About 101 Locker Original
Revolutionizing mobile financing with secure, RBI-compliant EMI solutions that empower retailers and protect borrowers.
Our Vision
Building India's default-proof EMI ecosystem through technology-driven accountability.
Future of EMI Security
We believe the future of EMI security lies in technology-driven accountability, not force. 101 LOCKER Original bridges the gap between financial discipline and consumer dignity, creating a safer ecosystem for lenders & retailers while encouraging responsible borrowing.
To build India's default-proof EMI ecosystem
101 LOCKER Original aims to become the national digital collateral layer for device financing—where every financed device enforces payment discipline automatically, ethically, and in full alignment with RBI regulations.
Our Vision Points
- check_circle EMI defaults controlled at the device level
- check_circle Lenders & retailers scale credit without rising NPAs
- check_circle Borrowers stay protected through consent-driven systems
- check_circle Technology replaces physical recovery
Our Mission
To eliminate EMI leakage and redefine credit discipline through smart, secure, and compliant technology.
Built to Recover. Designed to Comply.
101 LOCKER Original is a powerful EMI enforcement and risk-control platform built for lenders, NBFCs, retailers, and fintechs who refuse to accept EMI defaults as a cost of doing business.
In today's high-risk device financing market, recovery delays and rising NPAs hurt growth. 101 LOCKER Original puts control back in the hands of lenders & retailers by enabling instant, remote restriction of financed smartphones when EMIs are missed—driving faster repayments without physical collection, conflict, or operational overhead.
If a customer defaults, the device becomes unusable until dues are cleared. The moment payment is made, access is restored instantly. No manual follow-ups. No friction. Just results.
RBI Compliance
101 LOCKER Original is engineered to align with India's RBI-driven digital lending framework, ensuring:
- verified Mandatory customer consent
- verified Transparent borrower communication
- verified Secure handling of borrower data
- verified Ethical, technology-led recovery
Zero Bypass. Maximum Control.
Our advanced anti-tamper technology prevents factory resets, SIM swaps, and unauthorized workarounds—making 101 LOCKER Original virtually impossible to defeat. Automated reminders, real-time monitoring, and instant unlocks convert defaulters into payers—fast.
Our Goal
Building the next evolution of EMI enforcement and digital asset protection.
Pan-India Integrations
Lender & Retailer integrations with banks, NBFCs, and fintech platforms across India.
AI-Driven Predictions
AI-driven default prediction to trigger early warnings before EMIs fail.
Advanced Analytics
Analytics dashboards for portfolio-level risk visibility.
Multi-Device Support
Support beyond smartphones (tablets, IoT, smart devices).
Seamless APIs
API integrations with LOS, LMS, and core banking systems.
RBI Compliance
Enhanced RBI compliance modules for audit-ready reporting.
The Bigger Goal
To evolve from a mobile EMI lock into a national digital collateral infrastructure, redefining how credit-backed devices are secured in India.
101 LOCKER Original— Enforcing Discipline. Reducing Risk. Powering the Future of EMI Security.
What is 101 LOCKER Original?
Understanding the revolutionary EMI enforcement technology.
EMI Mobile Lock System
101 LOCKER Original IS An EMI mobile lock which has a feature for retailers & lenders, retailers lenders can use 101 LOCKER Original to remotely lock smartphones if customer miss loan payments, preventing usage until dues are paid, a system being formalized by India's RBI to curb defaults, requiring your explicit consent and following updated rules for borrower data protection.
A 101LOCKER Original, a mobile EMI locker is a specialized security software (typically an Android app & For iPhone) used by retailers and financiers to ensure timely installment payments for financed smartphones. It works by remotely restricting device functionality if a customer misses an EMI payment.
Summary
101 LOCKER Original is an EMI mobile-locking system (Android & iPhone) used by retailers and lenders to reduce loan defaults on financed smartphones. With the borrower's explicit consent and in line with RBI guidelines, it allows remote control of a device if EMI payments are missed.
Core Functionalities
Powerful features that ensure EMI compliance and device security.
Remote Locking
If a payment is overdue, the retailer can completely lock the phone, turning it into a "dummy" device that cannot be used except for essential functions like emergency calls.
Automated Reminders
The software sends periodic alerts via SMS, WhatsApp, or on-screen pop-ups before and after the due date to remind customers to pay.
Anti-Tamper Security
Advanced lockers prevent users from bypassing the system through factory resets, SIM card changes, or disabling USB debugging.
Instant Unlocking
Once the payment is verified, the device is unlocked automatically or via a retailer-generated passcode, restoring full access within seconds.
Implementation & Benefits
Step-by-step guide to implementing 101 LOCKER Original and its key advantages.
Implementation Steps
Step 1: Registration
Retailer signs up on the 101 Locker Original dashboard.
Step 2: Enrollment
The customer's device is registered using its IMEI number during the sale.
Step 3: Setup
The 101 Locker Original app is installed on the customer's phone, often requiring "Device Admin" or "Accessibility" permissions to function.
Step 4: Monitoring
The retailer manages all financed devices and payment schedules through a centralized 101 Locker Original web portal & Retailer application.
Step 5: Additional Control
Some features allow retailers to block specific apps (like social media), track the device's live location, or remotely reboot the phone.
Key Benefits for Stakeholders
For Retailers
Reduces payment defaults by up to 90% and eliminates the need for expensive physical recovery teams.
For Customers
Enables those with lower credit scores to purchase high-end smartphones through flexible "self-financing" options provided directly by the shop.
Summary
101 Locker Orignal & Tracker is the market leader in AI-powered EMI mobile locking and device intelligence, enabling retailers and financiers to secure smartphone financing with zero physical recovery.
Built for scale and aligned with RBI-compliant practices, 101 Locker delivers automated access control, real-time tracking, and predictive risk insights—creating disciplined repayment behavior while protecting customer dignity.