The proverb “Too many cooks spoil the broth” holds true for various situations, but when it comes to competitive markets like India, it is, in fact, the opposite. While more competition essentially means better products and services for the consumers in almost all the industry segments, the smartphone market, in particular, is a beast unlike any other.
Until 2014, the Indian mobile phone market was dominated by the South Korean conglomerate Samsung, with the juggernaut ruling the market almost unopposed. While local brands like Karbonn and Micromax did put up a fight, they were never truly going to usurp Samsung, which is one of the biggest global electronic brands, period.
However, the smartphone landscape changed completely, with Chinese manufacturers entering the highly volatile Indian market. Not only were they able to get rid of the stigma that was appended to Chinese products, but they managed to challenge the previously-uncontested Samsung. Today, Xiaomi, for all intents and purposes is the leading smartphone brand in the country, closely followed by Samsung, Oppo, Vivo, and Realme.
Thus, if you had to shop for a new smartphone, not only will you be spoilt for choice, but you might actually be left in limbo, as there are excellent options in every price segment. To make things relatively easy, we have curated a list of the top ten smartphone models you can opt for, which cost less than Rs. 20,000.
Xiaomi Redmi Note 10 Pro Max
Flaunting the state-of-the-art 108MP primary rear camera, 120Hz Super AMOLED display, and 6GB RAM, the Redmi Note 10 Pro Max, which is one of the newest launches, is arguably the best smartphone that is priced less than Rs. 20,000. It also comes with 128GB internal storage, which can be expanded up to 512GB by using a microSD card.
Vivo S1 Pro
One of the best Vivo phones under 20000 INR, Vivo S1 Pro deserves a spot on this list. It packs 8GB RAM and 128GB internal storage, and is powered by the Qualcomm Snapdragon 665 octa-core processor, which ensures that the smartphone performs commendably. One of the best attributes of this device is the diamond-shaped quad-rear cameras, which render this mobile elegant and chic.
Xiaomi Poco X3
This 6000mAh battery mobile phone might not be the most recently launched smartphone, but it still remains one of the most popular models. It comes with a 64MP quad-rear camera set-up, and packs 6GB RAM. With a 6.67-inch 120Hz IPS LCD panel, it offers an immersive viewing experience, and houses an impressive 20MP selfie camera to boot.
Realme 8 Pro
Realme 8 Pro is yet another awe-inspiring device that is offered for less than Rs. 20,000. Similar to Redmi Note 10 Pro Max, this model also packs a 108MP primary rear camera, and boasts of an 8GB RAM. It sports a 6.4-inch Full HD+ Super AMOLED display, and is powered by the Qualcomm Snapdragon 720G octa-core processor.
Realme Narzo 20 Pro
Catering to the increasing number of mobile gamers in the country, Realme’s Narzo 20 Pro smartphone costs less than Rs. 15,000, but packs some serious punch. It is powered by the gaming-centric MediaTek Helio G95 chipset, and comes with the Super Dart Charging feature, which powers up the mobile phone in no time.
Samsung Galaxy M31s
Another 6,000mAh battery mobile phone in the mix, Galaxy M31s is one of Samsung’s best budget offerings. Similar to pricier Samsung phone variants, this device sports a Super AMOLED display, and houses a 64MP quad-rear camera array, along with an impressive 32MP selfie camera. These features also make it one of the best mobile phones at its price point.
Xiaomi Poco M3
Powered by the Qualcomm Snapdragon 662 SoC, and with a dedicated Adreno 610 GPU, Poco M3 is yet another stunning smartphone from the brand. The 6,000mAh battery mobile phone also comes with 18W fast charging support, which guarantees that the phone will be charged back up to 100% in a quick time.
Vivo V20 SE
Yet another contender in the best Vivo mobiles under 20,000 INR discussion, Vivo V20 SE packs everything you would get in a premium smartphone model -- 8GB RAM, 6.44-inch Full HD+ AMOLED display, 48MP quad-rear camera set-up, and a 32MP front shooter, which lets you capture captivating and mesmerizing selfie images.
Redmi Note 9 Pro
Housing a Qualcomm Snapdragon 720G chipset, Note 9 Pro is one of the most powerful devices on this list. It also comes with the Adreno 618 GPU, which makes it one of the best gaming phones at this price point.
Realme X7
The last mobile phone on this list is the Realme X7, which packs 6GB RAM, and houses a 64MP quad-rear camera array. It is powered by the MediaTek Dimensity 800U chipset, and also houses the Mali G57 GPU, and thus offers an immersive gaming experience.
You can purchase the phone that you like from this list by shopping at the Bajaj Finserv EMI Store. India’s first EMI-only online platform, the EMI Store offers mobile phones at discounted prices, and with exciting new offers and deals. Additionally, by using the Bajaj Finserv EMI Network Card, you can purchase your favorite device at no-cost EMIs.
