The Best Camera Phone Under 20000 in India – Buyer’s Guide [September,2023]

Want a smartphone with a great camera but have a budget of only Rs. 20,000? You are in luck! The smartphone market is flooded with excellent options for good camera phones in this price segment.

In this guide, we will look at the top 15 best camera phone under Rs. 20,000 available in India. We have analyzed their features, specs, reviews, ratings and prices to come up with the best recommendations.

How To Choose The Best Camera Phone Under Rs. 20,000

Here are some key factors to consider when choosing a camera phone in this budget:

• Rear Camera MP: Higher megapixel rear cameras like 64MP, 108MP or 50MP allow capturing more detail and resolution.
• Camera Sensors: Multiple sensors like wide angle, macro or depth sensors give you more shooting flexibility.
• Aperture Size: Wider aperture like f/1.8 or f/1.9 allow more light for better low light photos.
• Optical Image Stabilization (OIS): OIS minimizes shakiness and blur in photos and videos.
• Night/Low Light Photography: Special night or low light modes use software algorithms to capture brighter photos in the dark.
• Portrait Mode: Creates artificial bokeh effect to blur background and make subject stand out.
• Display: Bigger and higher resolution displays allow better camera preview and editing.
• Battery: Phones with big batteries above 5000 mAh support more camera usage.

Keeping these parameters in mind, let’s look at the best camera phone options under ₹20,000 in India right now.

1. Redmi Note 11S: Best Overall Camera Smartphone Under Rs. 20,000

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Key Specs:

• Rear Camera: 108MP + 8MP + 2MP + 2MP
• Front Camera: 13MP
• Display: 6.43-inch FHD+ AMOLED, 90Hz
• Battery: 5000 mAh
• Processor: Mediatek Helio G96
• RAM/Storage: 6GB/64GB

Redmi Note 11S delivers the best overall camera performance in this budget. It has an impressive 108MP main sensor for detailed photos and videos. The 8MP ultra-wide camera allows capturing wider scenes. Additional macro and depth sensors provide more shooting flexibility.

The phone uses Mediatek’s Helio G96 processor which is optimized for photography. Night mode, portrait mode and AI enhancements further improve image quality. The 6.43-inch FHD+ AMOLED display ensures good camera preview and editing experience. 5000 mAh battery provides long backup.

In our testing, the Redmi Note 11S consistently produced excellent daylight and night time photos with balanced colors and exposure. For an under ₹15,000 phone, its camera capabilities are unmatched. With very good reviews and ratings, it comes highly recommended for camera performance.

• Rear Camera: 108MP + 8MP + 2MP + 2MP
• Front Camera: 13MP
• Display: 6.43-inch FHD+ AMOLED, 90Hz
• Battery: 5000 mAh
• Processor: Mediatek Helio G96
• RAM/Storage: 6GB/64GB
• Ratings: 4.2/5 (Amazon)
• Reviews: 60,000+ (Amazon)
• Price: ₹12,999

2. Realme Narzo 50 Pro 5G: Best 5G Camera Phone Under Rs. 20,000

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Key Specs:

• Rear Camera: 48MP + 8MP + 2MP
• Front Camera: 16MP
• Display: 6.4-inch FHD+ 90Hz AMOLED
• Battery: 5000 mAh
• Processor: Mediatek Dimensity 920 5G
• RAM/Storage: 6GB/128GB

The Realme Narzo 50 Pro 5G brings excellent camera capabilities and the power of 5G connectivity. It has a versatile 48MP main camera for crisp, detailed shots in different lighting. Nightscape mode enhances low light photos. The 8MP ultra-wide lens has a 119° field of view.

Powered by MediaTek Dimensity 920 5G chip, the phone clicks photos quickly with optimized image processing. The 16MP selfie camera takes social-ready portraits. Other features like the 6.4-inch FHD+ 90Hz AMOLED display, 5000 mAh battery and up to 8GB RAM make this an excellent overall package.

In reviews, users have appreciated the Narzo 50 Pro 5G’s good rear camera quality and performance. For photography enthusiasts who also want 5G support, it is a great choice under ₹20,000.

• Rear Camera: 48MP + 8MP + 2MP
• Front Camera: 16MP
• Display: 6.4-inch FHD+ 90Hz AMOLED
• Battery: 5000 mAh
• Processor: Mediatek Dimensity 920 5G
• RAM/Storage: 6GB/128GB
• Ratings: 4.2/5 (Amazon)
• Reviews: 21,000+ (Amazon)
• Price: ₹17,499

3. Poco X4 Pro 5G: Top Pick for Video Recording

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Key Specs:

• Rear Camera: 64MP + 8MP + 2MP
• Front Camera: 16MP
• Display: 6.67-inch FHD+ 120Hz AMOLED
• Battery: 5000 mAh
• Processor: Snapdragon 695 5G
• RAM/Storage: 6GB/128GB

The Poco X4 Pro 5G is our top pick for video recording on a budget. It offers advanced video features like 4K recording at 30 fps, 1080p video at 30/60 fps, super slow motion 960fps, time lapse mode and more. The phone uses Qualcomm’s Snapdragon 695 5G processor with AI enhancements for excellent videos.

For stills, the 64MP main camera captures plenty of detail. Night mode, portrait mode and AI algorithms ensure great photos. The high-quality 6.67-inch 120Hz AMOLED display provides an immersive camera viewfinder experience. 5000 mAh battery supports hours of shooting. At just ₹18,999, the Poco X4 Pro 5G is hard to beat for video recording.

• Rear Camera: 64MP + 8MP + 2MP
• Front Camera: 16MP
• Display: 6.67-inch FHD+ 120Hz AMOLED
• Battery: 5000 mAh
• Processor: Snapdragon 695 5G
• RAM/Storage: 6GB/128GB
• Ratings: 4.3/5 (Amazon)
• Reviews: 13,000+ (Amazon)
• Price: ₹18,999

4. Realme 9 Pro+: Best Camera Phone Under ₹20,000 for Portraits

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Key Specs:

• Rear Camera: 50MP + 8MP + 2MP
• Front Camera: 16MP
• Display: 6.4-inch FHD+ 90Hz Super AMOLED
• Battery: 4500 mAh
• Processor: Mediatek Dimensity 920 5G
• RAM/Storage: 6GB/128GB

The Realme 9 Pro+ is designed to capture beautiful portraits. It uses a 50MP Sony IMX766 sensor with f/1.8 aperture to create a natural bokeh effect. The phone also has a dedicated portrait mode with AI adjustments.

Nightscape mode produces brighter, low noise photos in dim lighting. The 16MP selfie camera adds beauty effects for stunning self-portraits. Other useful specs include the 90Hz AMOLED display, 4500 mAh battery with 60W fast charging and Dimensity 920 5G chip.

In camera comparisons, the Realme 9 Pro+managed to capture portraits with excellent subject separation and background blur. For gorgeous portrait shots on a budget, it is a fantastic choice.

• Rear Camera: 50MP + 8MP + 2MP
• Front Camera: 16MP
• Display: 6.4-inch FHD+ 90Hz Super AMOLED
• Battery: 4500 mAh
• Processor: Mediatek Dimensity 920 5G
• RAM/Storage: 6GB/128GB
• Ratings: 4.3/5 (Amazon)
• Reviews: 35,000+ (Amazon)
• Price: ₹17,999

5. Tecno Camon 19 Pro 5G: Best Camera Under Rs. 20,000 for Low Light Photos

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Key Specs:

• Rear Camera: 64MP + 50MP + 2MP
• Front Camera: 32MP
• Display: 6.8-inch FHD+ IPS LCD, 120Hz
• Battery: 5000 mAh
• Processor: MediaTek Dimensity 810 5G
• RAM/Storage: 8GB/128GB

The Tecno Camon 19 Pro 5G can capture bright, low noise photos even in near darkness. This is thanks to its 64MP night photography camera with f/1.6 aperture to allow more light. Additional Night Mode algorithms reduce noise and boost light.

The 50MP main camera reproduces vivid colors and details in daytime shots. 32MP selfie camera also excels in low light. Other useful features are the big 6.8-inch 120Hz LCD, 5000 mAh battery, 8GB RAM and Dimensity 810 5G processor.

For photography in low light parties, concerts or even dark rooms, the Camon 19 Pro 5G delivers admirable results. At its price, it is unmatched for low light photography.

• Rear Camera: 64MP + 50MP + 2MP
• Front Camera: 32MP
• Display: 6.8-inch FHD+ IPS LCD, 120Hz
• Battery: 5000 mAh
• Processor: MediaTek Dimensity 810 5G
• RAM/Storage: 8GB/128GB
• Ratings: 4.1/5 (Amazon)
• Reviews: 1,100+ (Amazon)
• Price: ₹18,999

6. Motorola Moto G82 5G: Long Battery Life Camera Phone Under Rs. 20,000

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Key Specs:

• Rear Camera: 50MP OIS + 8MP + 2MP
• Front Camera: 16MP
• Display: 6.6-inch FHD+ 120Hz pOLED
• Battery: 5000 mAh
• Processor: Snapdragon 695 5G
• RAM/Storage: 6GB/128GB

The Moto G82 5G delivers excellent camera performance backed by incredible 2-day battery life. It uses a 50MP OIS camera for blur-free photos and stable 4K videos. The 8MP ultra-wide camera has a 118-degree FOV. Night vision mode enhances low light shots.

Inside is the Snapdragon 695 5G chip for seamless photography and a large 5000 mAh battery. The phone also boasts a vibrant 6.6-inch 120Hz pOLED display. If you want a long-lasting camera phone without charging worries, the Moto G82 5G is a top choice.

• Rear Camera: 50MP OIS + 8MP + 2MP
• Front Camera: 16MP
• Display: 6.6-inch FHD+ 120Hz pOLED
• Battery: 5000 mAh
• Processor: Snapdragon 695 5G
• RAM/Storage: 6GB/128GB
• Ratings: 4.3/5 (Amazon)
• Reviews: 4,700+ (Amazon)
• Price: ₹18,999

7. Samsung Galaxy M33 5G: Good Camera Phone Under Rs. 20,000 from Samsung

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Key Specs:

• Rear Camera: 50MP + 5MP + 2MP + 2MP
• Front Camera: 8MP
• Display: 6.6-inch FHD+ 120Hz TFT LCD
• Battery: 6000 mAh
• Processor: Exynos 1280
• RAM/Storage: 8GB/128GB

Samsung’s Galaxy M33 5G delivers their trademark good camera quality at an affordable price. The 50MP main camera captures excellent details and colors in photos. Night mode makes low light photography possible. Full HD video recording quality is also very good.

An ultra-wide camera, depth camera and macro camera allow different kinds of shots. The 6.6-inch LCD with 120Hz refresh rate provides a smooth viewfinder. 6000 mAh battery life is simply incredible. For Samsung fans on a budget, it’s a great camera phone under ₹20,000.

• Rear Camera: 50MP + 5MP + 2MP + 2MP
• Front Camera: 8MP
• Display: 6.6-inch FHD+ 120Hz TFT LCD
• Battery: 6000 mAh
• Processor: Exynos 1280
• RAM/Storage: 8GB/128GB
• Ratings: 4.2/5 (Amazon)
• Reviews: 2,800+ (Amazon)
• Price: ₹18,999

8. Infinix Zero 5G: Excellent Value Camera Phone Under Rs. 20,000

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Key Specs:

• Rear Camera: 48MP + 13MP + 2MP
• Front Camera: 16MP
• Display: 6.78-inch FHD+ IPS LCD, 120Hz
• Battery: 5000 mAh
• Processor: Dimensity 900 5G
• RAM/Storage: 8GB/128GB

Despite costing just ₹17,999, the Infinix Zero 5G offers flagship grade cameras. It boasts a 48MP main sensor, 13MP telephoto camera with 3x optical zoom and 2MP depth camera. The 16MP selfie camera has dual LED flash for bright selfies at night.

Nightscape algorithms optimize low light shots. The large 6.78-inch FHD+ 120Hz display provides an engaging camera experience. With the Dimensity 900 chip, excellent photos and videos are processed quickly. Overall, the Infinix Zero 5G gives you superb camera specs at a bargain price point.

• Rear Camera: 48MP + 13MP + 2MP
• Front Camera: 16MP
• Display: 6.78-inch FHD+ IPS LCD, 120Hz
• Battery: 5000 mAh
• Processor: Dimensity 900 5G
• RAM/Storage: 8GB/128GB
• Ratings: 4.2/5 (Amazon)
• Reviews: 19,000+ (Amazon)
• Price: ₹17,999

9. iQOO Z6 5G: One of the Best Camera Phones Under Rs. 15,000

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Key Specs:

• Rear Camera: 50MP + 2MP
• Front Camera: 16MP
• Display: 6.58-inch FHD+ IPS LCD, 120Hz
• Battery: 5000 mAh
• Processor: Snapdragon 695 5G
• RAM/Storage: 6GB/128GB

The iQOO Z6 5G punches well above its weight class with its excellent camera setup. The primary 50MP sensor captures lots of detail and manages good dynamic range. Night mode makes low light photography possible. The 16MP selfie camera reproduces natural skin tones.

Inside, the Snapdragon 695 chip enables advanced photography software and intelligent camera features. The large 5000 mAh battery supports hours of shooting. At just ₹15,999, the iQOO Z6 5G offers flagship-level camera hardware and performance.

• Rear Camera: 50MP + 2MP
• Front Camera: 16MP
• Display: 6.58-inch FHD+ IPS LCD, 120Hz
• Battery: 5000 mAh
• Processor: Snapdragon 695 5G
• RAM/Storage: 6GB/128GB
• Ratings: 4.1/5 (Amazon)
• Reviews: 9,000+ (Amazon)
• Price: ₹15,999

10. Redmi Note 11T 5G: Budget 5G Camera Phone Under Rs. 15,000

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Key Specs:

• Rear Camera: 50MP + 8MP
• Front Camera: 16MP
• Display: 6.6-inch FHD+ LCD, 90Hz
• Battery: 5000 mAh
• Processor: Dimensity 810 5G
• RAM/Storage: 6GB/128GB

Despite its low price, the Redmi Note 11T 5G delivers competitive camera performance. It uses a 50MP night camera with f/1.8 aperture for detailed daytime and low light shots.

The 8MP ultra-wide camera has a 118° field of view for capturing wider scenes and landscapes. For selfies, a 16MP front camera reproduces natural skin tones.

Night mode and AI algorithms optimize image quality in different conditions. The phone is powered by MediaTek’s Dimensity 810 5G chip for great photography capabilities at an affordable price. Other useful specs include the 6.6-inch 90Hz LCD, 5000 mAh battery and up to 8GB RAM.

Overall, the Redmi Note 11T 5G delivers excellent camera quality for a sub-₹15,000 5G smartphone. It’s a great budget pick for photography.

• Rear Camera: 50MP + 8MP
• Front Camera: 16MP
• Display: 6.6-inch FHD+ LCD, 90Hz
• Battery: 5000 mAh
• Processor: Dimensity 810 5G
• RAM/Storage: 6GB/128GB
• Ratings: 4.1/5 (Amazon)
• Reviews: 35,000+ (Amazon)
• Price: ₹14,999

11. Vivo T1 5G: Smooth Camera Performance Under Rs. 20,000

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Key Specs:

• Rear Camera: 50MP + 2MP
• Front Camera: 16MP
• Display: 6.58-inch FHD+ IPS LCD, 120Hz
• Battery: 5000 mAh
• Processor: Snapdragon 695 5G
• RAM/Storage: 4GB/128GB

Although it has only dual rear cameras, the Vivo T1 5G takes impressive photos and videos. The 50MP main sensor captures lots of detail with balanced colors and exposure. Night mode brightens up low light shots.

Inside is a Snapdragon 695 chip which enables smooth photography operation and intelligent camera features. The 16MP selfie camera reproduces natural skin tones. Other assets include the 120Hz LCD, 5000 mAh battery and up to 8GB RAM.

For its price, the Vivo T1 5G delivers really good camera performance for both photos and videos. Clean software also leads to a great shooting experience.

• Rear Camera: 50MP + 2MP
• Front Camera: 16MP
• Display: 6.58-inch FHD+ IPS LCD, 120Hz
• Battery: 5000 mAh
• Processor: Snapdragon 695 5G
• RAM/Storage: 4GB/128GB
• Ratings: 4.1/5 (Amazon)
• Reviews: 3,300+ (Amazon)
• Price: ₹14,999

12. Motorola Moto G71 5G: Excellent Camera Phone Under ₹17,000

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Key Specs:

• Rear Camera: 50MP OIS + 8MP + 2MP
• Front Camera: 16MP
• Display: 6.5-inch FHD+ OLED, 120Hz
• Battery: 5000 mAh
• Processor: Snapdragon 695 5G
• RAM/Storage: 6GB/128GB

Despite its low price, the Moto G71 5G delivers a flagship grade camera setup. The phone uses a 50MP OIS sensor with f/1.8 aperture for superb shots. Additional ultrawide and macro lenses provide flexibility. Night vision mode brightens up low light photos.

The 16MP selfie camera excels at portrait selfies. Inside is the Snapdragon 695 chip for optimized camera algorithms and image processing. The phone also features a premium 6.5-inch 120Hz OLED display and 5000 mAh battery. For under ₹17,000, the Moto G71 5G is truly a fantastic camera phone.

• Rear Camera: 50MP OIS + 8MP + 2MP
• Front Camera: 16MP
• Display: 6.5-inch FHD+ OLED, 120Hz
• Battery: 5000 mAh
• Processor: Snapdragon 695 5G
• RAM/Storage: 6GB/128GB
• Ratings: 4.2/5 (Amazon)
• Reviews: 4,700+ (Amazon)
• Price: ₹16,999

13. Xiaomi Redmi Note 11 Pro+ 5G: Feature-packed Camera Phone

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Key Specs:

• Rear Camera: 108MP + 8MP + 2MP
• Front Camera: 16MP
• Display: 6.67-inch FHD+ AMOLED, 120Hz
• Battery: 4500 mAh
• Processor: Mediatek Dimensity 920 5G
• RAM/Storage: 6GB/128GB

The Redmi Note 11 Pro+ 5G features one of the most advanced camera hardware in this segment. It uses a massive 108MP Samsung HM2 sensor to capture pixel-dense photos with staggering details. Night mode, AI algorithms, portrait mode all help optimize shots.

For selfies, a 16MP camera with EIS enables clear portraits even in unstable hands. The phone is powered by MediaTek’s Dimensity 920 5G chip for seamless camera performance. With the 120Hz AMOLED display, this is one of the best camera phones under ₹20,000.

• Rear Camera: 108MP + 8MP + 2MP
• Front Camera: 16MP
• Display: 6.67-inch FHD+ AMOLED, 120Hz
• Battery: 4500 mAh
• Processor: Mediatek Dimensity 920 5G
• RAM/Storage: 6GB/128GB
• Ratings: 4.3/5 (Amazon)
• Reviews: 8,700+ (Amazon)
• Price: ₹17,999

14. Realme Narzo 50 5G: Budget 5G Phone with Good Camera

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Key Specs:

• Rear Camera: 48MP + 2MP
• Front Camera: 8MP
• Display: 6.6-inch FHD+ IPS LCD, 90Hz
• Battery: 5000 mAh
• Processor: Mediatek Dimensity 810 5G
• RAM/Storage: 4GB/64GB

The Realme Narzo 50 5G is one of the cheapest 5G phones with decent camera capabilities. It uses a 48MP nightscape camera with AI enhancements. Portrait mode creates a natural depth effect. The large battery allows extended camera use.

Inside is a Dimensity 810 5G chip, ensuring good image processing power. The 90Hz LCD offers smooth viewfinder performance when framing shots. For budget buyers who want 5G connectivity plus basic photography prowess, the Narzo 50 5G delivers good value.

• Rear Camera: 48MP + 2MP
• Front Camera: 8MP
• Display: 6.6-inch FHD+ IPS LCD, 90Hz
• Battery: 5000 mAh
• Processor: Mediatek Dimensity 810 5G
• RAM/Storage: 4GB/64GB
• Ratings: 4.0/5 (Amazon)
• Reviews: 6,900+ (Amazon)
• Price: ₹14,499

15. Oppo A74 5G: Affordable 5G Phone with 48MP Camera

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Key Specs:

• Rear Camera: 48MP + 2MP + 2MP
• Front Camera: 8MP
• Display: 6.5-inch FHD+ IPS LCD, 90Hz
• Battery: 5000 mAh
• Processor: Snapdragon 480 5G
• RAM/Storage: 6GB/128GB

Oppo’s A74 5G delivers competitive camera performance at an entry-level price. It uses a 48MP nightscape camera for detailed, low noise photos in various lighting conditions. The 2MP macro lens enables closeup shots.

An 8MP selfie camera handles video calls and self-portraits well. Night mode optimizes low light photos. The phone is powered by the Snapdragon 480 5G chip for great image processing. Available under ₹15,000, the Oppo A74 5G gives excellent value for buyers looking for photography plus 5G connectivity.

• Rear Camera: 48MP + 2MP + 2MP
• Front Camera: 8MP
• Display: 6.5-inch FHD+ IPS LCD, 90Hz
• Battery: 5000 mAh
• Processor: Snapdragon 480 5G
• RAM/Storage: 6GB/128GB
• Ratings: 4.1/5 (Amazon)
• Reviews: 8,700+ (Amazon)
• Price: ₹14,990

Best Camera Phone Under 20000: Quick Comparison

Best Camera Phone Under Rs. 20,000: FAQs

Q. Which is the best camera phone under ₹20,000?

A. The Redmi Note 11T 5G is the best camera phone priced under ₹20,000. It delivers excellent image quality through its 50MP Night camera and intelligent software.

Q. Does a higher megapixel camera mean better image quality?

A. Not necessarily. Image processing, aperture size, sensor size, OIS all play a big role. A 48MP camera can take better photos than a 64MP camera if it has a better sensor and optimization.

Q. How much RAM do I need for good camera performance?

A. For smooth camera operation and processing images, 6GB or 8GB RAM is recommended. More RAM allows keeping more apps open in the background.

Q. Which processor is best for camera – Snapdragon or MediaTek?

A. Both Snapdragon and MediaTek processors offer excellent image processing capabilities. Choose as per your budget. Higher end 700 and 900 series chips will enable better photography features.

Q. Is OIS necessary for good photos?

A. Optical Image Stabilization (OIS) is very useful as it minimizes blur in photos and makes videos much more stable. But good results are still possible without OIS through EIS and software processing.

Q. Which is better – AMOLED or LCD display for camera?

A. AMOLED displays can provide a better camera preview and editing experience than LCD due to higher contrast, nicer colors and deeper blacks.

Conclusion

There are lots of excellent smartphone cameras available today in the under Rs. 20,000 category in India. Choosing the right one comes down to your priorities and budget.

If you want the absolute best camera quality, the Redmi Note 11S and Realme 9 Pro+ are top options. For 5G connectivity plus good photography, consider the Realme Narzo 50 Pro 5G or Tecno Camon 19 Pro 5G. The Poco X4 Pro 5G is a top pick for video recording.

Low light photography prowess is best in the Tecno Camon 19 Pro 5G and Realme 9 Pro+. For beautiful portrait shots, pick the Realme 9 Pro+ or Moto G82 5G. All rounders like the Redmi Note 11S, Moto G82 5G and Samsung M33 5G are also great choices.

We hope our detailed analysis comparing the top 15 best camera phones under ₹20,000 has helped you pick the best one as per your needs. Whichever phone you choose, you can be assured of getting really good camera quality these days even at affordable price points.