Best Smartphones Under ₹30,000 in India You Can Buy on EMI

The various brands paired with EMI purchases mean you have plenty of options for smartphones under ₹30,000. Brands like Redmi, Motorola, Realme, and Xiaomi offer a range of products with excellent features and value for money. Let’s look at the best smartphone options under ₹30,000 you can purchase on EMI.

Best Smartphone Picks Under ₹30,000 in India

Let’s look at some choices that you can purchase with a Consumer Durable Loan EMI or an EMI card. While some of these models have listed MRP rates slightly above ₹30,000, all-season brand discounts and e-commerce sales make it easy to grab them within your ₹30,000 budget.

1. Nothing Phone (2a)

Launched in 2024, the Nothing Phone (2a) is popular for its eye-catching design and clever features, standing out with its signature transparent body and unique Glyph Interface. The dual 50MP camera setup is impressive for the price, while Truelsens Engine’s AI algorithms enhance user experience. Plus, it runs on the custom-tuned MediaTek Dimensity 7200 Pro processor, ensuring a smooth experience for everyday tasks and gaming.

Price: Starting at ₹23,999 (with current discounts)

Key Features:

• Processor: MediaTek Dimensity 7200 Pro chipset, up to 12GB RAM
• Battery: 5,000mAh battery with 45W fast charging support
• Camera: Dual 50MP camera setup, 32MP front camera
• Software: Nothing OS based on Android 14

Also Read: How Can I Buy a New Phone on Easy EMI

2. Realme 14 Pro 5G

Launched in January 2025, the Realme 14 Pro 5G offers excellent build quality and all-around performance at an attractive price point. Its large battery means you won’t have to charge it often, and the quad-curved display offers a sleek user experience. It was the first in its class to support 120FPS across three major global games, and the 6,000 mm² VC Cooling System gives it an edge over the rest when it comes to the gaming experience.

Price: Starting at ₹24,999

Key Features:

• Processor: Dimensity 7300 Energy 5G chipset with up to 8GB RAM
• Battery: 6,000mAh battery with 45W fast charging
• Camera: 50MP Sony IMX882 primary camera, 16MP front camera; triple flash
• Software: Android 15 with Realme UI 6.0

3. Redmi Note 13 Pro+ 5G

If you’re looking for flagship-level features at a pocket-friendly price, the Redmi Note 13 Pro+ 5G is perfect for you. This model shines with its impressive 200MP camera system and excellent build quality, making it ideal for anyone keen on capturing photographs and videos.

Price: Starting at ₹24,690

Key Features:

• Processor: MediaTek Dimensity 7200 Ultra 5G chipset (4nm) with up to 12GB RAM
• Battery: 5,000mAh battery with 120W HyperCharge (0-100% in just 19 minutes)
• Camera: Triple camera system: 200MP Samsung primary sensor, 8MP ultrawide lens, 2MP macro camera; 16MP front camera
• Software: MIUI 14 based on Android 13

Also Read: How to Choose the Best Mobile Finance Option for Your Budget in India

4. Motorola Edge 60 Pro

The Motorola Edge 60 Pro brings premium features wrapped in a durable, elegant design. The IP68/IP69 ratings attest to durability, and the telephoto lens 3x optical zoom makes it perfect for photography enthusiasts. Plus, it has wireless charging, a rare feature at this price.

Price: Starting at ₹27,033 (currently available with discounts)

Key Features:

• Processor: MediaTek Dimensity 8350 Extreme chipset for smooth performance
• Battery: 6,000mAh battery, 90W wired fast charging and 15W wireless charging
• Camera: Triple camera setup with 50MP Sony LYTIA 700C main sensor, 50MP ultrawide, and 10MP telephoto
• Software: Hello UI over pre-installed Android 15

5. Vivo T3 Ultra

Another model that brings flagship-grade performance to the mid-range segment, the Vivo T3 Ultra has a bunch of exciting features. The MediaTek Dimensity 9200+ chipset promises seamless performance, while the 80W FlashCharge ensures you’re never missing out. It’s an excellent choice for gamers and users who refuse to compromise on performance.

Price: Starting at ₹27,999

Key Features:

• Processor: MediaTek Dimensity 9200+ flagship chipset
• Battery: 5,500mAh battery, 80W FlashCharge (0-100% in just 56 minutes)
• Camera: 50MP Sony IMX921 primary sensor, impressive 50MP front camera
• Software: Funtouch OS based on Android 14

Also Read: Realme 15 5G Festive Sale 2025: Special Discounts & Easy Consumer Durable Loans

To Conclude

Buying a feature-packed mobile phone for under ₹30,000 has never been easier. With a wide range of budget-friendly devices offering top-tier features, you don’t need to compromise. Thanks to the flexible Consumer Durable Loan from Poonawalla Fincorp, you can now easily get mobile phones on EMI. Apply today!

FAQs

Can I buy a smartphone on EMI without a credit card?

Yes, with a Consumer Durable Loan, you can buy a smartphone on EMI without needing a credit card. Many lenders offer this facility with minimal documentation.

Can I use a Consumer Durable Loan to buy other electronics?

Absolutely! Besides smartphones, you can use a Consumer Durable Loan to buy laptops, TVs, washing machines, refrigerators, and more.

What happens if I miss an EMI payment?

Missing an EMI can lead to penalty charges and may negatively impact your credit score. It’s important to choose a tenure that fits your budget.