6 Best Mobile Phones Under ₹20000 in India for 2024 - Buy with No Cost EMI
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27 MAY, 2024

The smartphone market in India has witnessed tremendous growth and evolution in recent years. India is one of the largest and fastest-growing smartphone markets globally, driven by factors such as increasing digital trends, affordability, and a growing young population. If you are wondering “which phone is best under 20000”, you would feel peace in knowing that there are a diverse range of smartphones catering to various price segments and preferences that flood the market. Leading global and domestic brands consistently introduce new models with advanced features, competitive pricing, and innovative marketing strategies to capture the attention of Indian consumers.

Mobile price influences the purchasing decisions of Indian consumers. In a country with diverse economic backgrounds, the availability of budget-friendly smartphones is instrumental in ensuring that a larger segment of the population can access and benefit from the latest technology.

Flexible payment options, such as Credit Card offer No Cost EMI, play a pivotal role in making high-quality smartphones more attainable. These payment plans allow consumers to spread the cost of their smartphone purchases over time, eliminating the need for a substantial upfront payment. This is particularly relevant in a market where a significant portion of consumers may prefer installment-based payment structures.

Credit Card with No Cost EMI options provide financial flexibility and enable individuals to stay updated with the latest technological advancements without straining their budgets. Mobile credit card offers not only enhance the overall smartphone ownership experience but also contribute to the continued growth and dynamism of the Indian smartphone market. So, in this blog, let us have a look at the best phones below 20000 in India.

Top 6 best mobile under 20000 to buy (2024)

1. Samsung

Samsung, a global technology giant, is renowned for its diverse range of electronics and appliances. From smartphones to smart TVs, Samsung consistently delivers cutting-edge technology and sleek design. The Galaxy series, featuring high-end models like the Galaxy S and Note, showcases innovative features such as impressive cameras and vibrant displays. Samsung's commitment to quality and innovation has solidified its position as a leader in the tech industry, offering consumers a seamless integration of devices through their interconnected ecosystem.

Samsung Galaxy M32

Feature

Specification

Display

6.4-inch Super AMOLED, 1080 x 2400 pixels

Processor

MediaTek Helio G80

RAM/Storage

4GB/64GB, 6GB/128GB

Camera

64MP + 8MP + 2MP + 2MP quad-camera setup

Battery

6000mAh, 25W fast charging

2. OnePlus

OnePlus has emerged as a flagship killer, delivering premium smartphones at competitive prices. Known for its "Never Settle" philosophy, OnePlus devices boast top-tier specifications, including powerful processors and high-refresh-rate displays. The company has cultivated a loyal fan base by prioritizing user feedback, providing a near-stock Android experience, and regularly updating its devices. OnePlus continually pushes boundaries with features like Warp Charging and Hasselblad-tuned cameras, reinforcing its commitment to delivering an exceptional user experience without the hefty price tag often associated with flagship smartphones.

OnePlus Nord CE 5G

Feature

Specification

Display

6.43-inch Fluid AMOLED, 1080 x 2400 pixels

Processor

Qualcomm Snapdragon 750G

RAM/Storage

6GB/128GB, 8GB/128GB, 12GB/256GB

Camera

64MP + 8MP + 2MP triple-camera setup

Battery

4500mAh

3. Oppo

Oppo, an electronics manufacturer, has gained global recognition for its stylish and innovative smartphones. Focused on camera technology, Oppo's devices often feature cutting-edge imaging capabilities, catering to photography enthusiasts. The Find X series, with its motorized pop-up cameras, and the Reno series, known for sleek designs, exemplify Oppo's commitment to pushing design and technology boundaries. The brand's dedication to delivering premium aesthetics and advanced camera systems has positioned it as a contender in the competitive smartphone market.

OPPO F19 Pro+

Feature

Specification

Display

6.43-inch AMOLED, 1080 x 2400 pixels

Processor

MediaTek Dimensity 800U

RAM/Storage

8GB/128GB

Camera

48MP + 8MP + 2MP + 2MP quad-camera setup

Battery

4310mAh

4. Vivo

Vivo, another smartphone manufacturer, has carved a niche for itself by emphasizing innovation in design and camera technology. The Vivo X series and V series showcase sleek and stylish designs, often incorporating unique features like pop-up selfie cameras. Vivo places a strong emphasis on photography, integrating advanced camera systems with AI enhancements for stunning visuals. The brand's commitment to pushing the boundaries of smartphone design and imaging technology has garnered attention in the crowded market, particularly appealing to users who prioritize aesthetics and camera performance.

Vivo V21e

Feature

Specification

Display

6.44-inch AMOLED, 1080 x 2400 pixels

Processor

MediaTek Dimensity 800U

RAM/Storage

8GB/128GB

Camera

64MP + 8MP + 2MP triple-camera setup

Battery

4000mAh

5. Redmi 11 Prime

Redmi, a sub-brand of Xiaomi, is known for offering budget-friendly smartphones without compromising on features. The Redmi 11 Prime, part of the popular Redmi series, combines affordability with decent specifications. Featuring a capable camera setup, a vibrant display, and a large battery, the Redmi 11 Prime caters to users seeking reliable performance without breaking the bank. Xiaomi's consistent focus on providing value for money has made the Redmi series a popular choice in the entry-level and mid-range smartphone segments.

Redmi 11 Prime 5G

Feature

Specification

Display

6.58-inch FHD+ display, 2040 x 1080

Processor

MediaTek Dimensity 700, Octa-core CPU up to 2.2GHz, ARM Mali-G57 MC2 GPU

RAM/Storage

LPDDR4X + UFS2.2, 4+64GB, 6+128GB, Expandable storage up to 512GB

Camera

Rear: 50MP main camera (f/1.8), 2MP depth camera (f/2.4)

Battery

5000mAh (typ), 18W fast charging, 22.5W in-box charger

6. Realme

Realme, has rapidly gained prominence for delivering affordable yet feature-packed devices. Known for its aggressive pricing and cutting-edge technology, Realme caters to a diverse audience. With a focus on performance and stylish designs, Realme smartphones often boast impressive cameras, powerful processors, and high-quality displays, making them popular in the mid-range segment.

Realme 7 Pro

Feature

Specification

Display

6.4-inch Super AMOLED, 1080 x 2400 pixels

Processor

Qualcomm Snapdragon 720G

RAM/Storage

6GB/128GB, 8GB/128GB

Camera

64MP + 8MP + 2MP + 2MP quad-camera setup

Battery

4500mAh, 65W fast charging

Buy Mobile Phone under 20,000 on CREDIT CARD No Cost EMI

Kotak Credit Card offers a No Cost EMI option for hassle-free mobile purchases on top ecommerce sites like Amazon and Flipkart. With minimum Rs 5,000 transactions, enjoy EMI tenures of 3 to 12 months, saving up to Rs. 8,000 on selected phone brands. This feature allows flexible, interest-free monthly payments. Simply choose your product, review EMI plans, and pay with your Kotak Credit Card at checkout.

No Cost EMI on Flipkart and Amazon lets you acquire phones under Rs 20,000 without upfront Credit card payments. Eligibility criteria may vary, ensuring affordable monthly installments and repayment flexibility. Enjoy additional perks like cashback, discounts, and reward points from credit card providers, enhancing overall value for users.

Phone Brand

Cashback Offer

Samsung

Up to Rs 8000 Cashback

Xiaomi

Upto Rs 1000 Cashback

Techno

Up to Rs 2000 Cashback

Vivo

Up to Rs 6000 Cashback

Conclusion

Finding the perfect mobile phone offer under ₹20,000 is easier than it seems. What makes it even better is the availability of Credit Card No Cost EMI options, making these gadgets more affordable. With convenient payment plans, like those offered by Kotak Credit Card, staying up-to-date with the latest technology becomes a breeze. These budget-friendly smartphones not only offer great value for money but also ensure that advanced features are accessible to everyone. So, go ahead and make your tech-savvy choice without worrying about breaking the bank!

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Disclaimer: This Article is for information purposes only. The views expressed in this Article do not necessarily constitute the views of Kotak Mahindra Bank Ltd. (“Bank”) or its employees. The Bank makes no warranty of any kind with respect to the completeness or accuracy of the material and articles contained in this Article. The information contained in this Article is sourced from empaneled external experts for the benefit of the customers and it does not constitute legal advice from the Bank. The Bank, its directors, employees and the contributors shall not be responsible or liable for any damage or loss resulting from or arising due to reliance on or use of any information contained herein. Tax laws are subject to amendment from time to time. The above information is for general understanding and reference. This is not legal advice or tax advice, and users are advised to consult their tax advisors before making any decision or taking any action.