Looking for the best waterproof phones under ₹20,000 in India? You’re in the right place. In 2025, brands like OPPO, Motorola, iQOO, and Samsung are offering budget-friendly smartphones with IP ratings that protect against dust and water.
In this guide, we’ll cover the top models, their specs, pros & cons, and buying advice—so you can pick the best waterproof smartphone for your budget.
📌 Quick List – Top Waterproof Phones under ₹20,000 (2025)
| Phone Model | IP Rating | Display | Processor | Price (Approx.) |
|---|---|---|---|---|
| OPPO F27 Pro+ 5G | IP69K (highest rating in its class) | 6.7″ AMOLED 120Hz | MediaTek Dimensity 7050 | ₹19,999 |
| Motorola Edge 50 Fusion | IP68 | 6.6″ pOLED 144Hz | Snapdragon 7s Gen 2 | ₹18,999 |
| iQOO Neo 9 Lite | IP54 | 6.78″ AMOLED 120Hz | Snapdragon 7 Gen 3 | ₹19,499 |
| Samsung Galaxy A34 5G | IP67 | 6.6″ Super AMOLED 120Hz | MediaTek Dimensity 1080 | ₹18,990 |
| Realme Narzo 70 Pro 5G | IP54 | 6.7″ AMOLED 120Hz | Dimensity 7050 | ₹16,999 |
🌊 Why Waterproof Rating (IP Rating) Matters
- IP67 / IP68 → Can survive rain, splashes, and even accidental drops in water.
- IP69K → The highest consumer-grade rating (as in OPPO F27 Pro+), offers extreme dust and water resistance.
- IP54 / IP55 → Protection from dust and light splashes, but not full submersion.
👉 Always check brand warranty. Some companies don’t cover liquid damage, even with an IP rating.
🔎 Detailed Breakdown of Top Models
1. OPPO F27 Pro+ 5G – Best Overall
- IP69K certified – strongest protection in this segment
- Curved 120Hz AMOLED display
- 64MP OIS main camera
- 5000mAh battery, 67W fast charging
- Why Buy: Premium design + top waterproof rating
- Why Skip: Slightly higher SAR value compared to Samsung
2. Motorola Edge 50 Fusion – Best for Clean UI
- IP68 dust/water resistance
- Near-stock Android 14 experience
- 144Hz smooth display
- 50MP OIS + 32MP front camera
- Why Buy: Clean software, reliable IP68 protection
- Why Skip: No expandable storage
3. iQOO Neo 9 Lite – Best for Gamers
- IP54 splash resistance
- Snapdragon 7 Gen 3 chipset (great for gaming)
- 6.78″ AMOLED with HDR10+
- 5000mAh + 80W charging
- Why Buy: Powerful performance under ₹20k
- Why Skip: Only splash resistant, not fully waterproof
4. Samsung Galaxy A34 5G – Best for Trusted Brand Value
- IP67 rating
- 6.6″ Super AMOLED, 120Hz refresh rate
- OneUI 6 with 4 years of updates
- 48MP OIS main camera
- Why Buy: Reliable updates + Samsung brand trust
- Why Skip: Slower charging compared to iQOO & OPPO
5. Realme Narzo 70 Pro 5G – Best Budget Pick
- IP54 splash resistant
- Dimensity 7050 processor
- 6.7″ AMOLED 120Hz
- 50MP Sony IMX890 OIS camera
- Why Buy: Affordable waterproof option
- Why Skip: Only splash resistant, not submersible
✅ Buying Advice
- Heavy Outdoor Use / Rain-prone Area: Go for OPPO F27 Pro+ (IP69K) or Motorola Edge 50 Fusion (IP68).
- Gamers: Choose iQOO Neo 9 Lite for the powerful chipset.
- Long-term reliability: Samsung Galaxy A34 5G is the safest bet.
- Budget buyers: Realme Narzo 70 Pro 5G works if you just need splash resistance.
❓ FAQs – Best Waterproof Smartphones 2025
Q1: Which phone under ₹20,000 has the best waterproof rating?
👉 OPPO F27 Pro+ 5G (IP69K – rare in this price).
Q2: Can I swim with an IP68 phone?
👉 Short accidental dips are fine, but swimming or saltwater can damage the phone.
Q3: Does warranty cover water damage?
👉 Mostly NO. Even with IP67/IP68/IP69K, brands like Samsung, OPPO don’t cover liquid damage under warranty.
Q4: Is splash resistance enough for daily use?
👉 Yes, if you just want protection from rain and spills. For outdoor use or travel, go for IP67+ ratings.
📌 Conclusion
If you want full waterproofing under ₹20,000, go with the OPPO F27 Pro+ 5G or Motorola Edge 50 Fusion.
For brand reliability, Samsung A34 is a safe choice.
For gamers, iQOO Neo 9 Lite is unbeatable.
And if you’re on a tight budget, Realme Narzo 70 Pro 5G gives you decent splash resistance.
👉 Final Tip: Always use a protective case even with waterproof phones—water protection ≠ drop protection.