When shopping for a TV under ₹20,000, researching your options is essential. Many models in this price range offer smart features such as internet connectivity, OTT apps, voice assistants and more. Several also deliver impressive picture and sound quality, giving you a range of choices to match your needs.
Financing makes it easier to buy a smart TV without a large upfront payment. Many retailers and card issuers let you purchase a TV on EMI, which spreads the cost into manageable monthly instalments and helps avoid a hefty one-time expense.
Below is a concise guide on how to buy a smart TV on EMI and a curated list of notable options available within this budget.
How to Buy a Smart TV on EMI
Smart TVs have become more affordable, but models with advanced features can still be costly. EMI financing lets you get the TV you want while keeping monthly payments comfortable. A common and convenient route is converting the purchase into EMI using a credit card that supports EMI conversions. The steps below outline the typical process using a credit card with EMI benefits.
Step 1: Make a minimum purchase amount required for EMI conversion (often around ₹2,500).
Step 2: Choose an EMI tenure, usually ranging from 3 to 24 months.
Step 3: Pay any one-time processing fee charged by the issuer.
Step 4: Authenticate and confirm the EMI transaction.
These steps may vary slightly depending on the bank and the retailer, so confirm the exact terms and any applicable interest or processing charges before completing the purchase.
Top Smart TVs of October 2023
Smart TV models differ by screen size, resolution, operating system and connectivity. The table below lists some notable smart TVs that were available around October 2023 and fall within or near the ₹20,000 budget, along with their key specs and indicative prices.
| Model Name | Display | Pixels | Refresh Rate | OS | Price |
|---|---|---|---|---|---|
| Xiaomi 40-Inch Smart TV 5A | LED Full HD | 1920 x 1080 | 60 Hz | Android | ₹19,999 |
| Acer 32-inch LED Smart Android TV | LED HD Ready | 1366 x 768 | 60 Hz | Android | ₹10,999 |
| SAMSUNG 32-inch LED Smart Tizen TV | LED HD Ready | 1366 x 768 | 60 Hz | Tizen | ₹14,990 |
| Acer Advanced 43-inch LED Smart Google TV | Full HD | 1920 x 1080 | 60 Hz | Google TV | ₹19,999 |
| Panasonic MS Series 32-inch Smart Google TV | LED HD | 1366 x 768 | 200 Hz | Google TV | ₹15,990 |
| KODAK 9XPRO 42-inch Smart Android TV | Full HD LED | 1080 x 1920 | 60 Hz | Android Smart TV | ₹14,999 |
| LG LQ64 32-inch LED Smart WebOS TV | HD Ready | 1366 x 768 | 60 Hz | webOS 22 | ₹17,190 |
Disclaimer: The prices and availability shown above are subject to change. Check current listings and offers before making a purchase.
Many credit cards that offer EMI conversion let you split your TV purchase into equated monthly instalments, giving you flexibility in choosing the tenure that fits your budget. Before converting a purchase to EMI, review the interest rate, processing fee and any merchant-specific terms.
Some credit cards also provide additional benefits such as dining discounts, shopping offers and cashback on transactions. Linking the card to a UPI account can simplify payments and help manage your finances through the issuer’s app.
FAQs on TVs Under ₹20,000
Which smart TV is best under ₹20,000?
The best smart TV under ₹20,000 depends on your priorities: screen size, display resolution, audio performance and smart platform matter most. Models such as the Xiaomi 5A series, Panasonic MS Series 32-inch, Acer 32-inch and LG LQ64 32-inch are commonly recommended for balanced performance and features in this price segment. Compare specifications and real-world reviews to choose what suits your needs.
Which display quality is best for a smart TV?
Resolution choices include 8K, 4K, Full HD (1080p) and HD Ready (720p or 768p). Higher resolutions like 4K and 8K deliver finer detail when content and screen size justify them; Full HD is a solid choice for smaller to mid-size screens, offering good clarity for most viewing environments. Choose resolution based on screen size, typical viewing distance and the type of content you watch.
What is the difference between a smart TV and a normal TV?
Smart TVs add internet connectivity and built-in apps for streaming services, along with features like voice assistants and screen casting. A conventional (non-smart) TV provides basic broadcast and HDMI inputs but lacks the integrated app ecosystem and online connectivity of a smart TV.
How can I buy a smart TV on EMI?
To buy a smart TV on EMI, check if your credit card or lender offers EMI conversion for consumer electronics. At checkout, opt to convert the transaction into EMIs, select a tenure and accept any processing fee or interest terms. Confirm with your bank and the retailer for precise steps and eligibility.