Top Apple iPhones to Buy Under Rs. 40,000 in 2025

Apple iPhones are aspirational for many Indians. Known for their premium design, long software support, and resale value, iPhones often sit in the “luxury” bracket. But here’s the good news: in 2025, you don’t need ₹80,000+ to own an iPhone. Thanks to older generation models, Apple’s India production push, festive sales, and refurbished programmes, you can buy a brand-new or certified iPhone under ₹40,000.

This guide covers:

• ✅ Best iPhones you can buy under ₹40K in India right now
• ✅ Features, pros & cons, and longevity of each model
• ✅ India-specific offers (Flipkart/Amazon, Bank discounts, refurbished Apple Store deals)
• ✅ Smart financial planning tips (how to own an iPhone without breaking your budget)

Let’s dive in.

Top iPhones Under ₹40,000 in 2025

1. Apple iPhone 12 mini – Starting ₹38,999

• Launch Year: 2020
• Chipset: A14 Bionic, 5G ready
• Display: 5.4-inch Super Retina XDR OLED
• Cameras: 12MP + 12MP (rear), 12MP (front)
• iOS Support: Compatible with iOS 18, likely to get updates till 2027

Why Buy?

Perfect for compact phone lovers. Despite its age, the 12 mini still feels premium with OLED display and 5G.

Why Skip?

• Battery life is weak compared to larger iPhones.
• Best Price in India (2025): ~₹38,999 (Flipkart/Amazon)

2. Apple iPhone 11 – Around ₹32,990

• Launch Year: 2019
• Chipset: A13 Bionic
• Display: 6.1-inch Liquid Retina HD LCD
• Cameras: Dual 12MP with Night Mode
• iOS Support: Likely till iOS 19 (2026)

Why Buy?

Still a strong performer for casual users. Good cameras and reliable battery.

Why Skip?

• No 5G. LCD display feels outdated vs newer OLEDs.
• Best Price in India (2025): ~₹32,990 (Amazon Renewed / Flipkart Sale)

3. Refurbished iPhone 13 (Amazon Renewed / Apple Refurb Store) – ~ ₹39,999

• Launch Year: 2021
• Chipset: A15 Bionic (same as iPhone 14)
• Display: 6.1-inch Super Retina XDR OLED
• Cameras: Dual 12MP (cinematic mode supported)
• iOS Support: Will last till at least iOS 21 (2029)

Why Buy?

Best option under ₹40K if you want longevity + performance. A15 chip will last 5+ years.

Why Skip?

Only available as refurbished in this price range.

Tip: Always buy refurbished iPhones from trusted sellers (Apple Store, Amazon Renewed, Flipkart Certified) to ensure warranty.

4. Apple iPhone SE (3rd Gen, 2022) – ₹34,999

• Launch Year: 2022
• Chipset: A15 Bionic (same as iPhone 13)
• Display: 4.7-inch LCD with Touch ID
• Cameras: 12MP rear, 7MP front
• iOS Support: Expected till iOS 21 (2029)

Why Buy? Flagship performance in budget. Great for those who prefer compact + Touch ID.

Why Skip?

• Small display, average battery, single camera.
• Best Price in India (2025): ~₹34,999

5. Festive & Exchange Deals (iPhone 13 Mini, iPhone 14)

Every year, during Amazon Great Indian Festival & Flipkart Big Billion Days, Apple models drop significantly. In 2024, iPhone 13 mini dropped to ₹34,990 with HDFC bank offers. iPhone 14 exchange offers brought effective cost under ₹40K.

👉 Expect similar deals in Diwali 2025 sales.

iPhone Comparison Table

Financial Tip: How to Own an iPhone Without Overspending

Buying an iPhone is exciting, but it shouldn’t hurt your savings.

Example - iPhone 13 refurbished at ₹39,999

Instead of EMI (which adds bank charges), start a SIP of ₹3,000/month for 12 months → ~₹39,600 saved with interest.

You get your iPhone debt-free and without paying extra.

👉 Try Fincash’s sip calculator to plan your iPhone savings smartly.

Open SIP Calculator

Conclusion

💡 Instead of stretching your finances with EMI, plan with SIPs or disciplined savings. This way, you not only buy your iPhone but also build a habit of wealth creation.