Breaking the financial institution for a smartphone doesn’t make sense whenever you want a day by day driver for probably the most important duties. If your day by day duties embody calling, texting, internet searching, media streaming, and taking the odd image, you don’t must spend greater than Rs 20,000 on a tool. You also can discover some good gaming telephones on this value bracket, however you will want to accept restricted digicam efficiency. So, with out additional ado, let’s check out the highest 10 smartphones priced under Rs 20,000 in January 2026. 

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Samsung Galaxy A17

The Samsung Galaxy A17 has a vibrant 6.7-inch Super AMOLED show with a 120Hz refresh price. It can attain 800 nits in High Brightness Mode. Powering this system is Samsung’s in-house Exynos 1330 chipset. Software duties are dealt with by the Android 15-based One UI 7. Samsung has promised 6 main OS upgrades for this cellphone, which is well the very best software program help you will get on this value bracket. The digicam array on the again panel of this system contains a 50MP major shooter, a 5MP ultrawide lens, and a 2MP macro sensor. The 5,000mAh battery pack helps 25W wired charging. Check out our Samsung Galaxy A17 evaluation to be taught extra in regards to the system.

Pros

• Smooth show
• 6 main OS upgrades
• Expandable storage

Cons

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The waterdrop notch on the show is dated

Buy on Amazon for Rs 19,499

Poco X7

Poco X7 is powered by the MediaTek Dimensity 7300 processor and runs the Android 14-based HyperOS out of the field. It flaunts a 6.67-inch AMOLED show with a 120Hz refresh price and a peak brightness of three,000 nits. The large digicam island on the again panel homes a 50MP major shooter, an 8MP ultrawide lens, and a 2MP macro sensor. The 5,500mAh battery pack helps 45W wired charging. For a deeper evaluation of the final efficiency, learn our evaluation of the Poco X7.

Pros

• Good processor
• Fast charging
• IP69 rated

Cons

Buy on Amazon for Rs 18,490

CMF Phone 2 Pro

Nothing’s subsidiary model, CMF, has among the best smartphones within the sub-Rs 20,000 value bracket. The CMF Phone 2 Pro is powered by the MediaTek Dimensity 7300 Pro chipset. It runs the Android 15-based Nothing OS 3 out of the field. Its 6.77-inch AMOLED show has a 120Hz refresh price and may attain a peak brightness of three,000 nits. The triple rear digicam setup contains a 50MP major shooter, an 8MP ultrawide lens, and a 50MP telephoto lens with 2x optical zoom. The 5,000mAh battery pack helps 33W charging. Read our CMF Phone 2 Pro evaluation to be taught extra in regards to the system.

Pros

• Attachable equipment
• Bright show
• Telephoto lens

Cons

• Does not have a secondary speaker

Buy on Amazon for Rs 18,328

Moto G67 Power

Moto G67 Power rocks the Snapdragon 7s Gen 2 chipset at its core. Its 6.7-inch IPS LCD panel has a 120Hz refresh price and may attain a peak brightness of 1,050 nits. OS duties are dealt with by inventory Android 15 out of the field. The smartphone is compliant with MIL-STD-810H sturdiness requirements. The rear digicam panel homes a 50MP major shooter and an 8MP ultrawide lens. The 7,000mAh Si/C battery pack helps 30W wired charging.

Pros

• Good processor
• Big battery
• Durable

Cons

• LCD panel as a substitute of AMOLED

Buy on Amazon for Rs 15,358

Nothing Phone (3a) Lite

Nothing’s latest providing in its (3a) sequence is its most inexpensive one but. The Phone (3a) Lite acts because the entry-level smartphone in Nothing’s catalogue. It is powered by the MediaTek Dimensity 7300 Pro chipset and runs the Android 15-based Nothing OS 3 out of the field. Its 6.77-inch AMOLED show has a 120Hz refresh price and may attain a peak brightness of three,000 nits. The triple rear digicam array contains a 50MP major shooter, an 8MP ultrawide lens, and a 2MP macro lens. The 5,000mAh battery pack helps 33W wired charging. Read our Nothing Phone (3a) Lite evaluation to be taught extra in regards to the system.

Pros

• Good processor
• Nice design
• Great haptic suggestions

Cons

• Lacks a secondary speaker

Buy on Amazon for Rs 20,358

Tecno Pova Slim

If you wish to soar on the ‘thin phone’ bandwagon, however don’t wish to pay flagship costs, the Tecno Pova Slim is for you. Powering this smartphone is the MediaTek Dimensity 6400 SoC. Software duties are dealt with by the Android 15-based HiOS 15 out of the field. The 6.78-inch AMOLED show has a 144Hz refresh price and may attain a peak brightness of 4,500 nits. The rear digicam panel homes a 50MP major shooter and a 2MP auxiliary lens. The 5,160mAh battery pack helps 45W wired charging. Check out our Tecno Pova Slim evaluation to be taught extra in regards to the cellphone.

Pros

• Sleek type issue
• AI options
• Mood gentle

Cons

• Only out there in a 128GB variant

Buy on Amazon for Rs 20,999

Infinix GT 30

If you want an excellent gaming cellphone under Rs 20,000, look no additional than the Infinix GT 30. This system is powered by the MediaTek Dimensity 7400 SoC. Like its Pro sibling, it has touch-sensitive shoulder triggers on the fitting fringe of its body. You can map sport controls on these triggers for a real handheld expertise. The 6.78-inch AMOLED show has a 144Hz refresh price and may attain a peak brightness of 4,500 nits. The digicam island on the again panel homes a 64MP major shooter and an 8MP ultrawide lens. The 5,500mAh battery pack helps 45W wired charging. Read our Infinix GT 30 evaluation for a deeper evaluation of its gaming efficiency.

Pros

• Bright show
• Good processor
• Shoulder triggers

Cons

• Could’ve had sooner charging

Buy on Amazon for Rs 20,999

Realme P4

(*10*)

The vanilla variant within the Realme P4 sequence is powered by the MediaTek Dimensity 7400 SoC. Software duties are dealt with by the Android 15-based Realme UI 6. The 6.77-inch AMOLED show has a 144Hz refresh price and may attain a peak brightness of 4,500 nits. There’s IP66 safety on board. The rear digicam island homes a 50MP major shooter and an 8MP ultrawide lens. The huge 7,000mAh battery pack helps 80W wired charging. There’s help for 10W reverse wired charging.

Pros

• Fluid show
• Good processor
• Fast charging

Cons

• Ultrawide digicam takes gentle photos

Buy on Amazon for Rs 18,499

Redmi Note 15

The newly launched Redmi Note 15 is priced barely above Rs 20,000, but it surely’s well worth the premium. At the center of this system lies the Snapdragon 6 Gen 3 SoC. Software duties are dealt with by the Android 15-based HyperOS 2 out of the field. The 6.77-inch AMOLED show has a 120Hz refresh price and may attain a peak brightness of three,200 nits. The smartphone is rated IP66 for defense in opposition to mud and water. It is compliant with MIL-STD-810H requirements as effectively. Its rear digicam array contains a 108MP major shooter and an 8MP ultrawide lens. The 5,520mAh battery pack helps 45W wired charging.

Pros

• Bright show
• Durable
• Good cameras

Cons

• Does not run Android 16 out of the field

Buy on Amazon for Rs 22,999

Read Also: BenQ introduced the EW270Q 27-inch 2K Q HD 200Hz Gaming Monitor in India

Final Thoughts

These are the highest 10 smartphones priced under Rs 20,000 in January 2026. If you may broaden your funds, we additionally suggest testing our record of the highest 10 smartphones priced under Rs 30,000. If you’ve got any questions, tell us within the feedback!