My EMI Locker gives retailers, distributors and NBFCs the power to lock, monitor, and recover device EMIs remotely — reducing NPA by up to 40% and protecting every financed device in your portfolio.
A complete B2B platform that lets retailers, distributors, and NBFCs securely manage device EMI financing — from activation to recovery — all in one place.
Automatically lock overdue devices via secure OTA commands. The device shows a payment instruction screen until the EMI is cleared.
Monitor every device in real-time. Track SIM changes, location, EMI due dates, and device status from a single dashboard.
ML models analyse payment patterns to predict default risk 7 days in advance and trigger automated recovery workflows.
REST APIs and webhooks for LOS/LMS integration. OAuth 2.0 auth, sandbox environment, and a dedicated integration engineer.
Android app for device activation, EMI tracking, and commission management. Trusted by 45,000+ partners across India.
System-level Android agent that resists factory resets. OEM certified for Samsung, Realme, Redmi, Vivo, Oppo and more.
From device sale to EMI protection in minutes — no complex setup required.
Retailer sells device to customer on an EMI plan through an NBFC or distributor financing.
My EMI Locker's tamper-proof agent is silently installed at point of sale via the retailer app.
Platform monitors payment status in real-time. Automated reminders sent via SMS and WhatsApp.
On overdue — device is locked automatically. On payment — instantly unlocked. Zero manual effort.
From corner-shop retailer to state-level distributor — we have a structured program to help you earn and grow.
Mobile shops offering EMI protection plans. Earn ₹150–500 per device activated.
₹0 to Join →Manage a city-level retailer network. Earn override commissions on your network's activations.
Exclusive Territory →NBFCs and digital lenders. Integrate our API into your LOS. Reduce NPA by up to 40%.
API Integration →State-level channel partners managing multiple districts. Build a regional business with us.
Multi-level Earning →"Before My EMI Locker, I had 12–15% customers who skipped EMIs. Now that number is under 3%. The auto-lock feature changed everything for my shop."
"We integrated My EMI Locker's API into our LMS in just 4 days. The compliance audit logs are exactly what our regulatory team needed. NPA is down 38% in 6 months."
"I manage 340 retailers across Rajasthan. The network dashboard gives me complete visibility. I earn ₹3.2L+ a month just on override commissions."
Join 45,000+ retailers and 500+ finance partners on India's most trusted EMI device locking platform.
No setup fees · Free onboarding · Dedicated support · 48-hr activation