Finding a smartphone with a good camera under Rs 20,000 can be tricky. You want clear photos, good colours, and decent low-light performance without overspending. The good news is that many brands are now adding great camera features to affordable phones. Here are five outstanding camera smartphones under Rs 20,000 to buy in 2025. These devices offer solid imaging capabilities alongside nice displays, reliable performance, and good battery life, making them perfect choices for photography lovers, content creators, and anyone who enjoys capturing everyday moments.