual journeys with richer and deeper colours than a regular 8-bit screen.  

 

You can purchase this Mi phone on EMI for a price of ₹18,994/number of months chosen as repayment tenor.

2. Mi Note 11 Pro (128 GB/ 6 GB, Star Blue)

  • Thanks to the Helio G96 processor and liquid cool tech onboard, you can switch between work and play modes without facing processing lags or overheating issues. 

  • Made to fuel your productivity and lower down time, this smartphone comes with a 67W Turbo Charging battery that can refuel in just 15 minutes. 

  • Making pro-grade captures pocket-friendly, this mid-range smartphone features a 108 MP lens and unlimited editing options.  

 

You can purchase this Mi phone on EMI for a price of ₹17,999/number of months chosen as repayment tenor.

3. Redmi K20 (128 GB/ 6 GB, Carbon Black)

  • The uniquely designed Game Turbo 2.0 mode of this smartphone brings flagship-level low latency and network delays to a mid-range device.

  • The 48 MP AI triple camera allows you to shoot your subject in high-res frames, while the pop-up selfie lens leaves you with a spacious display.

  • This 6.39-inch horizon AMOLED display boasts an impressive 91.9% screen-to-body ratio and HDR range, delivering no-bar, immersive entertainment.   

 

You can purchase this Mi phone on EMI for a price of ₹19,998/number of months chosen as repayment tenor.

4. Redmi Note 10 Pro Max (128 GB/ 6 GB, Vintage Bronze)

  • Fitted with a 3rd Gen 108 MP HM2 sensor, a 2 MP tele-macro lens, and 2 MP depth sensor, this smartphone captures stunning night shots, dual videos, and long exposure frames. 

  • Its 6.67-inch ultra-bright sAMOLED display boasts a 120 Hz refresh rate for smooth scrolls and comes with Gorilla Glass 5 protection.

  • Equipped with a 33W fast-charging 5,000 mAh battery, this smartphone refuels from 0%-100% in just 75 minutes.  

 

You can purchase this Mi phone on EMI for a price of ₹19,999/number of months chosen as repayment tenor.

5. Redmi Note 11S (64 GB / 6 GB, Space Black) 

  • The sAMOLED display of the device brings you better contrast, higher peak brightness levels, and power-efficient performance than regular LCD screens. The special Reading Mode 3.0 reduces the strain on your eyes when scrolling in the dark.

  • The 12 nm architecture of the Helio G96 chipset delivers impeccable power-efficient performance, ensuring the 5,000 mAh battery lasts all through the day.

  • The Z-Axis Vibration Motor and dual speakers of the device deliver enhanced haptics and sound while gaming.

  

You can purchase this Mi phone on EMI for a price of ₹16,499/number of months chosen as repayment tenor.

6. Redmi Note 11T 5G (128 GB/ 8 GB, Stardust White)

  • Based on a MediaTek Dimensity 810 processor, this smartphone features a super-fast UFS 2.2 storage and RAM Booster tech to fuel high-speed multitasking sessions.  

  • The 6.6-inch FHD+ display of the device comes with a 90Hz adaptive refresh rate so that frame transition rates adapt intuitively with the displayed content. 

  • The dual SIM 5G support of the device allows you to benefit from low latency and high-speed uploads on both SIM cards simultaneously.   

 

You can purchase this Mi phone on EMI for a price of ₹18,499/number of months chosen as repayment tenor.

7. REDMI Note 12 5G (128 GB/4 GB, Mystique Blue)

  • For lag-free app juggles and formidable gaming performance, the smartphone packs a Snapdragon 4 Gen 1 chipset and up to 5 GB of virtual RAM.

  • The dynamic colour range of the 48 MP AI triple camera and advanced edge-detection tech renders detailed and crisp shots no matter the ambient lighting. 

  • Enjoy perfect blacks and vivid colour contrast on the segment-leading 6.67-inch AMOLED screen with 100% DCI P3 colour gamut support. 

 

You can purchase this Mi phone on EMI for a price of ₹16,999/number of months chosen as repayment tenor.

 

Disclaimer: The prices mentioned above are as per the details provided on a Bajaj Finserv network store's website. These are only indicative and subject to change at the provider's discretion.

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Buy Mi Phones Under ₹20,000 on EMI with Bajaj Finserv EMI Network Card

Getting the latest Mi smartphones is now easier than ever, with the Bajaj Finserv EMI Network Card. What’s more, you can make your purchase either online or offline, depending on your preference. Here’s how you can get started: 

  • Step 1: Open a Bajaj Finserv partner store’s website.

  • Step 2: Navigate to the ‘Mi phones under ₹20,000’ page and browse through models. 

  • Step 3: Select one and add it to your cart and head for the checkout window. 

  • Step 4: Among the various payment modes available, choose the ‘Bajaj Finserv EMI Network Card’ option and select a repayment duration. 

  • Step 5: Punch your OTP verification code to complete and confirm the order.

 

Want to see how the phone looks and feels in your hand first? You can review the phone physically and then purchase it at any one of the partner stores. To enjoy the same discounts, EMI perks, and deals, simply visit the nearest Bajaj Finserv partner retailer in your pincode. Furnish your Bajaj Finserv EMI Network Card details at the billing counter. For the No Cost EMI plan, select an appropriate tenure and confirm the order with the OTP sent on your phone number.

FAQs on Mi Phones Under ₹20,000

Which is Mi’s best phone under ₹20,000 for gaming?

Redmi Note 11T 5G is a great option for gaming enthusiasts. The device is powered by a Dimensity 810 processor and features a fluid 90 Hz screen. It also comes with MediaTek’s HyperEngine support to ensure powerful and smooth gaming sessions. 

 

Which is the fastest Mi phone under ₹25,000?

Powered by the octa-core MediaTek Dimensity 920 processor, the Mi 11i 5G is one of the fastest Mi smartphones under ₹25,000. 

 

What camera features can I enjoy with a Redmi phone under ₹20,000?

Most Redmi phones under ₹20,000 feature multiple camera lenses to capture frames with not just accurate colour contrast, but also detail. They come with AI photography algorithms, high-res sensors, and dedicated photography modes to perfectly frame your precious moments. Apart from stunning portraits and landscapes, you can capture dual videos, night shots, and long exposure shots with these smartphones. 

 

What are the 5G Mi phones under ₹20,000?

Redmi Note 11T, and Note 12 come with dual SIM 5G support. They are also compatible with all top 5G network bands.

 

Which is the fastest charging Mi phone under ₹20,000?

Equipped with 67W Turbo Charge support, the Redmi Note 11 Pro model is the fastest charging Mi smartphone under ₹20,000. The device can charge up to 50% in just 13 minutes. 

 

Which Mi phone under ₹20,000 flaunts the best display?

The Mi 11 Lite model features a segment-best 10-bit display. This novel sAMOLED display brings 1 billion colours to life on the screen, ensuring more vivid and engaging entertainment sessions. 

 

What is the maximum refresh rate on a Mi phone under ₹20,000?

The maximum refresh rate available on a Redmi smartphone under ₹20,000 is 120 Hz. This is an adaptive refresh rate, meaning the screen intuitively changes rates as per your usage patterns. For instance, for scrolling the rate is capped at 90 Hz, while when gaming, this rate rises to 120 Hz. 

 

Can I get a Mi smartphone on No Cost EMI without a credit card?

Yes, you can get the latest Mi smartphones on No Cost EMI with the Bajaj Finserv EMI Network Card. This card comes with a pre-approved loan limit of up to ₹2 Lakhs that helps you access EMI offers at over 1.5 lakh partner stores. 

 

What are the advantages of the Bajaj Finserv EMI Network Card?

The Bajaj Finserv EMI Network Card is one of the most affordable financing options available in the market today. Here are some features that make this card a must-have: 

  • Pre-approved loan limit of up to ₹2 Lakhs

  • Expansive partner network of over 1.5 lakh stores 

  • Over a million products on No Cost EMI 

  • Zero foreclosure costs 

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