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Tata Capital > Blog > Capital Goods Loan > Best Mobile Phones Under Rs. 20,000

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Best Mobile Phones Under Rs. 20,000

Best Mobile Phones Under Rs. 20,000

A smartphone is not just a communication device anymore; it has become a multifaceted gadget that caters to our entertainment, work and creative needs. Whether you are looking for the best camera phone to capture your memories or the best phone with robust performance for gaming or multitasking, mobile phones under Rs. 20,000 have something for everyone.

Discover the best mobile phones under Rs. 20,000 in India, where you can compare prices, delve into the features and explore EMI and loan options to find your perfect budget smartphone. This comprehensive guide will support a buyer in navigating through the wide range of options and finding the one that suits them perfectly.

The Top Contenders: Best Phones Under Rs. 20,000

Multiple impressive devices have made a significant impact in the under Rs. 20,000 segment. These devices come with a diverse range of features that make them strong candidates for the title of the best mobile phone under 20000. Let's take a closer look at these smartphones.

Xiaomi Redmi Note 10 Pro

The Xiaomi Redmi Note 10 Pro is often recognised as the best mobile phone under 20,000. A flagship model in the affordable segment, the Redmi Note 10 Pro has a lot to offer. Its most striking feature is the 108MP primary camera, equipped with a night mode, dual native ISO and HDR, making it a compelling choice for photography enthusiasts looking for the best camera phone. It also includes an 8MP ultra-wide-angle lens, a 5MP super macro lens and a 2MP depth sensor, creating a versatile camera setup.

The Redmi Note 10 Pro boasts a 6.67-inch 120Hz Super AMOLED display, offering vibrant colours and smooth scrolling. Coupled with its stereo speakers, it promises an immersive multimedia experience. The phone is powered by the Qualcomm Snapdragon 732G processor, ensuring swift performance and efficient multitasking. The 5020mAh battery, coupled with a 33W fast charger, ensures that the device will have long-lasting battery life and quickly recharge whenever needed.

Samsung Galaxy M32

Samsung, a well-established player in the smartphone industry, has notched up the game with the Galaxy M32. This phone is a perfect blend of Samsung's reliable brand image and a range of impressive features. The 6.4-inch Super AMOLED display, with a 90Hz refresh rate and 800 nits of peak brightness, offers an unrivaled viewing experience, making videos and games come to life.

The Galaxy M32's camera setup consists of a 64MP main camera, an 8MP ultra-wide camera, a 2MP macro camera and a 2MP depth sensor, making it a decent contender for the best camera phone in this range. Powering the device is the MediaTek Helio G80 processor, which, along with 6GB RAM, ensures smooth performance. But where the phone truly shines is its enormous 6000mAh battery that can easily last a day and a half, even with heavy usage.

Realme Narzo 30 Pro

The Realme Narzo 30 Pro has made a name for itself in the gaming community. The phone is powered by the MediaTek Dimensity 800U processor, which is known for delivering superior performance, especially while gaming. It also features a liquid cooling system, ensuring the device doesn't heat up during extended gaming sessions.

The Narzo 30 Pro sports a 6.5-inch Full HD+ display with a 90Hz refresh rate, providing fluid visuals. The phone's camera setup includes a 48MP primary camera, an 8MP ultra-wide camera and a 2MP macro camera. While it might not be the best camera phone on this list, it does a commendable job in good lighting conditions.

The device is backed by a 5000mAh battery, ensuring your gaming or streaming sessions aren't interrupted. It also supports 30W Dart charging, which can charge the phone up to 100% in just 65 minutes. The Narzo 30 Pro also stands out with its 5G connectivity, making it a future-proof choice in the under Rs. 20,000 category.

Financing Your Smartphone: EMI and Loan Options

While these smartphones are budget-friendly, you may still want to consider EMI and loan options for easing your purchase. Many banks and non-banking financial companies (NBFCs) including Tata Capital offer consumer durable loans that you can use to finance your smartphone. You can convert the cost of your phone into easy EMIs and repay the amount over a period of time.

Remember, before opting for a loan, it's essential to compare the interest rates, processing fees and other charges associated with various lenders. Also, ensure that you have a good credit score, as it plays a significant role in loan approval and the interest rate you're offered.

Ensuring After-sales Service and Warranty

No matter how good a smartphone is, it might require servicing or repairs at some point. Therefore, it's crucial to consider the after-sales service of the brand you're opting for. Brands like Xiaomi, Samsung and Realme have a wide network of service centres across India, ensuring that any after-sales issues are promptly resolved. Additionally, make sure the smartphone comes with a warranty period to cover any potential manufacturing defects.

Summing up

Buying a phone is an investment, and it's crucial to weigh in on all the necessary factors such as after-sales service, user experience and future-proofing, along with one's personal requirements. User reviews and opinions are also great sources of information for understanding the performance of a device in real-world usage.

Moreover, even though these smartphones are budget-friendly, you can ease your purchase further with EMI options. Financial institutions such as Tata Capital offer consumer durable loans for smartphones, which buyers can avail to finance their new phone. With Tata Capital, one can convert the cost of their phone into easy EMIs, making the purchase more manageable.

With the right knowledge and understanding, you're not far from owning the best phone under 20000 that perfectly suits your needs. Take your time, do your research and make an informed decision. Happy shopping!

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