In recent times, when people use reels, shorts, and short videos, the camera is a key factor in choosing a smartphone. Since students, content creators, travel bloggers, and lifestyle enthusiasts are the main users of high-quality smartphones in India, they can’t do without one.
It’s even more thrilling, since you don’t have to empty your wallet now. There are several budget phones under ₹20,000 in India that are designed especially for users who enjoy photography. For a financing option, one can head to the One Andro App, which can show the possible options that are available to get your required device.
- Why Cameras Matter Now in a Budget Smartphone?
Nowadays, producing content is the main focus in our digital world. With more people using platforms like Instagram, Moj, Josh, and YouTube Shorts, having a camera is seen as a standard these days.
It can be seen most clearly in India, where a single smartphone is used to take pictures, talk to people, have fun, and advertise businesses. A good modern phone camera can make the shots from Holi, your travel scenes down a rainy highway, or your simple meal look appealing.
Thanks to better technology in mobile phones, low-cost models can have AI features for photography, evening modes, and solid optical stabilisation.
- Top Budget Camera Smartphone to Get in This Mid-2025
Below is a list of phones you can buy for under ₹20,000, famous for having excellent cameras:
- The Redmi Note 13 Pro has a price of ₹17,999.
- It uses a 108MP HM2 sensor on its phones.
- The camera includes OIS (Optical Image Stabilisation).
- The AMOLED panel on the Pro delivers accurate colour when editing photos.
- AI Night Mode 2.0 for clearer pictures in the dark
Designers here recommend this camera for content creators, street photographers, and travel vloggers.
- Realme Narzo 60x 5G is available for ₹13,499.
- The phone is equipped with a main sensor that records 64MP images.
- Street photography with Night Mode
- A stylish design and batteries that never fail
Designed for college students and those looking to get started in influencing.
- Moto G73 5G phone is on sale for ₹16,999.
- The 50MP Ultra Pixel camera has ultra-large 2µm pixels.
- 8MP image sensor for both ultra-wide-angle and close-up shots
- A stock version of Android that comes with fewer apps included.
This package is great for people who want their design to be simple yet flexible.
- Samsung Galaxy M14 5G sells for ₹11,990.
- A set of three cameras, all using Samsung’s professional tuning.
- You get the important updates and new features in One UI.
- The camera can record for longer on the 6000mAh battery.
Perfect for customers who want the natural colors of Iris while taking advantage of the well-known Samsung brand.
- Infinix Zero 5G 2023 is available for ₹14,999.
- A 50MP camera sensor is used with multi-frame photography.
- You can use dual-view video and apply AI filters.
- Modern design ideas at affordable prices
For those who like to create videos with interesting styles.
Steps to Finance Your Smartphone
Amazon and Flipkart provide the No-Cost EMI plan for HDFC, SBI, ICICI, and Kotak customers. You can choose to pay for your purchase in 3, 6, or 12 installments and avoid extra interest.
A ₹15,000 phone can be purchased at a monthly price of ₹1,250 for the next 12 months.
Consumer Durable Loans from NBFCs
With Bajaj Finserv and HDB Financial Services, borrowers can obtain an instant loan at partner shops or outlets. One can also visit the Best Loan Agency and find the best loan options for the smartphone. All you need is an Aadhaar or PAN, and often the approval process is very quick.
Buy Now, Pay Later Apps (BNPL)
You can use LazyPay, ZestMoney, or Simpl to pay slowly with a limit that is active instantly. It is designed for those who have no credit history.
Tip: It’s important to review the interest rate and the amount of time you’ll need to pay back the money.
Exchange offers on Old Phones
Many online sites are willing to include old phones as part of the payment for a new one. If the condition of your phone is acceptable, then you might be able to get ₹3,000–₹5,000 off the price.
You can enjoy high-quality photos from your smartphone simply by assessing its camera, borrowing money if needed, and getting a little practice in basic photography.