Without smartphones, your life may not be as fast as you want it to be. Smartphones have become an inseparable part of your daily life. Due to its versatile nature, choosing the best phone under 20000 can become a hurdle sometimes. Are you confused due to the hundreds of options available around you?
Suppose you are looking for the latest mobile that fulfills your requirements. In that case, you need to be a cautious and intelligent shopper. Nevertheless, a little guidance can go a long way. Here is what you must look for while you go out to look for the best smartphone in 2021.
Processor is essential for a reliable and consistent mobile
If you want to buy a reliable smartphone that offers smooth and consistent performance without lagging, check for the processor. It also allows your device to perform multiple tasks simultaneously without any issues. A good and high powered processor will ensure your device can handle all the work, including hours-long gaming and streaming, with ease. The popular SoCs are from Snapdragon, Exynos, MediaTek Helio, etc. In addition, Apple iPhones come with an Apple-exclusive Bionic Chipset.
Try to go for at least a quad-core or octa-core chipset to get the best out of your mobile; most of the mobiles now come with octa-core processors.
Get a High capacity RAM
Your smartphone performance also depends on the RAM you choose. RAM or Random Access Memory stores all the temporary data and provides these when needed. The higher capacity of RAM allows it to process a massive amount of data at once. So if you prefer watching movies or playing high-definition games on your mobile for hours, at least 4GB RAM is essential.
Such high-capacity options also allow you to use multiple apps on your mobile without any disturbance.
Android or IOS- Choose according to your preferred user experience
There are two OS available for smartphones; most of the smartphones come with Android OS, and the devices from Apple use iOS. You must choose the OS according to your desired user experience.
If you want to customize your device and use it differently, android OS is the ideal choice. On the other hand, if you desire an OS with regular updates and software support, you can go for IOS devices.
But, both of them are equally brilliant and reliable. Android is easy to use and allows multiple scopes, including the feature of split-screen and others. On the contrary, iOS offers consistent support.
The battery capacity
While you buy a smartphone, take a look at the battery capacity. With a better and more capable battery, you can easily use the smartphone for hours without any inconvenience. Try to choose the battery capacity according to how you plan to use your device. For example, for gaming and streaming, a good battery backup is necessary.
On the other hand, check if the battery is optimized correctly with the RAM, SoC, and OS to ensure it offers the best results.
Camera quality
Most people now use their smartphones to capture photographs. Hence, the makers have incorporated some advanced mobile cameras in their devices to ensure they capture everything properly in detail with fantastic picture quality.
You can choose a quad-camera or a triple camera easily. However, often the megapixel number is not enough to judge a camera. Hence, ask the shop to get some demo pictures or check the camera specifications, mainly the sensor, to determine the best phone under 20000 to aid you in photography.
Storage Capacity
While shopping for your new mobile, always take a look at the available storage. You will need the storage to install apps, store images and videos, etc., to use these for the future. Mobiles with more extensive storage allow you to store multiple items without any inconvenience. Try to get at least a 64GB storage option to get the desired user experience. Bodies that, try to go for a smartphone that offers expandable storage option.
Display
Most of the smartphones now come with 6 inches display to offer you a better viewing experience. In addition, getting a device with a protected display will help you protect your eyes from blue rays.
For the display quality, you can either go for LCD or AMOLED. In AMOLED display, you can choose Super AMOLED or OLED according to your budget. Such displays offer better color saturation and contrast levels to enhance your experience.
Here are some of the things that you need to consider before you buy your latest mobile. No matter whichever phone you want to buy, these are the common specifications to look out for.
You can visit Bajaj Finserv EMI Store to buy the best phone under 20000 according to your requirement. Moreover, you can use the Bajaj Finserv EMI Network Card to purchase your favorite mobile in easy EMI. You can pay the amount within a tenure of 3 months to 24 months.
More Things to Check Before You Buy a Smartphone
Smartphones have changed a lot since 2021. Here are more things that matter when you buy a phone today.
Check the Display: Size, Type and Refresh Rate
Most phones now have a screen of 6.1 to 6.8 inches. A bigger screen is good for videos and games, but it is harder to hold with one hand. OLED and AMOLED screens give deeper blacks and brighter colors than LCD screens. A refresh rate of 90 Hz or 120 Hz makes scrolling and games feel smoother. If you watch a lot of videos, look for a phone with a bright screen and good color, and check the screen resolution, such as Full HD or higher.
Check the Camera: More Megapixels Is Not Everything
Do not judge a camera by megapixels alone. A 12-megapixel camera with a good sensor and good software can take better photos than a 108-megapixel camera with a poor sensor. Look for optical image stabilization (OIS), which reduces blur, night mode for low-light photos, and a wide-angle or zoom lens if you need it. If you record video, check whether the phone can record in 4K and whether it has good stabilization.
Check the Battery and Charging
Look for a battery of at least 4,500 mAh for a full day of use, and a larger battery if you play games or watch a lot of video. Fast charging is also useful: many phones can charge from empty to 50 percent in about 30 minutes. Wireless charging is a nice extra, but not essential. Note that battery life depends on how you use the phone, so check reviews for real-world battery tests.
Check Software Updates and Support
Software updates keep your phone safe and add new features. Apple iPhones usually receive updates for 5 to 6 years or more. Many Android makers now promise 4 to 7 years of updates for their newer phones. Before you buy, check how long the maker promises to support the phone, so you do not buy a phone that stops receiving security updates soon.
Check 5G, Storage and Other Details
- 5G: Most new phones support 5G, which gives faster mobile data where 5G is available. If you keep your phone for years, 5G is worth having.
- Storage: 128 GB is a good minimum today. If you take many photos and videos, choose 256 GB. Some phones have no microSD slot, so you cannot add storage later.
- Water resistance: An IP68 rating means the phone can survive being dropped in water for a short time. An IP53 or IP54 rating only protects against splashes.
- Build: Glass and metal feel premium, but they can break. A good case and a screen protector help any phone last longer.
How to Choose a Phone for Your Budget
| Budget | What to expect |
|---|---|
| Low budget | Good screen and battery, basic camera, 2 to 3 years of updates |
| Mid-range | Better camera, faster chip, 120 Hz screen, 4 to 5 years of updates |
| Flagship | Best camera, fastest chip, premium build, 5 to 7 years of updates |
Set your budget first, then compare two or three phones in that price range. Read reviews from trusted sources, check the return policy, and buy from a seller you trust.
Frequently Asked Questions
How much RAM do I need in a smartphone?
For most people, 8 GB of RAM is enough for daily use and light games. If you play heavy games or keep many apps open, 12 GB or more is better.
Is 5G important when buying a phone?
5G gives faster mobile data where it is available, and most new phones support it. If you keep your phone for several years, it is worth having.
Which is better: Android or iPhone?
Both are good. Android gives you more choice and more ways to customize your phone. iPhone gives you long software support and works well with other Apple devices. Choose the one that fits how you use your phone.
How long should a smartphone last?
Most smartphones last 3 to 5 years with normal use. A phone with a good battery, enough storage, and long software support will last longer.
Should I buy a phone with more megapixels?
Not always. The sensor size, lens, and software matter more than megapixels. Check sample photos and reviews before you decide.
Disclaimer: This article is for general information only. Prices and specifications differ between models and change over time, so check the maker’s official page before you buy.
Last Updated: 6 November 2026