Best phones under Rs 20,000 in India (2026): Top value picks

What’s the best smartphone under Rs 20,000? This question once dominated India’s smartphone industry. However, rapid premiumisation and bank offers led to an increase in the average selling price of phones, but that doesn’t mean the under Rs 20,000 phone category is not buzzing. It is still the domain of Redmis and Realmes, but there are so many great options to choose from. Whether you are looking for a design-first, performance-first, or an all-rounder, here are the top value picks for the best phones under Rs 20,000 in India in 2026.

Best phone under 20000

In 2026, the mid-range phones no longer feel like a compromise, offering capable cameras, dependable performance, even AMOLED displays, and 5G connectivity. Whether you’re upgrading or looking for value, here are the best phones under 20000.

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1. Redmi 15 5G
2. Oppo K13 5G
3. Vivo T4x 5G
4. Realme P4x 5G
5. Samsung Galaxy A17 5G

1. Redmi 15 5G

It is hard to go wrong with a Redmi in this price segment, and our recommendation is the Redmi 15 5G. It was launched during the second half of 2025 with a 6.9-inch Full HD+ display supporting a 144Hz refresh rate, 6GB or 8GB of RAM, 128GB or 256GB of storage, a Qualcomm Snapdragon 6s Gen 3 chip, 50MP dual rear cameras, an 8MP front camera, and an IP64 rating. It also packs a large 7,000mAh battery, one of the biggest in the segment, and runs HyperOS 2 based on Android 15 with the promise of 2 years of OS updates and 4 years of security updates. While it starts at Rs 15,999 and comes in midnight black, sandy purple, and frosted white colour options, I would recommend going for 256GB storage to house those 50MP photos.

2. Oppo K13 5G

Built for performance enthusiasts, the Oppo K13 5G delivers impressive performance with a powerful chipset and effective thermal management. Powered by Qualcomm Snapdragon 6 Gen 4 chip with 8GB RAM and 128GB/256GB storage, the Oppo K13 5G sports a 6.67-inch 120Hz OLED display, 50MP + 2MP rear cameras, 16MP front camera, and a 7,000mAh battery with 80W fast charging. Priced starting at Rs 19,999, the Oppo K13 is a great pick for mobile gamers who want sustained performance without spending flagship money.

3. Vivo T4x 5G

Another performance-oriented smartphone in this segment is the Vivo T4x 5G. Priced starting at Rs 15,499, the T4x 5G features a 6.7-inch 120Hz display, 6GB or 8GB of RAM, 128GB or 256GB storage, MediaTek Dimensity 7300 chip, and a 6,500mAh battery with 44W fast charging. On the camera front, there is a dual 50MP + 2MP rear camera setup and an 8MP front camera. With an IP64 rating and Ultra Game Mode, Vivo has its sights set on mobile gamers.

4. Realme P4x 5G

Launched in December last year, the Realme P4x is another big battery smartphone trying to challenge the Redmi 15 5G and Oppo K13 5G. It sports a 6.72-inch LCD with a 144Hz refresh rate, MediaTek Dimensity 7400 Ultra chip, 6GB or 8GB RAM, 128GB or 256GB storage, and a 7,000mAh battery with 45W fast charging. Despite the large battery, the Realme P4x is only 8.39mm thick and weighs only 208 grams. The camera setup is rather weak, with a 50MP main camera paired with a 2MP monochrome camera, while the front is an 8MP selfie shooter. It starts at Rs 17,499 and can be purchased in lake green, matte silver, or pink colour options.

5. Samsung Galaxy A17 5G

I would term the Galaxy A17 5G from Samsung as the dependable one without any bells and whistles. It is all about sleek design, a familiar and stunning AMOLED display, and one of the best software update promises in this segment. The Galaxy A17 5G also stands out for its cameras and AI features that have trickled down from the company’s flagship offerings. If you are looking for software stability and brand value, this is worth considering.

Best mobile under 20000

The under Rs 20,000 price segment has become the sweet spot to find a device that balances value with reliable performance and features. The above-mentioned smartphones deliver strong performance, long battery life, and a reliable user experience.

While there is little to choose between the Redmi 15 5G, Oppo K13 5G, Vivo T4x 5G, and Realme P4x 5G, they are all about long battery life and stable performance.

Some will particularly appeal to mobile gamers, while the Galaxy A17 5G stands out as a smartphone that delivers the best software experience and packages AI well in this category. Your choice for the best mobile under 20000 will ultimately depend on your priority: camera, performance, gaming, or clean software.