Top 5 No Cost EMI Phones Below 20,000: If you want to buy a 5G smartphone under ₹20,000 but spread your payment without interest, here are the 5 best phones available with reliable No Cost EMI offers in August 2025. If you are budget-conscious then definitely you’re going to love these phones.
Because it comes with amazing features, top notch design and better No Cost EMI Option. You can get more discount if you wait till Independence Day and Rakshabandhan Sale this month.
Top 5 Best No Cost EMI Phones Below 20,000 in August 2025
1. Motorola Moto G86 Power 5G
This phone is topping in our list because Flipkart prominently features a No Cost EMI plan starting at just ₹633/month for Moto G86 Power 5G, along with launch discounts and bank offers. It’s a standout deal that you should not miss.
Some Other Features and Price:
6.7-inch FHD+ LCD Display with 120 Hz refresh
Snapdragon 6s Gen‑3 Processor
50 MP + 8 MP rear and 32 MP front camera
6720 mAh battery with 68W fast charging
Current Flipkart Price: ₹19,999 and No Cost EMI starts at ₹633.
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If you are looking for a Vivo phone on No Cost EMI Option then definitely this phone is for you. Vivo T4R 5G supports a 6‑month No Cost EMI on Flipkart launch offer, combined with ₹2,000 instant bank exchange discount.
Some Other Features and Price:
6.77-inch FHD+ quad-curved AMOLED Display with 120 Hz refresh rate
MediaTek Dimensity 7400 processor with 6–12 GB RAM
5700 mAh battery with 44W charging Support
Current Flipkart Price: ₹19,499 (8 GB + 128 GB), No Cost EMI options available with ₹0 down payment
3. OnePlus Nord CE 4 Lite 5G
If you don’t want to charge your phone again and again then OnePlus Nord CE 4 Lite 5G is well-known for offering 80W FAST CHARGING and No Cost EMI with select bank cards (HDFC, SBI) under ₹18K range.
Some Other Features and Price:
6.67″ AMOLED with 120 Hz display
Snapdragon 695 processor with 8 GB RAM
50 MP rear and 16 MP front camera
5500 mAh battery with 80W charging Support
Current Flipkart Price: ₹16,999 for 8/128GB with No Cost EMI starting at 821/month.
4. Samsung Galaxy M14 5G
If you’re a Samsung lover then often it provides No Cost EMI with SBI/HDFC bank cards on its Samsung Galaxy M14 5G phone. If you’re looking for a budget friendly Samsung brand 5G phone then this phone is suitable for you.
Some Other Features and Price:
6.6″ PLS LCD with 90 Hz FHD+ Display
Exynos 1330 processor
6000 mAh battery with 25W charging support
13 MP selfie and 50 MP triple rear camera
Current Flipkart Price: ₹13,999 and No Cost EMI starts at 676/month.
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5. Redmi Note 14 SE 5G
Launched early August at ₹14,999, Redmi Note 14 SE 5G typically comes with No Cost EMI plans (3‑6 months) across most bank cards during Flipkart sale period.
Some Other Features and Price:
6.67″ AMOLED, 120 Hz
50 MP main camera, Android 15, IP64 rating
5000 mAh battery with fast charging
Current Flipkart Price: ₹16,049 with 775/month no-cost EMI option.
So guys, these are the 5 Best No Cost EMI Phones Below 20,000 available in August 2025. As of now where no-cost EMI is genuinely available. You can choose your favourite brand phones from the above list. Moreover, you should frequently visit Flipkart website for more offers and discounts.