FAQ — EMI Locker Device Finance: Frequently Asked Questions
Common questions from phone retailers, distributors, and device finance teams before rolling out EMI Locker — covering remote lock, EMI tracking, key pricing, onboarding, and more.
EMI Locker is India's leading device finance platform built for phone retailers, distributors, and finance networks. It lets businesses remotely lock or unlock financed Android phones, track EMI payments, manage device activation keys, and run a multi-tier retailer hierarchy — all without monthly fees. Retailers pay ₹50 per activation key and earn their own margin on every key they sell downstream.
Yes. Retailers can join EMI Locker directly from the onboarding page, create their device finance account, and enter the approval workflow — no manual setup or distributor required. New partners can activate and start managing financed Android phones within minutes.
Each level of the EMI Locker hierarchy — SuperDistributor, Distributor, SalesPerson, and Retailer — sets their own key price above their cost. The platform base rate is ₹50 per activation key direct from admin. Every level of the device finance network controls its own margins while the platform tracks all transactions automatically.
EMI Locker tracks all receivables, payables, manual settlements, payment references, and outstanding EMI amounts in real time. Every key purchase and financed device activation updates your wallet automatically — giving your device finance operations a live financial picture across all network levels.
Yes. EMI Locker shows real-time activation key availability across your network and sends low-stock alerts before your device finance operations are disrupted. Teams managing large financed-device portfolios can request more keys from their distributor or hierarchy before running out.
EMI Locker uses official Google DPC (Device Policy Controller) APIs — not Accessibility Service — to remotely lock, unlock, restrict, or send EMI alerts to financed Android devices. No factory reset required, and it works on phones already in the customer's hands. When a customer misses an EMI payment, restrictions trigger automatically via Firebase. Supports 11 features including GPS tracking, camera lock, call restrictions, and app lock.
Sign up directly from the EMI Locker retailer onboarding page, or contact our team for a guided demo. If you manage a distributor network, need custom hierarchy design for your device finance business, or want to see the full platform before committing — our team responds within 24 hours.
Need rollout guidance? Contact the EMI Locker team
Use onboarding for direct registration or contact us for a guided demo