Best Phones under 20000
Looking for the best mobile phones below INR 20000 in India? Explore the latest smartphones from various brands and buy them on EMI without credit card using ZestMoney credit limit.
Today, there are so many smartphone options available in the market. You have smartphones ranging from as low as Rs 1000 all the way up to 1 Lakh. But you don’t need to spend a lot of money to get a phone with high-end features. If you are looking for the best phone under 20000, you’ll be surprised to see how many wonderful options you have to choose from! All top brands such as Samsung, Mi, Vivo, Oppo and others offer excellent Android phones below 20000.
Many of these top brands offer no-cost EMI options on their phones across several e-commerce sites, making it even easier for you to buy a budget smartphone. Here is a comprehensive list of the best mobiles under 20,000 to help you choose wisely and purchase a dream smartphone of your choice.
1. Poco X2
The Poco X2 powered by Xiaomi is a powerful device and one of the best gaming phones under 20000. It has a high-resolution display, seamless user interface and an excellent camera.
Here’s why the Poco X2 should be in your cart:
Price: Rs. 16,999* on Flipkart
Release Date: Feb 11, 2020
Pros:
- Excellent camera
- Good for gaming
- Good battery life
Cons:
- Bulky design
- Low light video isn’t great
Specs:
- 6.67-inch display (1080 x 2400 )
- Qualcomm Snapdragon 730G Processor
- 20MP + 2MP Front Camera & 64MP + 2MP + 8MP + 2MP rear camera
- 6GB RAM + 64GB storage
- 4500mAh battery
- Android 10 OS
Customer Rating: 4.5 on Flipkart
Buy it here
2. Realme 6 Pro
The Realme 6 Pro is a mid-range budget smartphone by Realme, powered by Oppo. It runs on a powerful processor, has a quad-camera set-up, large screen and an excellent HD display. The Realme 6 Pro is one of the best Realme phones under 20000 and certainly one of the best phones under 20000 too.
Here’s why it’s so attractive to so many users:
Price: Rs. 17,999* on Croma
Release Date: March 13, 2020
Pros:
- Good sleek design
- Good camera
- Long battery life
Cons:
- Bloatware
- Low light camera is average
Specs:
- 6.60-inch display (1080 x 2400 )
- Qualcomm Snapdragon 720G Processor
- 16MP + 8MP Front Camera & 64MP + 8MP + 12MP + 2MP rear camera
- 6GB RAM + 64GB storage
- 4300mAh battery
- Android 10 OS
Customer Rating: 4.5 Stars on Croma
Buy it here
3. Samsung Galaxy M31
Samsung has yet another impressed us with the new Galaxy M31, undoubtedly one of the best Samsung phones under 20000. This flagship Samsung mobile is a powerhouse with a great camera, long battery life, super AMOLED display supporting 4KHDR and the latest Android OS.
Here’s why it’s an absolute steal:
Price: Rs. 15,999* on Amazon
Release Date: March 4, 2020
Pros:
- High definition AMOLED display
- Excellent battery life
- Fast processor
Cons:
- Low light camera performance is average
- Spam notifications
Specs:
- 6.40-inch display (1080 x 2340 )
- Samsung Exynos 9611 Processor
- 32MP + 8MP Front Camera & 64MP + 8MP + 5MP + 5MP rear camera
- 6GB RAM + 128GB storage
- 6000mAh battery
- Android 10 OS
Customer Rating: 4.3 stars on Amazon
4. Realme X2
The Realme X2 is a first of its kind with the first Android phone under 20000 to be powered by the Qualcomm Snapdragon 730G SoC. So, if you’re looking for the best phone under 20000, looking no further.
Here’s what makes the Realme X2 so unique:
Price: Rs. 18,990* on Amazon
Release Date: 20 December, 2019
Pros:
- Stylish design and good build
- Good camera performance
- Superfast charging
Cons:
- Low light camera can be better
- Video quality can be improved
Specs:
- 6.40-inch display (1080 x 2340 )
- Qualcomm Snapdragon 730G
- 32MP front camera & 64MP + 8MP + 8MP + 2MP rear camera
- 4GB RAM + 64GB storage
- 4000mAh battery
- Android 9 OS
Customer Rating: 4 stars on Amazon
5. Samsung Galaxy A50S
If you’re looking for a Samsung phone below 20000, the Galaxy A50S is a fantastic option to consider. The Galaxy A50S has an Infinity U Display, triple rear camera, powerful battery and seamless UI.
Here’s what makes it one of the best mobiles under 20000:
Price: Rs. 18,570* on Flipkart
Release date: 11 September 2019
Pros:
- Excellent display
- Good daylight camera
- Good battery life
Cons:
- Average low light camera performance
- Design is not very stylish
Specs:
- 6.40-inch display (1080 x 2340 )
- Samsung Exynos 9611
- 32MP front camera & 48MP + 5MP + 8MP rear camera
- 4GB RAM + 128GB storage
- 4000mAh battery
- Android 9 OS
Customer ratings: 4.3 on Flipkart
6. Poco F1
Poco powered by Xiaomi is one of the most popular smartphone brands today. The Poco F1 is the first of its kind in India and it has much to offer. It has a fast processor, good battery life, good camera and an HD display, making it one of the best smartphones under 20000.
Here’s what makes it cart-worthy:
Price: Rs. 18,599* on Amazon
Release date: 22 August 2018
Pros:
- Good battery life
- Good design
- Good memory
Cons:
- Older Android OS
- No 4K HDR support
Specs:
- 6.18-inch display (1080 x 2246 )
- Qualcomm Snapdragon 845
- 20MP front camera & 12MP + 5MP rear camera
- 6GB RAM + 128GB storage
- 4000mAh battery
- Android 8.1 OS
Customer ratings: 4.2 on Amazon
7. Asus Zenfone 5Z
Asus stepped up its competitive edge by releasing the powerful Zenfone 5Z. This is one of the best smartphones under 20,000 because of its stylish design, octa-core high-speed processor, excellent camera and gaming capabilities.
If you’re specifically looking for an Asus phone below 20000, this is it.
Price: Rs. 13,949* on Flipkart
Release date: 3 July, 2019
Pros:
- Stylish, solid design
- Good camera performance
- Good battery life
Cons:
- Not splash resistant
- Old Android OS
Specs:
- 6.20-inch display (1080 x 2246 )
- Qualcomm Snapdragon 845
- 8MP front camera & 12MP + 8MP rear camera
- 4GB RAM + 64GB storage
- 3300mAh battery
- Android 8.0 OS
Customer Ratings: 4.5 on Flipkart
8. Xiaomi Redmi Note 9 Pro Max
The Redmi Note 9 Pro Max is another great smartphone as part of the Redmi series. The Note 9 Pro Max is a high end but affordable and one of the best smartphones under 20000. It’s smooth AMOLED display makes it great for streaming. It is supported by super-fast charging and seamless user experience.
Here’s why it is one of the top 10 phones under 20000:
Price: Rs. 16,499* on Mi store
Release date: 11 March 2020
Pros:
- Excellent phone for gaming and streaming
- Good camera performance
- Fast, smooth processor
Cons:
- Older Android OS
- Sub-par battery life
Specs:
- 6.67-inch display (1080 x 2400 )
- Qualcomm Snapdragon 720G
- 32MP front camera & 64MP + 8MP + 5MP + 2MP rear camera
- 4GB RAM + 64GB storage
- 3300mAh battery
- Android 8.0 OS
Customer Rating: 4.5 on Amazon
9. Vivo Z1X
If you’re wondering what makes a Vivo phone so popular, take a look at the Z1X. The Vivo Z1X is the embodiment of all things good. With an excellent camera performance, super HD display, smooth UI and excellent battery life, the Z1X is one of the best Vivo phones under 20000 and also one of the best camera phones below 20000.
Here are the specs:
Price: Rs. 16,990* on Flipkart
Release date: 13 September 2019
Pros:
- Excellent, fast performance
- Long battery life
- Excellent camera
Cons:
- Bulky design
- No expandable memory
Specs:
- 6.38-inch display (1080 x 2340 )
- Qualcomm Snapdragon 712
- 32MP front camera & 48MP + 8MP + 2MP rear camera
- 6GB RAM + 64GB storage
- 4500mAh battery
- Android 9 OS
Customer Rating: 4.4 on Flipkart
10. Oppo K3
Oppo is a very popular smartphone brand in India. Oppo K3 is the latest budget smartphone released by Oppo and is one of the best phones under 20000 in India today. It’s stylish design coupled with AMOLED display and VOOC flash charge 3.0 makes it a coveted choice among technology enthusiasts.
Here’s why you need to add it to your cart:
Price: Rs. 18,519* on Amazon
Release date: 23 July 2019
Pros:
- Excellent design
- Sharp OLED display
- Good camera
Cons:
- Slightly large phone
- Non-expandable memory
Specs:
- 6.50-inch display (1080 x 2340 )
- Qualcomm Snapdragon 710
- 16MP front camera & 16MP + 2MP rear camera
- 8GB RAM + 64GB storage
- 3765mAh battery
- Android 9 Pie OS
Customer Rating: 4.3 on Amazon
11. Nokia 8.1
If you’re looking for the best battery phone under 20000, look no further than Nokia. The Nokia 8.1 is a solid device that has an Android One interface, which delivers a smooth, streamlined user experience. Its powerful battery life makes it one of the best smartphones under 20000.
Here’s why you should buy it:
Price: Rs. 16,856* on Croma
Release Date: 20 December 2018
Pros:
- Android One OS
- Excellent battery life
- Solid design
Cons:
- Average low light camera
- Video quality is average
Specs:
- 6.18-inch display (1080 x 2244)
- Qualcomm Snapdragon 710
- 20MP front camera & 12MP + 13MP rear camera
- 4GB RAM + 64GB storage
- 3500mAh battery
- Android 9 Pie OS
Customer Rating: 4.1 on Croma
12. Samsung Galaxy M40
The Galaxy M-Series is one of Samsung’s most popular smartphone series. It focuses on high-end quality and low pricing, making it the perfect choice for those looking for the best phone under 20000.
The Galaxy M40 boasts a sharp HD display, good gaming support and high-speed performance.
Here’s why it should be on your list:
Price: Rs. 18,290*
Release date: 18 June 2019
Pros:
- Modern design and sharp display
- Goof battery life
- Good gaming phone
Cons:
- Average camera performance in low light
- No headphone socket
Specs:
- 6.30-inch display (1080 x 2340)
- Qualcomm Snapdragon 675
- 16MP front camera & 32MP + 5MP + 8MP rear camera
- 6GB RAM + 128GB storage
- 3500mAh battery
- Android 9 Pie OS
Customer Rating: 4.2 on Flipkart
13. Realme 3 Pro
Realme, powered by Oppo has really picked up the pace in the last two years. The Realme 3 Pro is a delightful entry into the smartphone market. If you’re specifically looking for an Oppo or Realme phone, the Realme 3 Pro is one of the best Realme phones under 20000. Here’s why:
Price: Rs. 15,999*
Release Date: 29 April 2019
Pros:
- Excellent battery life
- Powerful SoC
- Good camera performance
Cons:
- No Type-C USB port
- Average low light camera performance
Specs:
- 6.30-inch display (1080 x 2340)
- Qualcomm Snapdragon 710
- 25MP front camera & 16MP + 5MP rear camera
- 6GB RAM + 128GB storage
- 3500mAh battery
- Android 9 Pie OS
Customer Rating: 4.5 on Flipkart
14. Redmi-Note-8-Pro
The Redmi Note 8 Pro is a fantastic release by Xiaomi. The Note series has impressed customers so far and the Note 8 is no disappointment. With a stellar camera, high performance and affordable price, the Note 8 Pro is one of the best Mi phones below 20000.
Here’s why it’s such a popular choice:
Price: Rs. 15,999* on Mi website
Release Date: 21 October 2019
Pros:
- Great performance overall
- Excellent camera
- Stylish solid build
Cons:
- Average video quality in low light
- Gets heated while gaming
Specs:
- 6.53-inch display (1080 x 2340)
- MediaTek Helio G90T
- 20MP front camera & 64MP + 8MP + 2MP + 2MP rear camera
- 6GB RAM + 64GB storage
- 4500mAh battery
- Android 9 Pie OS
Customer Rating: 4.4 on Amazon
15. Vivo S1 Pro
The Vivo S1 Pro is a great option if you’re searching for the best Vivo phone under 20000. It is power-packed with an excellent camera, good battery life and a beautiful display.
Here are the specs:
Price: Rs 18,999* on Flipkart
Release date: 04 January 2020
Pros:
- Stylish design
- Excellent selfie camera
- Long battery life
Cons:
- Slight bloatware
- Hybrid SIM slot
Specs:
- 6.38-inch display (1080 x 2340)
- Qualcomm Snapdragon 665
- 32MP front camera & 48MP + 8MP + 2MP + 2MP rear camera
- 6GB RAM + 64GB storage
- 4500mAh battery
- Android 9 Pie OS
Customer Rating: 4.4 on Flipkart
Here is a summary of the best phones under 20000 in the market right now:
| NAME | MODEL | PRICE* | RELEASE DATE |
| Xiaomi | Poco X2 | Rs. 16,999 | 11/02/2020 |
| Realme | Realme 6 Pro | Rs. 17,999 | 13/03/2020 |
| Samsung | Galaxy M31 | Rs. 15,999 | 4/03/2020 |
| Realme | Realme X2 | Rs. 18,990 | 20/12/2019 |
| Samsung | Galaxy A50S | Rs. 18 570 | 11/09/2019 |
| Poco | PocoF1 | Rs. 18,599 | 29/08/2018 |
| Asus | Zenfone 5Z | Rs. 16,999 | 09/07/2019 |
| Xiaomi | Redmi Note 9 Pro Max | Rs. 16, 499 | 11/03/2020 |
| Vivo | Vivo Z1X | Rs. 16,990 | 13/09/2019 |
| Oppo | Oppo K3 | Rs. 18,519 | 23/07/2019 |
| Nokia | Nokia 8.1 | Rs. 16,856 | 20/12/2018 |
| Samsung | Galaxy M40 | Rs. 18,290 | 18/06/2019 |
| Realme | Realme 3 Pro | Rs. 16,999 | 29/04/2019 |
| Xiaomi | Redmi Note 8 Pro | Rs. 15,999 | 21/10/2019 |
| Vivo | Vivo S1 Pro | Rs. 18,999 | 04/01/2020 |
Now that you have gone through this comprehensive list, the next step is to go ahead and buy the best mobile phone under 20000. You can do this using ZestMoney! You can avail ZestMoney across all our major partner websites as well as in your nearest physical electronics store such as Croma and Sangeetha.
How to buy a phone with ZestMoney EMI?
Signup for ZestMoney credit limit
Signing up for a ZestMoney credit limit is very simple. Just verify your mobile number and you’re good to go!
Activate your credit limit
Complete your profile, submit the required KYC documents and set up your repayment to activate your credit limit.
Decide preferred partner to buy a phone
You can use your ZestMoney credit limit on Amazon, Flipkart, Mi or 1000+ merchant partners to buy a phone.
Choose the best EMI plan
Select ZestMoney EMI as your payment method at preferred partner, you can choose the EMI plan as per your convenience.
Congrats, your EMI is approved
Your EMI plan will be approved and your order will be placed successfully. Partner will ship your product to you as per their delivery policy.
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* Note: The prices mentioned here are indicative and may change based on offers and promotions by individual sellers. Kindly check the final price on the seller page before purchase. You can use ZestMoney for buying your mobile on EMI at our merchant partners like Flipkart, Amazon, Mi, Paytm, Croma, etc.