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Buy Some of the Latest Mobile Phones Under ₹20,000 on EMI 

Shopping for a new smartphone on a limited budget can be quite challenging. Fortunately, there are many powerful and feature-rich mobile phones under ₹20,000 in India that you can consider for your next purchase. Almost all the major smartphone manufacturers in the country like Samsung, Vivo, Xiaomi, Oppo, and realme offer multiple mid-range smartphones below ₹20,000. 


And with the Bajaj Finserv EMI Network Card, you don’t have to pay the entire amount upfront. Instead, you can choose to purchase your favourite mobile phones under ₹20,000 on EMI without making any down payment. That’s not all. You may even be eligible for no-cost EMI offers or exciting discounts, which can sweeten the deal even further.  

Top 10 Best Selling Mobile Phones Under ₹20,000 to Buy in India

  • 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.

  • OPPO F19s (6GB RAM, 128GB Storage)

The OPPO F19s is equipped with the mighty Qualcomm Snapdragon 662 processor, making it a great phone in this price segment. This model has a 6.43-inch AMOLED display, 48MP main camera and 5000 mAh battery, making it one of the best phones under ₹20,000 in India.

  • Vivo Y20A (3GB RAM, 64GB Storage)

The Vivo Y20A features a 6.51 inch Halo FullView Display with a built-in Eye Protection Mode that filters out harmful blue light. It also has some clever features, such as the Side-Mounted Fingerprint Scanner and Face Wake, which instantly unlock your phone. The 5000 mAh battery provides you with 16 hours of video streaming, and the reverse charging feature covers the battery needs of your other devices in case of emergencies.

  • Oppo A54 (6GB RAM, 128GB Storage)

The Oppo A54 features a 16MP Selfie camera and an AI-powered triple-rear camera, making it one of the best camera phones under Rs.20,000. It has tremendous processing power with an octa-core MediaTek Helio P35 processor and 6GB RAM. A 5000 mAh battery and 18W fast charge ensure you never run out of power when you need it most.

  • Infinix Zero (8 GB RAM, 128 GB Storage)

By far, the Infinix Zero 5G is the most stylish phone below Rs 20,000. The MediaTek Dimensity 920 SoC has great hardware specifications in terms of performance. However, only a few phones in this price range can compare to how this phone feels in your hand.

Advantages of Using the Bajaj Finserv Emi Network Card to Buy Mobile Phones Under ₹20,000

  • You get pre-approved offers on Bajaj Finserv partner stores

  • Only minimal documentation is needed when you apply for EMI Network Card

  • The Bajaj Finserv EMI Network Card offers a pre-approved loan of up to Rs.2 lakhs.

  • Buy mobile phones under Rs.20,000 on EMI with minimal or no down payment.

How to Use the EMI Network Card to Buy Mobile Phones Under ₹20,000

The Bajaj EMI Network Card lets you convert purchases into equated monthly instalments (EMIs) using a pre-approved loan that you can repay easily and conveniently. There are also exciting offers and discounts when you use the EMI Card.


To use the card to purchase a mobile phone online, all you have to do is:


  • Step 1: Add the phone to the cart

  • Step 2: Click on the pay through EMI option

  • Step 3: Select Bajaj Finserv EMI Network Card payment option

  • Step 4: To complete the verification process, share the OTP sent to your registered mobile number. Your order will be placed now.

Apply for a Bajaj Finserv EMI Network Card now to enjoy the offers and discounts. Visit the official website to check for your Bajaj Finserv EMI Network Card eligibility. 

FAQs on Mobile Phones Under ₹20,000 on EMI

You can apply for a Bajaj Finserv EMI Network Card by visiting the Bajaj Markets website. Scroll down and click on the EMI Card option. Then, click the ‘Apply Now’ button and enter all the relevant details. Complete the verification process and proceed to activate your EMI Card. If you have any queries, you can always call the Bajaj Finserv customer care helpline to get them answered.

Yes, you can opt for the no-cost option on mobile phones under Rs.20,000 with the Bajaj EMI Card.

Yes, you may be eligible for discounts and pre-approved offers when you purchase a mobile phone using an EMI Network Card.

Several powerful mid-range smartphones are available for less than ₹20,000. The Vivo T2 5G, OnePlus Nord CE 3 Lite 5G, Motorola Moto G72, and iQOO Z7 5G are a few popular models that you can purchase in this price range.

Yes. You can purchase the latest mobile phones under ₹20,000 on EMI at no extra cost with the Bajaj Finserv EMI Network Card.

With the Bajaj Finserv EMI Network Card, you can purchase mobile phones under ₹20,000 on EMI without submitting any paperwork. All you need to do is select ‘Bajaj Finserv EMI Network Card’ at the time of payment, enter the card details, select the tenure and make the payment.

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