Your phone is more than a style statement. It helps you keep in touch with your loved ones, stay up-to-date with current affairs, manage work schedules even from remote locations, saves you  from boredom with entertainment from videos and games, achieve fitness goals and much more.

But, getting that coveted budget smartphones could be tricky. So, here’s what you can do. You may consider purchasing the phone on no cost EMIs. This facility is offered by experienced NBFCs who offer custom deals and even pre-approved offers to match your budget. 

First, let me share with you few phones under Rs. 20,000.

#1. Samsung J7 Max 32 GB Black

It offers an HD display and resolution of 1920 x 1080p. It comes with a 5.7-inch diagonal PLS capacitive touchscreen with 386 ppi density and 16:9 aspect ratio. Its internal memory of 32GB along with 4GB of RAM (primary memory) can be expanded to 256GB via a SD card slot. It boasts of a 13 MP front and 13 MP rear camera with a rear aperture of f1.7 and front aperture of f1.9. It lets you click in low-light settings.  

#2. Xiaomi Redmi Note 5 Pro 64 GB

Its additional features include a fingerprint Scanner, Ambient Light Sensor, E Compass, Accelerometer, Hall Sensor, Proximity Sensor, Gyroscope, 14 nm Architecture Processor, Internal Memory - eMMC v5.1, Body - Metal Back, IR Blaster, Charger - 5 V x 2 A. It has a dual-rear camera setup and bezel-less display. The 4,000mAh battery is quite large to last through the day or even more.

Based on your preferences you can check these value for money smartphone models from partner stores on your EMI card. The process requires minimum documentation. This way you can make the purchase at your own convenience online or offline and pay for it in easy instalments.