To help you find the best 5G mobile phones in the affordable segment, we have handpicked five models that have received excellent reviews from users and critics. With Bajaj Finserv Easy EMIs, you can buy your preferred model and split its price into instalments. Flexible repayment terms let you pay over a 3 month to 60 month period instead of making a large upfront payment. All you have to do is walk into any of the 1.5 lakh+ partner stores spread across 4,000+ cities.

By shopping from Bajaj Finserv partner stores, you can also enjoy perks like zero down payment on select models and instant approvals.

Best mobile phones under Rs. 20,000 in 2026

This list includes some of the best mobile phones under Rs. 20,000 that focus on performance and key hardware. You can compare their features and specifications to find the model that caters to your needs or demands.

1. Samsung Galaxy A35 5G

The Galaxy A35 5G features a premium design with a glass back and a floating camera setup. It also comes with Corning Gorilla Glass Victus+ protection, making it highly durable. At the back, it sports three cameras: a 50MP wide lens, an 8MP ultrawide sensor, and a 5MP macro lens, letting you capture crisp, highly detailed

images. Its improved NPU and enhanced sensor ensure even nightscapes and night portraits come out crystal-clear.

RAM	8GB LPDDR4X
Storage	128GB/256GB; expandable up to 1TB
Processor	Samsung Exynos 1380
Display	6.6-inch Full HD+ Super AMOLED display, 120 Hz refresh rate
Rear cameras	50MP wide (OIS) + 8MP ultrawide + 5MP macro
Front camera	13MP
Battery	5,000 mAh with 25W Super Fast Charging
OS	Android 14
Durability	IP67 dust and water resistance

2. realme P4 5G

One of the best 5G mobile phones in the affordable segment, the realme P4 5G features a dual-chip system consisting of a MediaTek Dimensity 7400 Ultra chip and a Hyper Vision AI chip. This results in responsive gaming and ultra-smooth performance. The smartphone houses a massive 7,000 mAh battery for all-day power but maintains a slim profile of just 7.58 mm.

RAM	6GB/8GB LPDDR4X
Storage	128GB/256GB UFS 3.1
Processor	MediaTek Dimensity 7400 Ultra 5G chipset
Display	6.77-inch Full HD+ 144 Hz HyperGlow AMOLED display
Rear cameras	50MP AI (main) + 8MP ultrawide
Front camera	16MP AI
Battery	7,000 mAh with 80W Ultra Charge
OS	realme UI 6.0 based on Android 15
Durability	IP65/IP66 dust and water resistance

3. CMF by Nothing Phone 2 Pro

One of the best mobile phones under Rs. 20,000, the CMF Phone 2 Pro is equipped with an incredible imaging system. The 50MP main camera is supported by a 50MP telephoto sensor and an 8MP ultrawide lens, and the True Lens Engine 3 optimises every image, resulting in studio-grade photos.

RAM	8GB LPDDR4X
Storage	128GB/256GB; expandable up to 2TB
Processor	MediaTek Dimensity 7300 Pro 5G
Display	6.77-inch Full HD+ Flexible AMOLED display, 120 Hz refresh rate, 3,000 nits peak brightness
Rear cameras	50MP main (EIS) + 50MP telephoto (EIS with 2x optical zoom) + 8MP ultrawide
Front camera	16MP
Battery	5,000 mAh with 33W fast charging
OS	Nothing OS 3.2 based on Android 15
Durability	IP54 dust and water resistance

4. vivo T4R

Currently priced a little over Rs. 20,000, the vivo T4R brings several flagship features to the sub-20,000 segment. It is one of the country’s slimmest quad- curved display phones, with a 7.39 mm slim profile that fits perfectly in your hand. To ensure unrivalled performance, you also get up to 12GB Extended RAM on top of

up to 12GB physical RAM, making this one of the best 5G mobile phones on the market.

RAM	8GB/12GB LPDDR4X
Storage	128GB/256GB UFS 2.2
Processor	MediaTek Dimensity 7400 5G (4 nm)
Display	6.77-inch Full HD+ AMOLED display, 120 Hz refresh rate, 1,800 nits peak brightness
Rear cameras	50MP Sony OIS (main) + 2MP bokeh
Front camera	32MP
Battery	5,700 mAh with 44W fast charging
OS	Funtouch OS 15 based on Android 15
Durability	IP68/IP69 dust and water resistance

5. motorola Edge 60 Fusion

Blending premium design and near flagship-grade features, the Edge 60 Fusion is undoubtedly one of the best mobile phones under Rs. 20,000. The PANTONE curated colours, quad-curve design, ultrathin glass fibre layers, and canvas or leather-inspired finish give this phone an elegant look and feel. The cameras are powered by moto AI, which fine-tunes colour and brightness for incredible, true-to- life captures.

RAM	8GB/12GB LPDDR4X
Storage	128GB/256GB UFS 2.2; expandable up to 1TB
Processor	MediaTek Dimensity 7400
Display	6.67-inch 1.5K pOLED quad-curved display, 120 Hz refresh rate, 4,500 nits HDR peak brightness
Rear cameras	50MP (OIS) + 13MP ultrawide + 3-in-1
	light sensor
Front camera	32MP
Battery	5,500 mAh with 68W TurboPower
OS	Android 15
Durability	IP68 dust and water resistance

How to choose the best mobile phone under Rs. 20,000

Here’s how you can narrow down the options while searching for the best mobile phone under Rs. 20,000:

• Performance: If you want a phone for streamlined performance, focus on the processor and Models like the Samsung Galaxy A35 5G and realme P4 5G are better suited for smoother multitasking, demanding app use, and long-term usability.
• Immersive display: For content viewing, prioritise display The motorola Edge 60 Fusion stands out if you want a more immersive screen for streaming, scrolling, and gaming.
• Long-lasting use: Battery life matters if you travel frequently or remain outdoors throughout the The vivo T4R and realme P4 5G are excellent options if long daily usage is a priority.
• Imaging system: If you click a lot of portraits, group shots, or photos for your social media channels, compare the main camera quality instead of just megapixel CMF Phone 2 Pro arguably has the best camera module in the segment.
• Design and software: Software and design can also influence daily experience. The CMF by Nothing Phone 2 Pro is a worthy contender if you prefer a cleaner interface and a more distinctive

How to buy mobile phones under Rs. 20,000 on Easy EMIs from Bajaj Finserv

While shopping at a Bajaj Finserv partner store, you can browse top-selling 5G mobile phones and buy your favourite model on Easy EMIs. This way, you can split the cost into affordable EMIs and pay in pocket-friendly instalments. Here’s how you can shop for the best mobile phones under Rs. 20,000:

1. Visit your nearest Bajaj Finserv partner
2. Browse available options and find the smartphone you
3. Check your eligibility for Easy EMIs at the
4. Choose your preferred repayment

Finalise the purchase and walk out with your new smartphone

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