Best phones under Rs 20,000 in India for September 2021

The smartphones under Rs 20,000 segment is one of the most crowded segments in India after the under Rs 15,000 segment. The phones in this segment are now more competitive than ever. 

We are seeing phones with 5G, high refresh rate, great cameras,  fast charging, powerful performance in the sub Rs 20,000 segment now which otherwise was reserved for only flagship phones in India

From the past couple of years, we’ve seen companies trying to fill the bridge the gap between two segments with smart software implementations. And, thanks to the powerful SoCs from Qualcomm especially the 7 series, the segment has gotten better in terms of performance.  

The list of the best value for money phones under Rs 20,000 offers a good display, a big battery with fast charging, great camera performance, and more. We are also seeing high refresh rate displays trickle down to this segment. We also now have extremely fast charging phones in this segment.  

Selecting a phone can still be a challenging task despite the plethora of options. While some companies may have the best specs on paper in a given price range, the lack of software optimization can make those phones a poor option when compared to others. We have tested multiple phones in the segment and here we have priced 8 phones priced under Rs 20,000 market in India that are with spending your money right now. 

In this guide, we have listed some of the best value for money smartphones available under Rs 20,000 in India. In case you'd like to explore the adjoining price segments, you can also check out our other compilations.

What to expect from a Rs 20,000 phone 

  • Performance like never before
  • High refresh rate screen
  • AMOLED display
  • Big battery and fast charging
  • Versatile camera setup
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Redmi Note 10 Pro Max review

(Image credit: Aakash Jhaveri)
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Redmi Note 10 Pro Max review

(Image credit: Aakash Jhaveri)
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Redmi Note 10 Pro Max review

(Image credit: Aakash Jhaveri)
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Redmi Note 10 Pro Max review

(Image credit: Aakash Jhaveri)
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Redmi Note 10 Pro Max review

(Image credit: Aakash Jhaveri)
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Redmi Note 10 Pro Max review

(Image credit: Aakash Jhaveri)
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Redmi Note 10 Pro Max review

(Image credit: Aakash Jhaveri)
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Redmi Note 10 Pro Max review

(Image credit: Aakash Jhaveri)

Redmi Note 10 Pro Max

Umpteen upgrades

Display: 6.67-inch FHD+, AMOLED, 120Hz | Processor: Snapdragon 732G | RAM: 6/8GB | Storage: 64/128GB | Battery: 5020mAh, 33W charging | Rear camera: 108MP+8+5+2MP | Front camera: 16MP | OS: Android 11, MIUI 12 | Weight: 193g | Thickness: 8.1mm

Lovely 120Hz AMOLED display
Reliable battery life
Great cameras
Stereo speakers
Relatively slow charging
Inconsistent secondary camera
No 5G

It’d be a surprise not to see a Redmi Note series in the best budget phone category. The series has played an instrumental role in building the segment in India over the past few years and the Redmi Note 10 Pro Max is the latest addition to the list with impressive specs and equally impressive performance. 

It brings competitive features such as an AMOLED display with a high refresh rate, a 108MP quad-camera stack, great battery life and fast charging. While the phone lacks 5G capabilities, the chipset performs reasonably well for most day to day tasks.

For those who don’t want a 108MP camera, the Redmi Note 10 Pro with a 64MP camera is available for Rs 3,000 less. Apart from the primary camera, everything else remains the same on both phones. 

Read our Redmi Note 10 Pro Max review

Redmi Note 10 Pro Max Redmi Note 10 Pro
6+64GB Rs 18,999 Rs 15,999
6+128GB Rs 19,999 Rs 16,999
8+128GB Rs 21,999 Rs 18,999
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Poco X3 Pro

(Image credit: Srivatsa Ramesh)
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Poco X3 Pro

(Image credit: Srivatsa Ramesh)
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Poco X3 Pro

(Image credit: Srivatsa Ramesh)
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Poco X3 Pro

(Image credit: Srivatsa Ramesh)
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Poco X3 Pro

(Image credit: Srivatsa Ramesh)
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Poco X3 Pro

(Image credit: Srivatsa Ramesh)
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Poco X3 Pro

(Image credit: Srivatsa Ramesh)
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Poco X3 Pro

(Image credit: Srivatsa Ramesh)
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Poco X3 Pro

(Image credit: Srivatsa Ramesh)

Poco X3 Pro

New ingredients, same recipe

Display: 6.67" FHD+, LCD, 120Hz | Processor: Snapdragon 860 | RAM: 6/8GB | Storage: 128GB | Battery: 5160mAh, 33W | Rear camera: 48+8+2+2MP | Front camera: 20MP | OS: Android 11, MIUI 12 | Weight: 213g | Thickness: 9.4mm

Excellent performance
Battery life
Camera
Relatively slow charging
Bulky

For those who prefer performance and a gaming-centric phone in the sub Rs 20,000 segment, the Poco X3 Pro is hands-down the best performer in the segment with its flagship-grade Snapdragon 860 processor. The Poco X3 Pro sports a 6.67-inch Full HD+ display with a 120Hz display - though it isn’t an AMOLED panel, the LCD panel on the device is of good quality with adequate performance. 

Though the camera looks like a downgrade from the Poco X3, the primary camera on the Poco X3 Pro impressed us. The phone is packed with a big battery which can last one full day easily even with heavy usage. MIUI 12 isn’t still perfect software, but the powerful processor and optimization allow it to run smoothly. 

Read our Poco X3 Pro review

Buy Poco X3 Pro on Flipkart 

6GB + 128GB: Rs 18,999

8GB +1 28GB: Rs 20,999

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Realme 8 Pro

(Image credit: Future)
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Realme 8 Pro

(Image credit: Future)
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Realme 8 Pro

(Image credit: Realme 8 Pro)
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Realme 8 Pro

(Image credit: Future)
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Realme 8 Pro

(Image credit: Future)

Realme 8 Pro

Camera modes to last a lifetime

Display: 6.4" FHD+, AMOLED, 60Hz | Processor: Snapdragon 720G | RAM: 6/8GB | Storage: 128GB | Battery: 4500mAh, 50W charging | Rear camera: 108+8+2+2MP | Front camera: 16MP | OS: Android 11, Realme UI 2.0 | Weight: 176g | Thickness: 8.1mm

Versatile camera features
Excellent design
Solid battery life
Fast charging
Buggy display
No high refresh rate
108MP needs optimization

The cheapest phone with 108MP camera in India right now, the Realme 8 Pro is the company's attempt to satisfy every consumer's needs for different camera modes, and it does that successfully while making a smartphone that turns out to be better than most others in the sub-Rs 20,000 segment.

The Qualcomm Snapdragon 720G processor ensures that the smartphone has fluid performance when handling all kinds of tasks, be that gaming, photography, or the use of multiple heavy apps. The handset features a 4,500mAh which is backed by a 50W charger that can last a day. To sum it up, the Realme 8 Pro is a solid device that would give most smartphones in the category a run for its money, but not all of them. 

Read our Realme 8 Pro review

Buy Realme 8 on Flipkart

6GB + 128GB: Rs 17,999

8GB + 128GB: Rs 19,999

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Moto G60

(Image credit: Moto)
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Moto G60

(Image credit: Moto)

Moto G60

Display: 6.8-inch LCD, 120Hz | Processor: Snapdragon 732G | RAM: 6GB | Storage: 128GB | Battery: 6000, 20W charging | Rear camera: 108+8+2MP | Front camera: 32MP | OS: Android 11 | Weight: 220g | Thickness: 9.6mm

120Hz display
Good Performance
Good cameras
Clean software
Slow charging
Bulky

The Moto G60 is one of India’s cheapest phones with a 108MP camera setup. The phone can take good images with great colors and details in the daylight. The 8MP ultra-wide-angle camera also doubles up as a macro shooter and produces excellent images. Powering the device is a  Snapdragon 732G, a capable gaming chipset that performs smoothly. 

Adding to the smoothness, the Moto G60 also comes with a big 6.8-inch 120Hz LCD screen with HDR10 certification. There is also a massive 6,000mAh battery which should last at least one full day with heavy usage, but that’s backed by a mediocre 20W fast charging. Lastly, the Moto G60 is also a perfect phone for those who don’t want to deal with any bloatware, ads - you get near-stock Android 11 experience with a dedicated Google Assistant button. 

Buy Moto G60 on Flipkart

6GB + 128GB: Rs 17,999

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iQoo Z3

(Image credit: Bodhisatwa Ray )
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iQOO Z3

(Image credit: Future)
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iQOO Z3

(Image credit: Future)
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iQOO Z3

(Image credit: Future)
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iQoo Z3

(Image credit: Bodhisatwa Ray )

iQoo Z3

Display: 6.58-inch LCD, 120Hz | Processor: Snapdragon 768G | RAM: 6/8GB | Storage: 128/256GB | Battery: 4400mAh, 55W charging | Rear camera: 64MP + 8MP + 2MP | Front camera: 16MP | OS: Android 11 | Weight: 185.5g | Thickness: 8.5mm

Excellent display
Smooth performance
3.5mm audio port
Not a premium in-hand feel
Unimpressive speakers

The iQoo Z3 is India's first smartphone with the Qualcomm Snapdragon 768G chipset. The device is priced at Rs 19,990 for the base variant with 6GB of RAM and 128GB storage and for the price tag, iQoo gets most things right.  The star of the show is the Snapdragon 768G processor which offers good performance without any hitch including gaming sessions. 

On the front, you are looking at a 6.58-inch Full HD+ LCD panel with a 120Hz screen refresh rate. The device features a 180Hz touch sampling rate and HDR10 certification. The iQoo Z3 comes with a Samsung GW3 64MP f/1.79 camera, an 8MP ultra-wide lens and a 2MP macro lens. On the front is a 16MP selfie camera inside the dew-drop notch. The camera performance during daylight is permission with good output and accurate colour grading. 

Lastly, the iQoo Z3 has a 4,400mAh battery unit backed by a 55W fast charger that can charge the device up to 50% in just 19 minutes. You also get 3.5mm headphone.

Read our iQoo Z3 review 

Check out iQoo Z3 on Amazon

6GB+128GB: Rs 19,990 | 8GB+256GB: Rs 20,990 | 8GB+256GB: Rs 22,990

Realme Narzo 30 pro

(Image credit: Flipkart)

Realme Narzo 30 Pro

Display: 6.6-inch LCD, 120Hz | Processor: MediaTek Dimensity 800U | RAM: 6/8GB | Storage: 64/128GB | Battery: 4000mAh, 30W charging | Rear camera: 48+8+2MP | Front camera: 16MP | OS: Android 10, Realme UI | Weight: 194g | Thickness: 9.1mm

Performance
Battery life and charging
120Hz screen
Average camera experience
Android 10

The successor to the fastest charging phone in the segment(Narzo 20 Pro), the Narzo 30 Pro comes with some downgrades from the predecessor, but it does offer competitive specs and performance to stay on the list. It is now the cheapest 5G phone in India as it is powered by a MediaTek Dimensity 800U processor. 

You get a 120Hz screen on a 6.5-inch Full HD+ LCD screen and a 48MP primary camera while there is a 16MP selfie shooter.  The battery is rated at 5,000mAh and is backed by a 30W charger. The device is powered by a MediaTek Dimensity 800U chipset. 

Buy Realme Narzo 30 Pro on Flipkart

6GB + 64GB: Rs 16,999

8GB + 128GB: Rs 19,999

(Image credit: Samsung)

Samsung Galaxy M51

Display: 6.7-inch, Super AMOLED Plus | Processor : Snapdragon 730G | RAM: 6GB | Rear camera : 64MP + 12MP + 5MP + 5MP | Front camera: 32MP | Battery : 7,000mAh + 25W charging

Insane battery life
Super AMOLED Plus display
64MP quad-camera
Bulky
60Hz display

Even after a year of its launch, the Galaxy M51 is one of Samsung’s few devices that offer the best value for money. Though when introduced, the Galaxy M51 was slightly pricier, however, after various discounts, the phone is now available in the under Rs. 20,000 price segment. 

With Samsung Galaxy M51, Samsung has kept the same two core pillars - massive battery and Super AMOLED panel. However, one of the major additions comes in terms of performance, Samsung has finally added a powerful Snapdragon processor to the M series. Similarly, it also brings a capable array of cameras with a ton of shooting modes that aren’t common in this segment.

You also get flagship features such as a 64MP quad-camera setup, fast charging and reverse charging and a very polished software experience with One UI 2.1.

Check out our review of the Samsung Galaxy M51

Check out the Samsung Galaxy M51 on Amazon

6GB + 128GB: Rs 19,499

8GB + 128GB: Rs 20,499

Infinix Note 10 Pro

(Image credit: Infinix)

Infinix Note 10 Pro

Screen size: 6.95-inch Full HD+, LCD, 90Hz | CPU: MediaTek Helio G95 | RAM: 8GB | Storage: 256GB | Battery: 5000mAh, 33W fast charge | Rear camera: 64MP + 8MP + 2MP +2MP | Front camera: 16MP | OS: Android 11 | Weight: 210.5g | Thickness: 9.07 mm

Ample storage
90Hz refresh rate
Fast charging
Camera performance 
Software 

The Infinix Note 10 Pro is the brand’s most premium product in India currently. It is powered by a gaming-centric MediaTek Helio G95 processor paired with 8GB of RAM and 256GB of internal storage - a combo that is a rarity in the segment.  In terms of visuals, the company is providing a 6.95-inch Full HD+ LCD screen with a 90Hz refresh rate. The screen is also TÜV Rheinland certified for low-light consumption. 

The device draws power from a big 5,00mAh battery unit which supports 33W fast charging. In the options department, you get a 64 MP primary shooter, an 8MP ultra-wide-angle lens and two 2MP shooters. The selfies are handled by a 16MP shooter on the front. The phone is priced at Rs 16,999. 

Buy Infinix Note 10 Pro on Flipkart

8GB + 256GB: Rs 16,999

List of best smartphone under Rs 20,000 in India

  • Redmi Note 10 Pro Max
  • Poco X3 Pro
  • Realme 8 Pro
  • Moto G60
  • iQoo Z3
  • Realme Narzo 30 Pro
  • Samsung Galaxy M51
  • Infinix Note 10 Pro

With the smartphone market back in full swing, the under Rs 20,000 segment continues to be one of the most exciting ones. On the horizon, we are expecting devices from Samsung, Oppo, Realme, and Motorola to join the segment by July. 

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