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Looking to upgrade your smartphone but worried about the cost? We’ve rounded up some of the best mobile phones under ₹20,000. What’s more, you can now purchase these mobile phones on easy, No Cost EMIs with the Bajaj Finserv EMI Network Card. This card comes with a pre-approved loan amount of up to ₹3 Lakhs. And, it can be used to purchase over a million products from 1.5 lakh partner sellers across 4,000 cities. Keep reading to know how you can make your mobile phone purchases affordable with the Bajaj Finserv EMI Network Card!

Some of the Best Mobile Phones Under ₹20,000 to Buy in India

Here are some of the best mobile phones under ₹20,000 in India available on No Cost EMI with the Bajaj Finserv EMI Network Card: 

  • Redmi Note 11T (8 GB RAM, 128 GB Storage)

The Redmi Note 11T from Xiaomi is the company's most recent entry-level model and a replacement for the Note 10T. The Dimensity 810 5G chipset, a notable upgrade from the 700 used in the prior version, fuels the gadget. 

Additionally, 128GB of quick UFS 2.2 storage and up to 8GB of RAM are included. The phone camera has a 50MP primary sensor and an 8MP ultra-wide sensor. A quick 33W charger supports the 5,000mAh battery.

  • Samsung Galaxy M32 (6GB RAM, 128GB Storage)

The Samsung M32 comes with a 6.4 inch, FHD+ sAMOLED Infinity-U display and a refresh rate of 90 Hz, which lets you enjoy watching videos and playing games. The 6000 mAh battery lets you browse the internet for up to 24 hours at a stretch, and a MediaTek G80 processor makes multitasking easy. A 64 MP quad-camera rounds off this model as one of the best mobile phones under Rs.20,000.

  • Realme 9 (4 GB RAM, 64 GB Storage)

The mobile features an AMOLED panel with an FHD+ resolution and a 90Hz refresh rate. The phone is powered by Snapdragon 680. With a 108MP primary sensor and an 8MP ultra-wide shooter, it still has the camera equipment to differentiate itself. The phone supports 33W fast charging, runs on Android 12, and has a 5,000 mAh battery.

  • Realme 8s 5G (8GB RAM, 128GB Storage)

The Realme 8s 5G features a MediaTek Dimensity 810 5G processor, making it one of the fastest phones below Rs.20,000. The 64MP Nightscape Camera allows for some stunning shots in the dark, and the 6.5 inch FHD+ screen lets you enjoy the images you’ve clicked. With the 33W Dart Charge feature that powers up your phone in no time and a 5000mAh battery, the Realme 8s 5G is one of the top phones under Rs.20,000.

  • Samsung Galaxy F23 (6 GB RAM, 128 GB Storage)

The F23 is the latest example of how Samsung is developing a strong portfolio of affordable offerings in its F series. The processing requirements are effectively met because of the reliable Snapdragon 750G SoC. A 120Hz panel adds additional smoothness on top of that. The 50MP primary sensor and an effective 8MP ultra-wide support the primary sensor, while the triple cameras provide the finishing touches. The F23 has a 5,000mAh battery that gives it a long battery life, and the 25W charging effectively charges it.

  • Redmi Note 10 Pro Max (6GB RAM, 128GB Storage)

The Redmi Note 10 Pro Max is one of the best smartphones under Rs.20,000, thanks to its 108MP quad-camera and Qualcomm Snapdragon 732G processor. The 6.67 inch Super AMOLED display with a refresh rate of 120 Hz ensures that you get an enhanced viewing experience. The 5020 mAh battery and 33W fast charger combine to deliver 11.5 hours of continuous gaming and a 100% charge in just 75 minutes. To top it off, this phone features a Z-Axis Vibration Motor, which provides you with more intuitive haptic feedback.

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Benefits of Purchasing Mobile Phones Under ₹20,000 with the Bajaj Finserv EMI Network Card

Economical Financing Option

The Bajaj Finserv EMI Network Card is one of the most cost-effective consumer durable financing options available in the market today. You can start shopping for all your favourite gadgets, apparel, hoREAD MOREme appliances etc., at No Cost EMIs once you’ve got your hands on this card. READ LESS

Flexible Repayment Tenor

The Bajaj Finserv EMI Network Card comes with a repayment structure that you can tailor according to your financial situation and goals. 

Wide Network

The Bajaj Finserv EMI Network Card comes with an expansive EMI partner network. For some context, you can purchase over a million products on No Cost EMIs from 1.5 lakh sellers with this card. 

Zero Foreclosure Charges

This card comes with a liberal foreclosure policy that lets you close your EMI account at any point in time without incurring any additional charges.

FAQs on Mobile Phones Under ₹20,000 on EMI

Which phone is available on EMI?

You can buy over a million products on No Cost EMI with the Bajaj Finserv EMI Network Card. This includes the latest smartphones and accessories. Get the Bajaj Finserv EMI Network to enjoy no-cost EMIs and flexible repayment plans.

Which is the best mobile phone under ₹20,000?

Here are some of the best mobile phones under ₹20,000: 

  • Redmi Note 11T (8 GB RAM, 128 GB Storage)

  • Samsung Galaxy M32 (6GB RAM, 128GB Storage)

  • Vivo Y20A (3GB RAM, 64GB Storage)

  • Realme 9 (4 GB RAM, 64 GB Storage)

  • Realme 8s 5G (8GB RAM, 128GB Storage)

  • Samsung Galaxy F23 (6 GB RAM, 128 GB Storage)

  • Redmi Note 10 Pro Max (6GB RAM, 128GB Storage)

You can get these mobile phones No Cost EMIs with the Bajaj Finserv EMI Network Card. 

Can I buy the best mobile phone under ₹20,000 on EMI without interest?

Yes, you can purchase your favourite mobile phone under ₹20,000 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. You can use this amount to purchase any smartphone of your choice and accessories that you may need from over 1.5 lakh Bajaj Finserv EMI partner stores.

Can I buy a mobile phone under ₹20,000 on EMI without a credit card?

Yes, you absolutely can purchase a smartphone under ₹20,000 without a credit card. The simple and most effective way to access No Cost EMIs is with a Bajaj Finserv EMI Network Card. This card comes with a pre-approved loan of up to ₹2 Lakhs and can be used to purchase over a million products at No Cost EMIs. 

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

The Bajaj Finserv EMI Network Card comes with a host of features and benefits that are sure to elevate your shopping experience. Here are some of the advantages of using the Bajaj Finserv EMI Network Card for your shopping needs:

  • Over a million products at No Cost EMI

  • Expansive network of 1.5 lakh partner stores across 4,000 cities 

  • Zero foreclosure charges 

  • Low processing fees 

  • Minimal down payment 

Can I get a discount while purchasing a mobile phone under ₹20,000?

Using the Bajaj Finserv EMI Network Card to make your smartphone purchase can help you get a good deal on your purchase. Firstly, you can convert your purchases into easy EMIs. This can help you manage your finances more efficiently. Secondly, partner stores often run sales during festive seasons. You can make your purchase during this period to get an even better deal!

Is it possible to purchase a mobile phone under ₹20,000 on No Cost EMI?

Yes, you can purchase smartphones on No Cost EMI with the Bajaj Finserv EMI Network Card. This EMI card lets you convert your big purchases into small monthly payments.

Is it a good idea to buy a mobile phone under ₹20,000 on EMI?

Purchasing your new mobile phone on EMI can be a great idea, particularly if you are on a tight budget. Consider opting for a No Cost EMI as it can help you save on interest payments. The Bajaj Finserv EMI Network Card is a great way to convert your big ticket purchases into easy EMIs. 

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