EMI Protection
How a financed phone stays protected until it's paid for.
How protection works
Customer pays on time
Nothing happens to the device - it works normally.
A payment becomes overdue
Once overdue beyond the shop's configured grace period, the device locks on its own policy and shows the amount due, the due date, and the shop's contact details on the lock screen.
Customer pays via the lock screen
The overdue customer can pay the amount directly through the UPI option shown on the lock screen.
Payment is recorded
As soon as the shop records the payment (or the UPI payment is confirmed), the lock lifts automatically - no manual unlock needed.
Full EMI paid off
Once every installment on a sale is paid, device protection is released permanently for that phone.
Factory Reset Protection
A customer who wants to escape the lock might try to factory-reset the phone. On supported Android versions, EMI Guard applies an Android Enterprise Factory Reset Protection policy at setup time, so the phone still asks for the shop's registered Google account after a reset - the device can't simply be wiped free of the lock.
This needs the phone to have been set up as an EMI Guard managed device (Device Owner mode) at the time of sale, and an Android version that supports the policy. See Device Compatibility for exact requirements.