Top Smartphones You Can Actually Afford in 2026: The Ultimate Easy EMI Buying Guide
Smartphones have come a long way. Features that were previously only reserved for flagship smartphones like curved displays, AI capabilities, silicone-carbon batteries with higher capacity, telephoto lenses, and performance that can handle anything you throw at it are now accessible to everyday users who do not want to spend big on a phone. But that’s not the only reason a common man for whom a smartphone is a tool and not a luxury can now enjoy these flagship features; it’s also because now we have attractive offers and flexibility to opt for the phone we like with affordable Equated Monthly Installments (EMI) which also make more sense due to rising component costs and advanced silicon manufacturing driving retail prices upward, paying the entire sticker price upfront is no longer the most practical option.
Right now, two convenient options for such purchases are the Bajaj Finance Insta EMI Card and Easy EMI Loan. Financing a new handset with Bajaj Finance enables consumers to convert a hefty one-time expenditure into manageable, bite-sized monthly installments. The Insta EMI Card offers a credit limit of up to Rs. 3 lakh. For higher-value purchases, the Easy EMI Loan provides financing of up to Rs. 5 lakh with flexible repayment tenures from 3 to 60 months, subject to eligibility. Zero down payment is also available on select products.
But choosing the right financing option is just the start. The Indian smartphone market is
crowded, and Bajaj Finance offers financing options on a vast range of smartphones. With the Insta EMI Card and Easy EMI Loan, you have the flexibility to choose a phone that suits your needs without managing the entire cost upfront. So here are 10 top smartphones you can purchase using Bajaj Finance financing options that offer excellent value for money.
Table of Contents
OPPO Reno 16 5G: Best portrait cameras in slim body
The OPPO Reno 16 continues to be one of the best studio-centric portrait smartphones. It features a dedicated 50MP periscope-style 3.5x telephoto sensor paired with computational Bokeh Flare algorithms; the Reno 16 can capture portraits with natural edge separation and pleasing optical background compression.
But that’s not it; at just 8.22mm in thickness and weighing 188 grams, it offers refined handheld ergonomics. The starry-textured matte glass back resists fingerprint smudges while providing a subtle shimmer under ambient lighting.
But there’s one thing we find a bit annoying with the OPPO Reno 16 5G. Even though we can disable or uninstall pretty much every one of them, the OPPO Reno 16 5G has many ads throughout the UI. These ads are in the form of various recommendations, pre-loaded apps, and services like lock-screen glance.
But again, all of these ads can be disabled or removed altogether. OPPO’s Reno 16 5G is a great phone all-in-all. It is currently available at Rs 67,999, and you can get it just for Rs 2,833/Month with Bajaj’s Easy-EMI option.
Check out Easy EMIs for the OPPO Reno 16 5G here.
Motorola G77 Power 5G: Best Battery Phone
The Motorola G77 Power 5G is built for users with long days who do not want to carry chargers or power banks around. Its 7,000mAh silicon-enhanced battery pack consistently delivers two full days of heavy screen-on time, easily logging 11 to 12 hours across mixed workloads, navigation, and streaming.
The Dimensity 6400 SoC delivers consistent daily multitasking paired with 8GB of LPDDR4X RAM. The 50MP primary sensor features Phase Detection Autofocus (PDAF), a welcome inclusion at this price bracket that aids low-light street photography.
However, there are just a couple of nitpicks we feel are pulling the phone back. One of which is the 30W charging speed. It just does not feel enough for a massive 7000mAh battery as it takes close to an hour and a half (1 hour and 24 minutes in our experience) to charge, and the weight. The phone feels heavier than anything else on the market with its 215-gram weight, thanks to the massive battery in the back.
Other than that, the Motorola G77 5G is just perfect for users looking in the budget segment. It’s priced at Rs 25,999 with EMI on Bajaj Finserv starting at just Rs 2,165/Month for no-cost EMI.
Check out Easy EMIs for the Motorola G77 Power 5G here.
OnePlus Nord 6 5G: The No-Brainer Mid-range Powerhouse
OnePlus has been setting standards with the Nord series, especially the OnePlus Nord 6 5G. Equipped with Qualcomm’s Snapdragon 8s Gen 4 and an expansive 33,147mm² heat dissipation area, the Nord 6 maintains its performance during heavy tasks without throttling.
The 9,000mAh high-density battery recharges from 1% to 100% in approximately 70 minutes via the bundled 80W SuperVOOC adapter. The brushed aluminum mid-frame and signature Alert Slider enhance the device’s tactile feel.
Nord 6 does fall short on the camera end, especially with its tiny 8MP ultra-wide-angle rear lens. But it makes up for it with its price-to-performance ratio. The OnePlus Nord 6 5G is priced at Rs 50,999, but you can get it just for Rs 3,400/Month with Bajaj’s Easy EMI option at no extra cost.
Check out Easy EMIs for the OnePlus Nord 6 5G here.
Google Pixel 10 5G: The Ultimate Clean AI & Computational Camera Phone
The Google Pixel 10 continues Google’s tradition of offering one of the smartest, most refined smartphone experiences on the market. Built around Google’s custom TSMC 3nm-fabricated Tensor G5 processor and paired with a generous 12GB of RAM, the Pixel 10 handles daily on-device generative AI workloads, real-time live translation, and voice dictation effortlessly.
Its 6.3-inch Actua OLED display offers an adaptive 120Hz refresh rate and reaches up to 3,000 nits of peak brightness, delivering exceptional outdoor legibility under harsh afternoon sun. When it comes to photography, the 48MP Quad PD main sensor backed by Google’s computational imaging algorithms captures class-leading dynamic range, true-to-life skin tones with Real Tone, and stunning low-light shots using Night Sight.
However, there are a few practical trade-offs to keep in mind. While Google has tried to significantly optimise thermal efficiency on the Tensor G5, extreme sustained 3D gaming still pushes the phone to throttle earlier than Snapdragon-powered options. Furthermore, the 30W wired charging speed feels on the slower side for a premium device for 2026 standards, taking about an hour and a half for a complete top-up. The inclusion of a dedicated 5x telephoto lens also means zoom shots beyond 5x no longer rely entirely on computational crop.
The Google Pixel 10 5G (12GB RAM / 256GB Storage) is priced at Rs 74,999, and you can bring it home on Easy EMI starting at just Rs 1,806/Month with Bajaj Finance.
Check out Easy EMIs for the Google Pixel 10 5G here.
Xiaomi 17T: Leica Phone for Shutter Bugs
The Xiaomi 17T makes authentic flagship photography accessible without crossing into ultra-premium pricing. Featuring a triple-camera system co-engineered with Leica–headlined by a 50MP Leica Summilux main camera and a dedicated 50MP portrait telephoto lens–it lets you switch between Leica Authentic and Leica Vibrant color profiles for contrast-rich, filmic results straight out of the camera.
Apart from a good camera under the hood, the 17T is powered by the MediaTek Dimensity 8500-Ultra platform, which delivers swift app launches, smooth multi-window multitasking, and solid gaming performance. You also get a vivid 6.59-inch 1.5K CrystalRes AMOLED display with a 120Hz refresh rate, Dolby Vision support, and full IP68 water and dust resistance.
On the flip side, Xiaomi’s HyperOS still comes preloaded with a handful of promotional application recommendations and notifications that require some manual decluttering during initial setup. Video recording on the 12MP ultra-wide sensor also gets a bit worse with softer edges and minor noise artifacts, especially when shooting in low-light environments, compared to the standout primary shooter.
The Xiaomi 17T (12GB RAM / 256GB Storage) is available at Rs 64,999 and can be purhcased with Bajaj Finance on Easy EMIs starting at approximately Rs 2,708 per month.
Check out Easy EMIs for the Xiaomi 17T here.
Nothing Phone (4a): Clean Experience and Standout Design
If you are anything like me and fatigued by generic glass-slab designs, the Nothing Phone (4a) brings refreshing character to the mid-range segment. Its transparent back panel showcases a new and updated Glyph Interface with customizable LED light strips that serve as visual timers, notification alerts, and volume indicators.
But apart from novelty Glyph lights, the Phone (4a) is a complete mid-ranger device. The front features a symmetrical 6.78-inch Flexible AMOLED display with an adaptive 120Hz refresh rate. Phone (4a) is powered by the Qualcomm Snapdragon 7s Gen 4 chipset paired with 8GB RAM, daily animations and multitasking on Nothing OS remain smooth and free of bloatware, duplicate app stores, or intrusive lock-screen ads. Its triple camera setup (main with OIS + telephoto + ultra-wide) avoids low-resolution filler sensors and produces consistent, true-to-life colors.
The only issue is ironically in its biggest novelty factor. The transparent composite back panel is prone to micro-scratches over time if used without a protective clear case. Additionally, while the 5,400mAh battery comfortably powers a full day of use, the 50W wired charging speed gets the job done; you don’t get the adapter in the box, making you spill extra Rs 2000 to Rs 4000 to get a compatible adapter that can output 50W.
The Nothing Phone (4a) (8GB RAM / 256GB Storage) retails at Rs 46,999, and you can grab it for just Rs 1,958/Month on Easy EMI with Bajaj Finance.
Check out Easy EMIs for the Nothing Phone (4a) here.
Samsung Galaxy A27 5G: Most Reliable Software Support
Let’s face the fact that no matter what dilly-dallied features brands will give, some users need a brand name that comes with trust and reliability. Which is exactly what Samsung Galaxy A27 5G is all about. Its 6.7-inch FHD+ Super AMOLED 120Hz display delivers rich contrast, vibrant colors, and deep blacks that make media streaming a treat.
Backed by the 4nm Snapdragon 6 Gen 3 processor with advanced graphics, the A27 sails through social media browsing, light photo editing, and daily office apps with ease. The 50MP main camera with OIS reliably produces crisp, share-ready photos across different lighting conditions, while Samsung’s promise of up to six years of major Android OS and security upgrades ensures peace of mind for long-term users.
But there’s a catch. Samsung continues its practice of omitting the charging brick from the box, requiring you to purchase an adapter separately if you do not already own one. The 25W maximum wired charging speed also means a full charge takes around 73 minutes. In addition, the base 6GB RAM configuration can occasionally show brief stutters if you quickly jump between multiple heavy applications and games.
The Samsung Galaxy A27 5G (6GB RAM / 128GB Storage) is priced at Rs 32,959, and is available for just Rs 1,373/Month on Bajaj Finance.
Check out Easy EMIs for the Samsung Galaxy A27 5G here.
Samsung Galaxy S25 Edge: Compact Flagship Engineering and Advanced Galaxy AI
Now, if you are in for the flagship but with the reliability and trust of a brand name, Samsung has another light and compact option: Samsung Galaxy S25 Edge. Built with an aerospace-grade Titanium frame and Gorilla Glass Ceramic 2 front glass, it minimizes reflections while offering substantial drop resistance.
Powered by the Snapdragon 8 Elite platform, the S25 Edge effortlessly handles demanding console-grade games and powers full Galaxy AI productivity tools–such as Live Call Translation, Note Assist, and Generative Photo Editing–directly on the device. Its dual camera array delivers versatile framing, while Samsung’s industry-leading 7-year OS upgrade guarantee ensures exceptional long-term value.
The trade-off for such a slim and lightweight footprint is battery endurance. The 3,900mAh cell requires a top-up by early evening if you engage in heavy GPS navigation or extensive camera usage. Furthermore, the 25W charging speed lags behind the rapid sub-30-minute charging capabilities offered by several of its competitors.
The Samsung Galaxy S25 Edge (12GB RAM / 256GB Storage) comes in at Rs 87,549, or just Rs 4,864/Month with Bajaj Finance.
Check out Easy EMIs for the Samsung Galaxy S25 Edge here.
Vivo X300 FE 5G: ZEISS Telephoto Optics and Massive Battery Life
The Vivo X300 FE brings high-end imaging hardware from Vivo’s halo X-series down to a more accessible price point. Equipped with ZEISS T* anti-reflective lens coatings and a dedicated 50MP periscope telephoto sensor with 3x optical zoom, this phone captures sharp, color-accurate portraits and distant subjects with virtually zero chromatic flare.
Powered by Qualcomm’s Snapdragon 8 Gen 5 paired with Vivo’s custom V3+ imaging chip, performance across photo rendering and gaming is swift and responsive. Under the hood, a high-density 6,500mAh BlueVolt battery easily powers through long days of 4K video recording, and the bundled 90W FlashCharge adapter gets you back to full capacity in around 55 minutes.
Where the X300 FE shows room for improvement is software refinement. OriginOS 6 includes various pre-installed utilities and notification prompts that take some time to customize.
The Vivo X300 FE 5G (12GB RAM / 256GB Storage) is priced at Rs 89,999, and can be purchased on Easy EMIs starting at Rs 3,333/Month with Bajaj Finance.
Check out Easy EMIs for the Vivo X300 FE 5G here.
Motorola Edge 70 Pro: Fastest Charging and Balanced Flagship Versatility
The Motorola Edge 70 Pro is a well-rounded premium device featuring an eye-catching Pantone-curated color options, vegan leather back, and an IP69-rated waterproof chassis. It sports a 6.8-inch 1.5K Extreme LTPO AMOLED display running at a fluid 144Hz, offering calibrated 10-bit colors. Driven by the MediaTek Dimensity 8500 Extreme processor and 12GB of RAM, the Edge 70 Pro manages intense workloads smoothly.
Its camera setup is thoroughly versatile, featuring a dual 50MP system (main with OIS, ultra-wide with macro support) alongside a 3-in-1 light sensor and a high-res 50MP front selfie camera. Charging flexibility is a major highlight, supporting 90W wired TurboPower (0-100% in ~44 minutes) and 5W reverse wired charging.
On the downside, the 6,500mAh battery is on par with the 6,000mAh+ batteries increasingly standard in 2026, meaning power users will rarely rely on those rapid charging speeds during intense days. Motorola’s pace of rolling out major Android OS updates also remains noticeably slower than Samsung or Google.
The Motorola Edge 70 Pro (12GB RAM / 256GB Storage) is priced at Rs 49,999, with Easy EMIs starting at Rs 3,200/Month.
Check out Easy EMIs for the Motorola Edge 70 Pro here.
