Finance phones on EMI, zero default risk.
EMI Locker turns any Android phone into a financed, recoverable asset — secured with device-owner–grade locking, automated reminders and fair, RBI-aligned recovery, so retailers get paid and customers keep their phones. Three Android apps plus a web admin console; any Android 6.0+ device, no special hardware.
Watch a real device get enrolled
The complete enrollment flow, start to finish — reboot-safe and factory-reset-proof.
One platform for retailers, distributors and customers.
Features that protect every financed phone.
Enrol a device, set the plan, and let the platform enforce EMIs automatically — fairly and compliantly. Built for how Indian mobile retailers, financiers and distributors actually work.
Reboot-safe Device Lock
Device-owner–grade locking that survives restarts, factory-reset attempts, safe-mode and network loss — the phone stays protected until the EMI clears.
One-Tap Enrolment
The customer app switches on Wireless debugging itself and shows a pairing QR — the retailer just scans, no developer-settings hunting. Plus WiFi-ADB, PC-tool and download-QR methods so any phone can be onboarded.
Per-Device Factory-Reset Protection
Each device gets an FRP Google account that cascades from your tenant — a wiped phone can't be re-used to bypass the lock.
True White-Label + Branded APKs
Your name, logo and colour baked into server-generated APKs per partner — every screen, launcher icon and status bar is yours. Sell it as your own product.
4-Tier Partner Network
Admin → Super-Distributor → Distributor → Retailer — each isolated, with its own branding, enrolment keys and support number. Build a nationwide channel.
Key / Credit Distribution
Allocate enrolment credits down the chain per device type, with low-balance alerts, transfer history and per-shop balances.
Location & SIM-Change Tracking
Locate a financed device and detect tampering — SIM swaps and network changes — in real time.
RBI-aligned Recovery
Pre-lock notice, grace period and dispute handling built in — fair, transparent and defensible.
E-Mandate & EMI Automation
Down payment, tenure and monthly schedule; due-installment tracking; auto-lock on a miss, auto-release the moment a payment posts.
Referrals, Reports & Dashboards
Built-in referral engine, exportable CSV/PDF reports and cascade filters across the whole fleet.
Any Android · Any OEM
Android 6–16 on Samsung, Xiaomi, Vivo, Oppo, Realme and more — no special hardware. In-app self-update keeps every device current.
Login Isolation & Security
Branded apps only admit retailers/distributors mapped to that partner; TLS everywhere, per-device signed APIs and Cloudflare WAF.
EMI brands already running on our platform.
Real device-financing businesses launched on EMI Locker — live, under their own brand.
Live in three steps.
Enrol the device
Scan the QR at the shop to provision the customer's phone as a managed device.
Set the EMI plan
Add down payment, tenure and monthly amount. The customer walks out with a working phone.
Collect & protect
Payments track automatically. Miss a due date? Notice first, then lock — released the moment payment is recorded.
The easiest device enrolment in the market.
Most lockers fail because shopkeepers can't work developer settings on every phone brand. EMI Locker removes that pain — four ways to enrol, including a genuine one-tap flow.
Secure by design, compliant by default.
Financing a device means handling money and personal data — EMI Locker is built to keep both safe and legally sound.
Three apps and a web console.
| App | Who uses it |
|---|---|
| Retailer App | Enrol devices, set EMI, send notices, lock / unlock, record payments |
| Customer App | Auto-installed on the financed phone — shows dues and lock status |
| Distributor App | Manage retailers, allocate credits, view network performance |
| Admin Console (Web) | Full fleet control, reports, compliance and settings |
Launch your own EMI-finance brand — build recurring revenue.
Get the complete platform — 3 Android apps (Retailer, Distributor, Customer) + web admin console + marketing site — rebranded as your own, deployed on your server. Onboard retailers on a monthly plan and grow a recurring-revenue business under your brand. 1-Year AMC included.
Your earning potential*
| Retailers onboarded | At ₹999 / retailer / month | Monthly potential* |
|---|---|---|
| 100 retailers | ₹999 × 100 | ₹99,900 |
| 300 retailers | ₹999 × 300 | ₹2,99,700 |
Pick your plan — one-time, no hidden charges
| What you get | Starter ₹1,50,000 | Pro ₹2,50,000 |
|---|---|---|
| White-label platform — web admin, your brand, domain & server | ✓ | ✓ |
| 3 branded Android apps (Retailer, Distributor, Customer) | ✓ | ✓ |
| Unlimited Android keys · CIBIL check | ✓ | ✓ |
| iOS & DLC (Direct Lock Control) — 100 keys each | — | ✓ |
| One custom feature / module of your choice | — | ✓ |
| Support & delivery | Standard | Priority + faster |
| AMC (bug fixes, updates, deployment support) | 1 year | 2 years |
*Earnings shown are an illustrative gross potential, not a guarantee — actual results depend on the number of retailers you onboard, your pricing and collections. Taxes extra; hosting, domain, Play Store & payment-gateway fees at actuals. AMC included per plan (1 year on Starter, 2 years on Pro) — bug fixes, minor updates & deployment support.
Other software our clients run.
Field-finance, quick-commerce and custom platforms — built and deployed by the same team behind EMI Locker.
Premium, without the enterprise price.
Book a free demo & walkthrough.
Tell us about your setup — we'll tailor a walkthrough to your workflow. No cost, no obligation.
- ✓Set up in days, not months
- ✓Data import & staff training included
- ✓Runs on any device — nothing to install
- ✓Local support in Hindi & English
Go live this month.
Try the demo now, or book a free walkthrough — we handle setup, import and training.