Smartphones under Rs. 40,000 now deliver camera performance, combining advanced sensors and AI-powered imaging on par with more expensive models.
Top camera phones under Rs 40,000: Vivo V60 price in India starts at Rs. 36,999
Spending less than Rs. 40,000 on a smartphone doesn't mean you have to compromise on performance or camera quality. In fact, this price segment has some of the most exciting options for photography enthusiasts who don't want to spend a lot of money on their next phone. Today's mid-range phones deliver impressive imaging capabilities with advanced sensors, AI enhancements, and versatile shooting modes that rival premium models. You can purchase various smartphones that ofer premium camera performance at a more accessible price.
The Oppo F31 Pro+ and Vivo V60 shine in portrait and low-light photography, while the OnePlus 13R and iQOO Neo 10 balance strong performance with reliable triple-camera setups. For those who love capturing action and detail, the Realme GT 7 and Vivo T4 Ultra include high-resolution sensors and powerful stabilisation. Meanwhile, the Samsung Galaxy A56 5G continues Samsung's tradition of delivering balanced colour accuracy and consistent imaging across conditions.
Here's a roundup of the best camera smartphones in India under Rs. 40,000 that combine performance, versatility, and exceptional photography value.
The iQOO Neo 10 features a 6.78-inch 1.5K (1,260×2,800 pixels) AMOLED display with a 144Hz refresh rate, 360Hz touch sampling rate, and up to 5,500 nits peak brightness. It supports 4,320Hz PWM dimming for eye comfort and runs on the Snapdragon 8s Gen 4 chipset paired with a dedicated Q1 gaming processor. The phone offers up to 16GB LPDDR5X RAM, 512GB UFS 4.1 storage, and boots Android 15-based FuntouchOS 15.![]()
For cameras, the iQOO Neo 10 sports a 50 megapixel Sony IMX882 primary sensor with OIS and an 8 megapixel ultra-wide lens, while the front houses a 32 megapixel camera capable of 4K 60fps video recording. It packs a 7,000mAh battery with 120W fast charging, a 7,000 sq mm vapour cooling system, and features like 144fps gameplay, 3,000Hz touch response, and bypass charging. The phone also includes an in-display fingerprint sensor, IP65 dust and water-resistant rating, 5G, Wi-Fi 7, Bluetooth 5.4, GPS, NFC, and USB Type-C connectivity.
In India, the price for the iQOO Neo 10 begins at Rs. 31,999 for the base 8GB RAM and 128GB storage model. The mid-tier variants with 8GB + 256GB and 12GB + 256GB configurations are available at Rs. 33,999 and Rs. 35,999, respectively. The highest-end version, offering 16GB RAM and 512GB storage, is priced at Rs. 40,999. Buyers can choose between Inferno Red and Titanium Chrome finishes.
The Realme GT 7 features a 6.78-inch 1.5K AMOLED display with a 120Hz refresh rate, 360Hz touch sampling rate, and up to 6,000 nits peak brightness, protected by Gorilla Glass 7i. It runs Android 15 with Realme UI 6.0 and is powered by the 4nm MediaTek Dimensity 9400e processor, paired with up to 12GB RAM and 512GB storage for smooth multitasking and efficient performance.
For cameras, the Realme GT 7 offers a 50 megapixel Sony IMX906 main sensor with OIS, a 50 megapixel telephoto lens, and an 8 megapixel ultra-wide camera, while the front features a 32 megapixel selfie camera supporting 4K video. The device packs a 7,000mAh battery with 120W fast charging that reaches 50 percent in under 15 minutes. Additional highlights include Wi-Fi 7, Bluetooth 5.4, NFC, dual GPS, IP69 rating, Dolby Atmos stereo speakers, and an in-display fingerprint sensor.
Realme GT 7 is priced at Rs. 36,999 in India for the 8GB RAM and 128GB storage model, while the higher 12GB + 256GB variant costs Rs. 39,999. The smartphone is available in IceSense Black and IceSense Blue colour options.
The Vivo V60 features a 6.77-inch 1.5K (1,080×2,392 pixels) quad-curved AMOLED display with a 120Hz refresh rate and up to 5,000 nits of brightness. Powered by the Snapdragon 7 Gen 4 chipset, it offers up to 16GB LPDDR4x RAM and 512GB UFS 2.2 storage. Running Android 15 with Funtouch OS 15, the phone is promised four years of OS updates and six years of security patches, ensuring long-term reliability and performance.![]()
At the back, Vivo V60 has a Zeiss-tuned triple camera setup with a 50-megapixel Sony IMX766 primary sensor, a 50-megapixel Sony IMX882 telephoto lens, and an 8-megapixel ultra-wide camera. A 50-megapixel front camera handles selfies and 4K video recording. It packs a 6,500mAh battery with 90W fast charging and features Wi-Fi, Bluetooth 5.4, NFC, and an in-display fingerprint sensor. The phone also boasts IP68 and IP69 ratings for dust and water resistance.
Vivo has priced the V60 in India starting at Rs. 36,999 for the base version featuring 8GB RAM and 128GB storage. The mid-range 8GB + 256GB and 12GB + 256GB variants come in at Rs. 38,999 and Rs. 40,999, respectively. The highest configuration, offering 16GB RAM and 512GB storage, is available for Rs. 45,999. It is sold in Auspicious Gold, Mist Grey, and Moonlit Blue colourways.
The Vivo T4 Ultra boasts a 6.67-inch 1.5K (1,260×2,800 pixels) quad-curved AMOLED screen with a 120Hz refresh rate, 300Hz touch response rate, and up to 5,000 nits of peak brightness. It supports HDR10+ and carries SGS Low Blue Light certification for better eye protection. Powered by the 4nm MediaTek Dimensity 9300+ chipset, the device offers up to 12GB of LPDDR5 RAM and 512GB of UFS 3.1 storage. Running Android 15 with Funtouch OS 15, it integrates several AI-driven features such as Circle to Search, AI Note Assist, AI Erase, AI Transcript Assist, and AI Call Translation.
For imaging, the Vivo T4 Ultra includes a triple rear camera setup featuring a 50 megapixel Sony IMX921 primary sensor with OIS, a 50 megapixel Sony IMX882 periscope telephoto unit with OIS and EIS, and an 8 megapixel ultra-wide lens. On the front, there's a 32 megapixel camera for selfies and video calls. The handset packs a 5,500mAh battery supporting 90W fast charging, along with an in-display fingerprint scanner and an IP64 rating for dust and splash resistance. Available in Meteor Grey and Phoenix Gold, the phone weighs approximately 192 grams.
Pricing for the Vivo T4 Ultra in India begins at Rs. 37,999 for the 8GB RAM and 256GB storage variant. The 12GB + 256GB model is available at Rs. 39,999, while the highest 12GB + 512GB configuration is priced at Rs. 41,999. The smartphone is offered in two Meteor Grey and Phoenix Gold shades.
The Samsung Galaxy A56 5G features a 6.7-inch Full-HD+ Super AMOLED display with a 120Hz refresh rate. It runs on the Exynos 1580 processor and comes with up to 256GB of internal storage. The phone ships with Android 15-based One UI 7 and is guaranteed six years of OS and security updates. It also includes Samsung's new Galaxy AI tools, such as Auto Trim, Best Face, AI Select, and Read Aloud, aimed at enhancing productivity and creativity.
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Galaxy A56 5G (right) was launched in India alongside Galaxy A36 5G
In terms of cameras, the Galaxy A56 5G is equipped with a 50-megapixel primary sensor with optical image stabilisation, a 12-megapixel ultra-wide lens, and a 5-megapixel macro camera. On the front, it houses a 12-megapixel selfie camera within a hole-punch display. The device packs a 5,000mAh battery with support for 45W fast charging. It also offers 5G connectivity, Wi-Fi, Bluetooth 5.3, NFC, GPS, a USB Type-C port, and an IP67 rating for dust and water resistance.
Samsung Galaxy A56 5G price in India starts at Rs. 38,999 for the 8GB + 128GB option, while the 8GB + 256GB and 12GB + 256GB variants cost Rs. 41,999 and Rs. 44,999, respectively. It is offered in Awesome Graphite, Awesome Light Grey and Awesome Olive colour options.
The OnePlus 13R runs OxygenOS 15 based on Android 15 and features a 6.78-inch LTPO Full-HD+ display with a 1,264×2,780 pixel resolution, 120Hz adaptive refresh rate, 450ppi pixel density, and up to 4,500 nits peak brightness. Protected by Corning Gorilla Glass 7i, the screen offers a 93.9 percent screen-to-body ratio. Powering the device is the Snapdragon 8 Gen 3 processor, paired with up to 16GB of RAM and 512GB of storage for smooth multitasking and gaming performance.![]()
In terms of cameras, the OnePlus 13R includes a triple rear setup featuring a 50 megapixel Sony LYT-700 primary sensor with OIS, a 50 megapixel telephoto lens with 2x optical zoom, and an 8 megapixel ultra-wide camera. On the front, it has a 16 megapixel selfie camera. The smartphone packs a 6,000mAh battery with 80W fast charging and includes features like an ultrasonic fingerprint sensor, stereo speakers with OReality audio, the classic alert slider, and IP65 dust and water resistance. It weighs 206g and measures 161.72×75.8×8.02mm.
In India, the OnePlus 13R with 12GB RAM and 256GB storage is priced at Rs. 38,999 and comes in Astral Trail and Nebula Noir shades.
The Oppo F31 Pro+ 5G runs Android 15 with ColorOS 15 and features a 6.8-inch Full-HD+ BOE AMOLED display with a 120Hz refresh rate, 240Hz touch sampling rate, and up to 600 nits of peak brightness. The screen supports 100 percent DCI-P3 and sRGB colour gamut and offers AGC DT-Star D+ protection with a 93 percent screen-to-body ratio. It is powered by the Snapdragon 7 Gen 3 chipset with an Adreno 7-series GPU, paired with up to 12GB of LPDDR4X RAM and 256GB of UFS 3.1 storage. The phone houses a 7,000mAh battery supporting 80W SuperVOOC Flash Charge and carries IP69, IP68, and IP66 ratings for dust and water resistance.![]()
For optics, the Oppo F31 Pro+ 5G comes with a dual rear camera setup featuring a 50 megapixel primary sensor with autofocus and a 2 megapixel portrait lens. On the front, it sports a 16 megapixel selfie camera capable of recording 1080p videos at 30fps and 60fps. Other highlights include Wi-Fi 6, Bluetooth, GPS, USB Type-C, an in-display fingerprint scanner, and Oppo's 360-degree Armour Body design for improved durability. The device measures 158.2×75×8mm and weighs around 190g.
Oppo has priced the F31 Pro+ 5G in India at Rs. 32,999 and Rs. 34,999 for the 8GB + 256GB and 12GB + 256GB variants, respectively. The smartphone is offered in Gemstone Blue, Himalayan White, and Festive Pink shades.
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