Flagship phones are getting expensive every passing year, and the price segment ranging between Rs 30,000 to Rs 40,000 is now being referred to as mid-range. This year, Xiaomi OnePlus, Realme, Vivo, and OPPO have interesting products lined up and the segment isn’t as barren as it used to be. 

If you have a budget of under 40k, you can still expect premium design, best in class performance, a decent camera, and a flagship-grade experience. We have curated the list of best smartphones under Rs. 40,000 which you can consider in 2020.

Best Phones under Rs 40,000 to buy in India

In 2020, 40K can get you premium design, decent (but not flagship-grade) cameras, fast charging, and even Snapdragon 865 series chipsets. Here are the best options that you can choose from. 

1. Xiaomi Mi 10T/ Mi 10T Pro

Xiaomi Mi 10T and Mi 10T Pro are both strong contenders for best phones under Rs 40,000. You may choose whichever suits your bill. Both of them come with a 6.67-inch FHD+ LCD display with Corning Gorilla Glass 5 protection. There is AdaptivSync which switches between 30Hz to 144Hz refresh rates based on the content you are consuming on screen. It also ensures battery efficiency. Speaking of which, the phones carry a 5000mAh battery that supports 33W fast charging.

Both the phones run on Snapdragon 865 processor with MIUI 12 (based on Android 10), LPDDR5 RAM, and UFS 3.1 storage. The front camera is a 20MP sensor on both. The key difference between the two is, however, in the rear camera department. While the Pro sports a 108MP+13MP+5MP cam setup, the standard variant houses a 64MP+13MP+5MP triplet by the back. 

Display: 6.67-inch FHD+ LCD 144Hz | Processor: Qualcomm Snapdragon 865 octa-core CPU  | RAM: up to 8GB| Storage: 128GB | Software: Android 10 (MIUI 12) | Rear camera: 108MP + 13MP + 5MP (Mi 10T Pro) 64MP + 13MP + 5MP (Mi 10T) | Front camera: 20MP | Weight: 218g (Mi 10T Pro), 216g (Mi 10T) | Dimensions: 165.1 x 76.4 x 9.3 mm |Battery: 5000mAh

2. OnePlus 8T

OnePlus 8T is technically a little beyond the 40k mark, but if you are vigilant you should be able to score the base 8GB RAM variant at a discounted price during festive sales. The 8 looks very premium and it’s powered by Snapdragon 865 octa-core chipset with LPDDR4x RAM and UFS 3.1 storage.


What you are getting here is fast and smooth performance, coupled with Android 11 based OxygenOS 11 that looks clean and closer-to-stock-Android. The cameras and battery mileage are quite decent too. 

Display: 6.55-inch FHD+ AMOLED | Processor: Qualcomm Snapdragon 865 octa-core CPU  | RAM: up to 12GB| Storage: up to 256GB | Software: Android 11 | Rear camera: 48MP + 16MP + 5MP + 2MP | Front camera: 16MP | Weight: 188g | Dimensions: 160.7 x 74.1 x 8.4 mm |Battery: 4500mAh

If the OnePlus 8T feels a little too expensive, you can also opt for the OnePlus 7T.

3. iPhone SE

Apple iPhone SE is a repackaged iPhone 8 stuffed with modern guts. It has a capable chipset and a capable rear camera. You may buy it if you’d rather prefer the iOS ecosystem over Android. 

It’s a slim and light phone with a 4.7-inch retina display and a 1821mAh battery. Other highlights include stereo speakers, fingerprint sensors, and 18W fast charging. 

Display: 4.7-inch 750 x 1334 | Processor: Apple A13 Bionic | RAM: 3GB| Storage: upto 128GB | Software: iOS| Rear camera: 12MP | Front camera: 7MP | Weight: 240g | Dimensions: 171 x 77.6 x 9.5  mm | Battery: 1821mAh

4. Google Pixel 4a

Google Pixel 4a is the bonafide camera champ under INR 40,000. And you may consider buying it for vanilla Android goodness. 

The Pixel 4a is a phone that shall grant priority access to everything Google, including Android and security updates, and it also retains an Audio jack. The hardware might not be as alluring for the price in India, but the experience trumps the specs on paper. 

Display: 5.81-inch Full HD+ OLED | Processor: Snapdragon 730G SoC | RAM: 6GB | Storage: 128GB | Software: Android 11 | Rear camera: 12.2MP | Front camera: 8MP | Battery: 3140mAh | Weight: 143g | Dimensions: 144 x 69.4 x 8.2 mm

5. iQOO 3

iQOO, Vivo’s disruptive sub-brand, debuted in India with the iQOO 3 (review). It is currently the cheapest phone with Snapdragon 865 chipset in India. The iQOO 3 comes in three configurations with up to 12GB LPDDR5 RAM and up to 256GB UFS 3.1 storage.

iQOO 3 review cover photo

The top variant has 5G support, while the other two are 4G LTE enabled. This is essentially a gaming phone and iQOO also throws in air-triggers that are quite helpful in FPS games. Other highlights include AMOLED display, 4400mAh battery with 55W charging, and decent performing quad-rear cameras.

Display: 6.44-inch FHD+ AMOLED | Processor: Qualcomm Snapdragon 865 octa-core CPU  | RAM: up to 12GB| Storage: up to 256GB | Software: Android 10 | Rear camera: 48MP + 13MP + 13MP + 2MP | Front camera: 16MP | Weight: 208g | Dimensions: 158.5 x 74.9 x 9.2 mm |Battery: 4400mAh

ALSO READ: 10 Best Phones Under Rs 30,000 You Can Buy In 2020

6. Realme X50 Pro 5G

The Realme X50 Pro 5G (review) offers Snapdragon 865 at a disruptive price point. The SoC is further paired with fast UFS 3.0 storage and LPDDR5 RAM, making it an excellent gaming device.

Realme X50 Pro 5G Review


We also noticed notable improvements in display quality and camera performance. The Realme X50 Pro 5G has a frost-finish Gorilla Glass 5 back and feels quite premium in spite of its big and bulky profile. If the idea of buying the latest Qualcomm flagship chip for a bargain price is what excites you, the Realme X50 Pro is definitely worth considering.

Display: 6.44-inch FHD+ AMOLED (90Hz) | Processor: Qualcomm Snapdragon 865 octa-core | RAM: up to 12GB| Storage: up to 256GB | Software: Android 10 | Rear camera: 64MP + 12MP + 8MP + 2MP | Front camera: 32MP | Weight: 205g | Dimensions: 159 x 74.2 x 8.9 mm |Battery: 4200mAh

You may also check out Realme X3 Superzoom (review).

7. Vivo X50 

Vivo X50 is one of the best looking Android phones we have come across this year. The Pro variant gets a curvier display and the amazing gimbal camera, but the X50 is available at a much more competitive price. 

To start with, it’s remarkably handy. The handset is just 7.6mm thick and weighs only 174.5 grams.  And it’s a 5G phone that employs Snapdragon 765 octa-core chipset and it’s got a good quality 90Hz AMOLED display. Camera performance is also above average when compared to other phones in this budget. 

Display: 6.56-inch FHD+ AMOLED (90Hz) | Processor: Qualcomm Snapdragon 865 octa-core | RAM: 8GB| Storage: up to 256GB | Software: Android 10 | Rear camera: 48MP + 13MP + 8MP + 5MP | Front camera: 16MP | Weight: 174.5g | Dimensions: 159.5 x 75.4 x 7.6 mm |Battery: 4200mAh

8. Samsung Galaxy S10 Lite

Samsung usually retails its previous generation flagships in the under 40K price segment, but right at the start of 2020, the brand launched two outlandish options – Galaxy S10 Lite (review) and Galaxy Note 10 Lite – tailor-made to take on reigning flagship killers.

The Galaxy S10 Lite has a 6.7-inch HDR 10 AMOLED display, runs Android 10-based OneUI, and is the first Samsung phone in India to be powered by Qualcomm’s top tier series-8 chipset.

Display: 6.7-inch Full HD+ AMOLED | Processor: Snapdragon 675 SoC | RAM: up to 6GB | Storage: up to 512GB | Software: Android 10.0 | Rear camera: 48MP + 12MP + 5MP | Front camera: 32MP | Battery: 4500mAh | Weight: 186g | Dimensions: 162.5 x 75.6 x 8.1 mm 

9. Samsung Galaxy Note 10 Lite

Samsung Galaxy Note 10 Lite (review) is a lite phone that you may consider if you value an S Pen. The Bluetooth-enabled stylus could be a handy tool, but not indispensable unless if it’s a professional requirement.


The Galaxy Note 10 Lite is powered by a Samsung Exynos 9810 octa-core chipset paired with up to 8GB RAM and 128GB of UFS 2.1 storage. The handset comes with a 4500mAh battery and is available in attractive color options.

Display: 6.7-inch Full HD+ AMOLED | Processor: Snapdragon 855 SoC | RAM: upto 8GB | Storage: 128GB | Software: Android 10 | Rear camera: 48MP + 12MP + 5MP |Front camera: 32MP | Battery: 4500mAh | Weight: 187g | Dimensions: 164.3 × 76.7× 7.9 mm 

10. OPPO Reno4 Pro

OPPO Reno4 Pro brandishes a gorgeous design and has an HDR10 compliant AMOLED display. The Snapdragon 720G octa-core chipset falls a bit short of what other OEMs are offering in the same budget, but it should still suffice for moderate users. 

Best 5g Phones in India

Reno4 Pro has a 48MP sensor led quad rear camera system and a 32MP front camera. 

Display: 6.5-inch (19.5:9) Full HD+ AMOLED (90Hz)| Processor: Snapdragon 720G SoC | RAM: up to 8GB | Storage: 256GB | Software: Android 10 | Rear camera: 48MP+13MP+5MP | Front camera: 20MP | Dimensions: 160.2 x 73.2 x 7.7 mm | Battery: 4000mAh

ALSO READ: 8 Best Phones Under Rs 50,000 To Buy In 2020

11. Asus 6Z (Zenfone 6)

Asus 6Z (Review) is another Snapdragon 855 powered handset that offers a premium experience and top-shelf hardware, without digging a big hole in your pocket. If you are firm on not buying Chinese products, this is a good option you could consider. 

This one also has a swanky flip rear camera that enables Asus to use a full notch-less screen. The Zenfone 6 houses a massive 5000mAh battery, retains Audio Jack, has stereo speakers and runs the new Zen UI that is closer to stock than ever before.

Display: 6.4-inch 1080 x 2340 | Processor: 2.5 GHz Octa-Core Snapdragon 855 | RAM: up to 8GB | Storage: 128GB, expandable up to 512GB | Software: Android 10 | Rear camera: 48MP +13MP | Weight: 190g | Dimensions: 159.1 x 75.4 x 9.2 mm | Battery: 5000mAh

Note that at the time of writing this article, Asus 6Z was out of stock. However, you may keep an eye on this one, if in case it comes back in store.

Top 10 Phones Under Rs 40,000 in 2020

That concludes our list of best smartphones under Rs 40,000 in India. More and more consumers are willing to stretch their smartphone budgets these days, and that’s because our phones are no longer just frivolities. A number of necessary daily tasks are carried out on phones and young consumers value the premium experience more than ever before.

If you are willing to expand your budget by another 5K, here are other three options that you may consider:

In case you are wondering about 5G phones available under Rs 40,000, you’ve got options like the Mi 10T, OnePlus 8T, Realme X50 Pro, iQOO 3’s top variant, and Vivo X50. 

Here’s is the list of top Phones Under Rs 40,000 in India in 2020

Best Phone Under ₹40,000

Price (In Indian Rupees)

Xiaomi Mi 10T


OnePlus 8T


iPhone SE


Google Pixel 4a


iQOO 3


Realme X50 Pro


Vivo X50


Samsung Galaxy S10 Lite


Samsung Galaxy Note 10 Lite


OPPO Reno4 Pro


Asus 6Z




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    • Hi Ashish, the phone is always accompanied by a cashback offer of up to 8000 INR that reduces the effective price. During Sales (that happen once in two or three months) the phone retails for as low as 35K. If you are interested, we recommend that you wait for price drop.


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