Top 5 Budget-Friendly XIAOMI Smartphones in 2025 You Can Buy on EMI

Finding a smartphone that offers great value without draining your pockets? The solution is Xiaomi, with its range of budget-friendly mobile phones that offer value for money. Famous for high-quality technology at low prices, Xiaomi ensures that everyone can now afford to upgrade their technology. 

In this blog, we shall explore the top 5 budget-friendly XIAOMI smartphones that can be easily bought on EMIs.

Specifications of the Recommended Budget XIAOMI Phones

The following section highlights the details of Xiaomi’s best budget variants, ideal for EMI purchase.

Note: Prices are indicative and may vary during ongoing sales or promotions.

Top 5 Xiaomi Latest Mobiles on EMI: Best Picks for Budget-Friendly Tech

Here are the top 5 latest Xiaomi phones you can buy on easy EMI for great value and performance:

1. Redmi Note 13 5G: The Complete Package

The Redmi Note 13 5G offers a user-friendly experience, backed by a spectacular AMOLED screen and a powerful processor. Its 5G connectivity ensures a smooth operation as the networks move to 5G. The camera on this device delivers excellent performance and maximum clarity in bright conditions.

Pros:

• Strong 5G connectivity
• Vibrant AMOLED display
• Long-lasting battery

Cons:

• Camera performance drops in low light.
• Some variants don’t include a charger in the box.

2. Redmi 13C: Affordable Power for the Everyday User

Looking for a budget-friendly mobile? The Redmi 13C is also an affordable alternative with a respectable feature set. The camera 50 MP takes some really nice photos in daylight, and the battery lets you stay connected for longer.

Pros:

• Ultra-affordable
• Long-lasting battery life
• Best camera for daylight shots

Cons:

• Slow charging speed
• Display resolution is not Full HD

3. Redmi 12 4G: A Stylish and Reliable Smartphone

Redmi 12 4G incorporates a high-end design and a flexible triple-camera system, which makes it stand out in the low-end category. The processor has the Snapdragon 685 chipset, which provides a seamless day-to-day performance, though intensive gaming can sometimes cause lag.

Pros:

• Stylish glass back
• Versatile triple-camera setup
• Excellent battery life

Cons:

• The processor can lag during heavy gaming.
• Lacks 5G connectivity

4. POCO M6 Pro 5G: Power-Packed on a Budget

The POCO M6 Pro 5G is a strong offer to economically conscious buyers, as it supports 5G and has a powerful processor in the form of Snapdragon 4 Gen 2. Its sleek action delivers the needs of daily use, but it is possible to note certain losses in the quality of the camera and speakers.

Pros:

• Clean user interface (though note: it comes with MIUI for POCO rather than a totally “stock Android” experience)
• Reliable 5G connectivity
• Sleek design

Cons:

• Average camera performance beyond the main sensor
• Lack of depth in speakers

5. Redmi Note 12 5G: Performance Meets Design

The Redmi Note 12 5G strikes a good balance between stylish looks and performance. Rich in AMOLED display, proven battery life, and 5G support means there's a lot to like about it as a daily driver.

Pros:

• Excellent AMOLED panel
• Efficient for everyday tasks and moderate gaming
• Regular software updates and better services

Cons:

• 33W charging is slower compared to competitors in the market 
• The camera setup is functional but lacks premium features like optical image stabilisation or high-end sensors.

How a Consumer Durable Loan Helps You Buy a New Phone?

A Consumer Durable Loan is a type of financing that allows you to purchase household or electronic items without paying the whole amount up front. It’s a convenient option if you want to upgrade to the latest mobile. This type of loan allows you to spread the cost of your Xiaomi device into easy EMIs, keeping your finances manageable.

You need basic KYC documents, such as your Aadhaar card, PAN, and mobile number, as well as repayment mandate setup details, to initiate the process. Once the lender verifies your details, the loan amount is settled with partner stores. This enables you to purchase your preferred model, whether online or offline, without any delays.

Example

If you opt for the Redmi Note 13 5G, which starts at ₹12,499:

Say, under a 6-month EMI plan at 12% annual interest:

₹2,083 per month × 6 months = ₹12,498

You get the latest Xiaomi phone in your hand without straining your finances, as the repayment is spread into affordable monthly instalments.

Benefits of Taking Up a Consumer Durable Loan

Helps avoid upfront costs, making it easier to manage your monthly expenses.

• Many lenders offer low-interest plans.
• Quick approval with simple eligibility criteria and basic documentation.
• Helps borrowers build a stronger credit history.
• Allows you to choose from a wide range of Xiaomi phones and other Android models.
• Makes your purchase affordable without impacting your savings.

Steps to Buy Mobile Phones with a Consumer Durable Loan

At Poonawalla Fincorp, applying for a Consumer Durable Loan is quick and hassle-free. Follow these simple steps:

• Check Eligibility: Verify your eligibility with the lender to qualify for the loan.
• Choose Your Product: Visit any partnered dealer or online platform associated with Poonawalla Fincorp and select your desired mobile phone.
• Prepare for Documents: Provide your digital Aadhaar-based KYC documents and repayment mandate setup details as required by Poonawalla Fincorp.
• Apply for the Loan: Fill out the loan application form, either online or through the dealer’s offline channel, and submit your documents.
• Loan Approval & Disbursement: Once your application and KYC details are verified, the loan amount is approved and directly disbursed to the dealer for your refrigerator purchase.

Read Also: 6 Benefits of a Consumer Durable Loan You Probably Didn’t Know

To Conclude

Xiaomi’s budget-friendly smartphones combine innovation, style, and performance, making cutting-edge technology accessible to everyone. Upgrade hassle-free with a Consumer Durable Loan and forget about upfront payment or the need for a credit card. Select your favourite model, take advantage of a convenient EMI plan and live smarter today.

Apply online with Poonawalla Fincorp for instant approval, affordable interest rates, and flexible loan tenures.

FAQs

Are there any hidden charges with mobile loan EMI plans?

Most EMI schemes from reputable lenders come with no hidden charges. However, it’s wise to check for any processing fees or late payment charges before applying.

Can I repay the whole loan amount early?

Yes, many lenders allow early loan repayment. However, check for the foreclosure charges in your loan agreement.

Does mobile phone EMI approval depend on my monthly income?

Yes, lenders often set a minimum income requirement for EMI approval. This ensures that the loan amount and EMIs match your repayment capacity and monthly budget.

Do Xiaomi phones come with special festive EMI offers?

Yes. During festive seasons, many lenders and retailers offer benefits like no-cost EMIs, cashback, and exclusive discounts on smartphone purchases.

What happens if my Xiaomi phone is damaged during the EMI tenure?

You remain liable to pay the EMIs. Therefore, it's wise to get insurance for your device with your EMI plan for added protection.