Top VIVO Phones Under ₹20,000 You Can Buy With an NBFC Loan In 2025

Vivo is a popular smartphone brand in India known for its design, performance, and camera quality. So far in 2025, Vivo has shipped 97 lakh units to India and captured 20% market share. This shows that it is leading the market where Apple, Motorola and Samsung phones are competing.

However, not everybody can pay for phones up front. This is where a Consumer Durable loan helps you buy your dream phone with ease and convenient EMIs. In this blog, we will discover a list of the 5 best Vivo mobile phones under ₹20000 you can buy in 2025 with an NBFC loan.

5 Best Vivo Mobile Phones Under ₹20000 in 2025

Here are the 5 best Vivo mobiles under ₹20,000 that provide amazing features, strong performance, and outstanding battery life:

1. Vivo T4R 5G – Best All-Rounder Vivo Phone

The Vivo T4R 5G is one of the best-value phones thanks to its well-balanced blend of performance and camera capabilities. Unlike most budget phones, the T4R 5G is powered by the MediaTek Dimensity 7400 processor, which delivers smooth performance for gaming, streaming, and multitasking.

It features a large 6.77-inch AMOLED screen with a 120Hz refresh rate, enhancing your viewing experience. It also features a 50MP primary camera and a 32MP front camera, turning every click into a visual delight.

Here are some specifications of Vivo T4R 5G:

Specification	Details
Price	₹19,499
Processor	MediaTek Dimensity 7400
Display	6.77-inch AMOLED, 120Hz
Rear Camera	50MP + 2MP
Front Camera	32MP
Battery	5700mAh
Charging	44W Fast Charging
Storage	8GB RAM + 128 GB ROM
Highlights	Bright AMOLED display, great selfies, and smooth performance

 

2. Vivo T3 5G – Best Value for Money Vivo Phone

The Vivo T3 5G is one of the most affordable phones for gaming and multitasking under ₹20,000. It is powered by the MediaTek Dimensity 7200 processor, which delivers silky-smooth performance even when gaming or using resource-intensive apps. The 6.67-inch AMOLED screen features a 120Hz refresh rate, offering an immersive visual experience. 

If you are looking for an excellent budget phone that provides the best features of a flagship phone at a reasonable price, this phone is the right pick. Check out the following specifications of Vivo T3 5G:

Specification	Details
Price	₹18,499
Processor	MediaTek Dimensity 7200
Display	6.67-inch AMOLED, 120Hz
Rear Camera	50MP + 2MP
Front Camera	16MP
Battery	5000mAh
Charging	44W Fast Charging
Storage	8GB RAM + 128 GB ROM
Highlights	Great budget phone for gaming and daily use

 

3. Vivo Y31 Pro 5G – Best Battery Life Vivo Phone

The Vivo Y31 Pro 5G is a solid choice for users seeking excellent battery life, performance, and camera quality. It features a massive 6500mAh battery with 44W fast charging, ensuring over a day of usage. Powered by the MediaTek Dimensity 7300, it handles everyday tasks smoothly. The 6.72" IPS LCD offers vivid visuals, while the 50MP triple camera captures detailed photos. With 8GB RAM, expandable storage, stereo speakers, and regular Android updates, it's one of the best battery-focused smartphones under ₹20,000. Here are some details you must be aware of:

Specification	Details
Price	₹18,999
Processor	MediaTek Dimensity 7300
Display	6.72-inch IPS LCD, 120Hz
Rear Camera	50MP + 2MP
Front Camera	8MP
Battery	6500mAh
Charging	44W Fast Charging
Storage	8GB RAM + 128 GB ROM
Highlights	Excellent battery life and strong 5G connectivity

 

4. Vivo T4x 5G – Best Budget Phone Under ₹15K

The Vivo T4x 5G offers premium features at a budget price. It’s powered by the MediaTek Dimensity 7300 and boasts a 6.72" 120Hz LCD for a smooth user experience. Its standout 6500mAh battery with 44W fast charging ensures all-day usage, even for heavy tasks.

The 50MP dual rear camera and 8MP front camera deliver sharp photos in various lighting conditions, a comfortable grip, and 2 years of software support. It’s a top pick for budget-conscious buyers seeking quality without compromise.

Specification	Details
Price	₹13,499
Processor	MediaTek Dimensity 7300
Display	6.72-inch IPS LCD, 120Hz
Rear Camera	50MP + 2MP
Front Camera	8MP
Battery	6500mAh
Charging	44W Fast Charging
Storage	6GB RAM + 128 GB ROM
Highlights	Best budget Android phone under ₹15K with great battery life

 

5. Vivo Y100 5G – Best Stylish and Compact Vivo Phone

The Vivo Y100 5G is designed for users who want performance and portability. It features a compact 6.38" 90Hz AMOLED display, ideal for one-handed use, and is powered by the MediaTek Dimensity 900 chip. The 64MP triple camera captures detailed photos and videos, while the 4500mAh battery with 44W fast charging keeps you going.

Its glass back and slim design give it a premium look and feel. Though it lacks a 3.5mm headphone jack, it still offers regular software and security updates, making it a fashionable yet affordable choice.

Specification	Details
Price	₹17,499
Processor	MediaTek Dimensity 900
Display	6.38-inch AMOLED, 90Hz
Rear Camera	64MP + 2MP + 2MP (triple camera setup)
Front Camera	16MP
Battery	4500mAh
Charging	44W Fast Charging
Storage	8GB RAM + 128 GB ROM
Highlights	Compact size, appealing design, and premium device look

 

Why Should You Buy These Phones with an NBFC Consumer Durable Loan?

Instead of paying the full amount upfront, opt for a consumer durable loan and enjoy easy EMIs while keeping your savings intact. These Vivo phones offer fast charging, great cameras, and long-lasting batteries, delivering a premium experience at an affordable price.

With a Consumer Durable Loan from Poonawalla Fincorp, get a loan up to ₹5 lakhs with low interest rates, minimal documentation, and flexible tenures up to 24 months, with instant approval.

To Conclude

The Vivo mobile phones under 20000 prove that you don't have to drain your savings or empty your wallet to get a good phone that delivers impressive performance and an excellent experience. Each of these phones offers a good battery life, high-quality cameras, and powerful performance for day-to-day use, gaming, or content creation.

Whether you need to upgrade from your very first smartphone or you need a newer model, these Vivo phones have all you could want from a good budget phone. With a consumer durable loan from Poonawalla Fincorp, you can buy your desired Vivo phone and then pay for it in easy EMIs.

FAQs

Can I buy a Vivo mobile phone for under ₹20,000 on EMI with an NBFC loan?

Yes, most NBFCs offer easy EMI options with flexible tenures for Vivo mobile phones priced under 20000, with minimal documentation required.

Which Vivo mobile phone under 20000 has the best battery life?

The Vivo Y31 Pro 5G and T4x 5G offer great battery life, both featuring large 6500mAh batteries with 44W fast charging.

Do Vivo budget phones support 5G connectivity?

Yes, all the models mentioned, including the T3, T4R, and Y200e, are budget smartphones with full 5G support.

Which Vivo model is best for gaming under ₹20,000?

The Vivo T4R, powered by the MediaTek Dimensity 7400, delivers smooth performance and a 120Hz display, making it ideal for gaming.

Do any of these Vivo phones support expandable memory or wireless charging?

Yes, models like the Vivo Y31 Pro 5G and Y39 5G feature a microSD card slot for expandable storage. However, none of these models support wireless charging.

Which Vivo mobile phone under 20000 has the best selfie camera?

The Vivo T4R 5G features a 32MP front camera, giving it an edge for selfie lovers.

Do these Vivo phones come with regular software and security updates?

Yes, Vivo ensures reliable software updates and security support for all its 5G Android devices.

Does an AMOLED display is available in Vivo phones under ₹20,000?

Yes, models like the T4R, T3, and Y100 5G feature bright AMOLED displays with high refresh rates.

Which Vivo phone offers the best design in this range?

The Vivo Y100 5G stands out for its appealing design and premium glass finish that feels like a more premium device.

Are Vivo smartphones better than Samsung Galaxy phones?

The choice depends on user priorities: Samsung phones are often seen as better all-rounders with strong performance, while Vivo phones excel in specific areas, such as camera quality, especially in low light.