Top 5 Phones Under Rs 20,000 (Jan 2026): CMF Phone 2 Pro, Motorola G96 5G & More

• This guide highlights the best smartphones available in India under Rs 20,000 as of January 2026, offering premium features despite recent price increases.
• Featured phones include Motorola G96 5G, CMF Phone 2 Pro, Poco X7 5G, Realme Narzo 80 Pro 5G, and iQOO Z10x 5G, all equipped with 256 GB storage.
• Key features across these models include high refresh rate displays, 5G connectivity, ample processing power, and advanced camera systems with OIS.
• The Motorola G96 5G offers a stock Android UI, 144 Hz pOLED display, Snapdragon 7s Gen 2, and IP68 rating.
• CMF Phone 2 Pro stands out with its unique design, dual 50MP cameras (including telephoto), Dimensity 7300 Pro, and 3 major OS updates.

Why It Matters: Even after sales, several feature-rich smartphones under Rs 20,000 offer premium specs and 256GB storage.