Lock the device.
Not the deal.
EmiShield gives lenders a remote locker for financed handsets — automated collections, early risk signals, and an unlock that fires the instant an EMI clears.
Every EMI workflow, under one lock.
From device-level enforcement to collection automation, EmiShield gives lending teams a single, secure control room for the whole book.
Locker enforcement
Restrict a financed handset the moment an EMI is missed — release it automatically the second payment clears.
Auto-debit collections
NACH, eMandate and UPI Autopay run natively with intelligent retries — no spreadsheets, no manual chasing.
Multi-channel reminders
Timed nudges across SMS, WhatsApp, email and in-app — pre-due, on-due and overdue, tuned to lift on-time pay.
Early risk signals
Scoring models flag slipping repayment behaviour weeks out, so you can act before it becomes a default.
Open API & SDKs
REST endpoints, webhooks and native SDKs for Android, iOS, Node and Python — drop straight into your stack.
Live reporting
Real-time views of collections, ageing buckets and collector performance — sliceable by branch or product.
Role-based access
Separate permissions for collectors, risk and finance teams — with SSO and a full activity log.
Encrypted by design
AES-256 at rest, tokenised mandates, and an immutable log of every action taken on the platform.
Live in days. Compounding from week one.
A four-step path from signup to a fully automated collection engine — in the order lending teams actually run it.
Connect
Wire EmiShield into your loan system with our SDKs — typically inside a single sprint.
Configure plans
Set tenure, interest and mandate rules. Bulk-import a book or originate loan by loan.
Collect automatically
Debits run on schedule. Missed attempts retry and trigger locker and reminder flows.
Watch it compound
Dashboards surface what's working, so you can adjust policy and keep scaling the book.
Carry the locker in your pocket.
Enrollment, device status and collector actions — the parts of EmiShield your field team touches every day, built as a native Android app.
- Enroll a device under DPC management in minutes, right from the point of sale.
- Lock and unlock a financed handset remotely, from anywhere on your route.
- See live GPS location for every device still on the book.
- Reach for camera, call and app controls only when a device is flagged.
- Push alerts land the moment an EMI is due — no polling, no delay.
Built to protect the book and the margins.
Lending teams typically see collection efficiency move within the first quarter — without adding to ops headcount.
Fewer defaults
Early alerts and structured retries pull bounce rates down measurably.
Faster settlement
Same-day reconciliation gives finance teams real-time visibility.
Less manual chasing
Rule-based collection journeys run continuously in the background.
Locked-down data
Encryption and tokenised mandates protect every transaction, by default.
Built for the lending economy.
Wherever EMIs flow, the locker holds — from device financing to BNPL and asset-backed lending.
Mobile financing
Lock smartphones financed on EMI; restore access instantly on payment.
NBFCs & lenders
Compliance-grade tooling for diverse books — personal, vehicle, gold and beyond.
Fintech startups
Ship a production-grade collection engine in weeks, API-first from day one.
BNPL & consumer finance
Pay-in-installments flows with EMI tracking and recovery built for e-commerce scale.
Consumer durables
Finance laptops and appliances with locker-backed enforcement that keeps recovery high.
Course financing
Manage learner EMIs across cohorts, with access gated to repayment status.
Gold & asset-backed loans
Schedule and audit collections against pledged assets, with full compliance trails.
Digital subscriptions
Pay-in-installments for software and services, with EMI infrastructure that just works.
Only pay for devices you finance.
No subscription, no lock-in — per-device pricing from ₹60–₹80 per key based on volume. Every tier unlocks the full platform.
What's included in every plan — same features, only the rate changes
| Feature | Basic ≤10 | Standard 11–20 | Pro 21+ |
|---|---|---|---|
| Per-key rate | ₹80 | ₹70 | ₹60 |
| Remote device lock & unlock | ✓ | ✓ | ✓ |
| EMI due alerts via push | ✓ | ✓ | ✓ |
| Wallet & settlement tracking | ✓ | ✓ | ✓ |
| 6-tier hierarchy management | ✓ | ✓ | ✓ |
| Android DPC app enrollment | ✓ | ✓ | ✓ |
| Camera, call & app lock controls | ✓ | ✓ | ✓ |
| Approval workflow & role permissions | ✓ | ✓ | ✓ |
| Real-time GPS location tracking | ✓ | ✓ | ✓ |
| Monthly subscription fee | None | None | None |
See your book run itself.
Spin up a sandbox in under 10 minutes — no card, no commitment.