Big screens, steady cameras and years of updates – here are the budget Galaxy phones worth your money. Get to know how Easy EMIs from Bajaj Finance make them easier to own.
Samsung’s budget line-up in 2026 offers far more than basic calling and browsing. For under Rs. 20,000, you can now get Super AMOLED screens, 50MP cameras with optical image stabilisation, 5G connectivity, and up to six years of software support. Whether you want a phone for study, work, gaming, or photography, there is a Galaxy that fits your needs and your budget.
Paying for it is just as simple. With Easy EMIs from Bajaj Finance, you can split the price of your new Samsung phone into convenient monthly instalments through the Easy EMI Loan or the Bajaj Finance Insta EMI Card. This means you do not have to wait for a sale or dip into savings to bring home the phone you want.
Here are our top Samsung mobiles under Rs. 20,000 in India for 2026.
Samsung Galaxy M36 5G
The Galaxy M36 5G stands out for its display and long software promise. The 6.7-inch Super AMOLED panel refreshes at 120Hz, making scrolling and video playback feel smooth. The 50MP main camera includes optical image stabilisation, which is uncommon at this price and helps with low-light shots. Samsung also commits to six generations of Android upgrades, so the phone stays current for years.
| Feature | Samsung Galaxy M36 5G |
| Display | 6.7-inch Super AMOLED, 120Hz |
| Processor | Exynos 1380 |
| RAM and storage | 6GB/8GB with 128GB/256GB |
| Rear camera | 50MP (OIS) + 8MP + 2MP |
| Front camera | 13MP |
| Battery | 5,000 mAh with 25W charging |
Samsung Galaxy F36 5G
The Galaxy F36 5G shares much of its hardware with the M36 but adds a distinctive vegan leather finish on the back, giving it a premium look and a comfortable grip. Its camera setup leans on AI-powered editing tools and strong low-light performance, making it a sensible choice for casual photographers who want good results without effort.
| Feature | Samsung Galaxy F36 5G |
| Display | 6.7-inch Super AMOLED, 120Hz |
| Processor | Exynos 1380 |
| RAM and storage | 6GB with 128GB |
| Rear camera | 50MP (OIS) triple camera |
| Front camera | 13MP |
| Battery | 5,000 mAh with 25W charging |
Samsung Galaxy M17 5G
If your budget is geared more towards Samsung mobiles under Rs. 15,000, the Galaxy M17 5G delivers strong value. Its 6.7-inch Super AMOLED display runs at 90Hz, and the slim, lightweight body makes it easy to use one-handed. The 50MP main camera with optical image stabilisation and the 13MP selfie camera covers everyday photography well, while the 5,000 mAh battery comfortably lasts a full day.
| Feature | Samsung Galaxy M17 5G |
| Display | 6.7-inch Super AMOLED, 90Hz |
| Processor | Exynos 1330 |
| RAM and storage | 4GB/6GB/8GB with 128GB |
| Rear camera | 50MP (OIS) + 5MP + 2MP |
| Front camera | 13MP |
| Battery | 5,000 mAh with 25W charging |
Samsung Galaxy M16 5G
The Galaxy M16 5G is the most affordable pick on this list, yet it does not feel stripped back. You still get an AMOLED display, a 50MP main camera, and Samsung’s promise of six Android upgrades and six years of security patches. For students and first-time smartphone buyers, it offers a dependable experience at a modest price.
| Feature | Samsung Galaxy M16 5G |
| Display | 6.7-inch AMOLED, 90Hz |
| Processor | MediaTek Dimensity 6300 |
| RAM and storage | Up to 8GB with 128GB |
| Rear camera | 50MP + 5MP + 2MP |
| Front camera | 13MP |
| Battery | 5,000 mAh with 25W charging |
Prices of the smartest Samsung mobiles under Rs. 20,000
Prices for these models vary by retailer, storage variant, and ongoing offers. The table below lists approximate market prices in India as of July 2026 for the base variants.
| Model | Approximate price |
| Samsung Galaxy F36 5G | Rs. 19,999 |
| Samsung Galaxy M36 5G | Rs. 18,999 |
| Samsung Galaxy M17 5G | Rs. 15,999 |
| Samsung Galaxy M16 5G | Rs. 11,499 |
Disclaimer: Prices are subject to change. Please check the official website for the most accurate and up-to-date information.
Buy your Samsung phone on Easy EMIs from Bajaj Finance
Once you have picked your phone, buying it is straightforward. Bajaj Finance has a wide network of 1.5 lakh+ partner stores across India, covering 4,000+ cities, so you can walk into a store near you, check out the phone in person, and take it home the same day.
Here is how to buy on Easy EMIs:
- Visit your nearest Bajaj Finance partner store with your basic KYC documents.
- Choose the Samsung phone you want to buy.
- Share your details with the store representative to check your loan offer amount of up to Rs. 5 lakh on the Easy EMI Loan, or up to Rs. 3 lakh on the Insta EMI Card.
- Pick a tenure between 3 and 60 months that suits your monthly budget.
- Complete the paperwork and walk out with your new phone.
Current offers make the deal even better:
- Zero down payment on select models
- EMIs starting from Rs. 830
- Flexible tenures ranging from 3 to 60 months
- Up to 60% off the price of select phones
With these Samsung phones and Easy EMIs from Bajaj Finance, a capable 5G smartphone in 2026 is well within reach. Visit a partner store today and choose the Galaxy that works for you.