11 remote controls inside the EMI lock app

Every enforcement action a phone retailer needs — all available from the dashboard with one click or set as automatic rules.

Remote Lock / Unlock

Lock the device screen remotely when EMI is overdue. Unlock instantly when the customer pays. The customer sees a branded payment screen explaining why the device is locked and how to unlock it.

Live GPS Location

View the device's current GPS location from the dashboard at any time. Useful for high-value devices or when a defaulting customer is uncontactable — confirm the device is still in the expected area.

Camera Lock

Restrict the camera for severe default cases. Combined with app restriction, this progressively reduces device usability until the EMI is paid — a stronger incentive than a reminder alone.

Call Restriction

Restrict outgoing calls (except emergency services) for accounts that are significantly overdue. Emergency calls remain unblocked at all times in compliance with Android safety requirements.

App Lock

Restrict the device to essential apps only — calls, messages, and payment apps remain available. Non-essential apps like YouTube and Instagram are hidden until payment is received. Progressive enforcement without full lockdown.

EMI Screen & Audio Alerts

Display a persistent EMI reminder on the device screen without fully locking it. Audio alerts can play at set intervals as a strong nudge for overdue accounts before escalating to a full lock.

Wallpaper Branding

Push your shop or brand logo as the device wallpaper — a passive reminder that the device is financed and under your management. Keeps your brand visible throughout the loan period.

OTA App Updates

Push updates to the EMI Locker DPC app on enrolled devices remotely — without requiring the customer to manually update. Ensures all devices remain on the latest policy engine version.

Remote Reboot

Trigger a remote reboot when a device appears unresponsive or after policy changes. Full compliance with retailer-controlled policy updates is maintained after every reboot.

See Full Feature Details

Why EMI Locker's EMI lock app is safer than accessibility-based lockers

Most EMI lock apps in India use Android Accessibility Service. This is a workaround — not a proper API. Here is why it matters for your business.

Accessibility Service EMI lockers

  • Requires granting broad accessibility permissions that Android increasingly warns users about
  • Can be disabled by the user in phone settings — breaking enforcement
  • Frequently requires a factory reset before enrollment
  • Not a Google-approved API — subject to removal in future Android versions
  • Limited depth of control compared to official DPC

EMI Locker DPC EMI lock app

  • Uses official Google Device Policy Controller (DPC) API — same as enterprise MDM
  • Cannot be disabled by the customer — persists through reboots
  • Enrolls already-running devices — no factory reset required
  • Google-approved, compliant with Android Enterprise policies
  • Deeper controls: remote lock, app restriction, GPS, camera, calls, audio alerts
Full Comparison: DPC vs Accessibility Service

EMI lock app — frequently asked questions

An EMI lock app is a device management application installed on financed Android phones that allows a retailer to remotely control the phone when EMI payments are missed. Controls include screen lock, app restriction, GPS tracking, call restriction, and on-screen payment reminders — enforcing payment without physically collecting the device.

No. EMI Locker enrolls already-running Android phones without any factory reset and without QR code scanning. Just add the customer in the retailer app — enrollment is automatic. The customer keeps all their apps and data.

EMI Locker's DPC app supports Android 9.0 and above — covering the vast majority of phones sold in India today. The full 11-control suite runs best on Android 10+.

The EMI Locker DPC app is free to install. Retailers pay for activation keys — one key per device enrollment, starting at ₹60 each. Wallet top-ups via UPI, NEFT, or RTGS. No monthly fees.

No. Unlike accessibility-service-based lockers that users can disable in Settings, EMI Locker's DPC enrollment is set as Official Device Manager on the phone. It cannot be removed without the retailer's release code. Attempts to factory reset the device are detected immediately and trigger a real-time fraud alert to the retailer.

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