The next-gen EMI Locker platform built for fintech growth — automate auto-debits, monitor risk in real time, and reduce defaults across your entire lending book.
From device-level enforcement to collection automation, EmiFence brings every lever a fintech needs to protect its loan book — under a single secure roof.
Lock financed devices remotely on missed EMIs. Borrower access is restored the moment the payment clears — fully automated, fully reversible.
Learn moreNACH, eMandate and UPI-Autopay run natively with intelligent retries. Track every collection cycle in real time — no spreadsheets, no chasing.
Learn moreMulti-channel borrower nudges across SMS, WhatsApp, email and in-app — pre-due, on-due and post-due flows that lift on-time payments measurably.
Learn moreML scoring spots repayment slippage up to 30 days early. Auto-tier borrowers, escalate aging accounts and act on risk signals before they hurt.
Learn morePlug-and-play REST APIs, webhooks and SDKs for Android, iOS, Node and Python. Embed EmiFence into your LMS, app or core stack in days.
Learn moreLive KPIs on collections, DPD buckets, vintage curves and collector performance. Drill down by branch, product or cohort — export anywhere.
Learn moreGranular permissions for collectors, risk, finance and management teams. SSO, IP allow-listing and full activity logs out of the box.
Learn moreAES-256 encryption, tokenized mandates, ISO 27001-aligned controls and immutable audit trails — your data stays sealed, end to end.
Learn moreConfigure any tenure, frequency, interest model or grace policy. Bulk import, originate per-borrower, or restructure mid-cycle without downtime.
Learn moreA four-step path from signup to a fully automated EMI engine — designed for fintech velocity.
Plug EmiFence into your LMS or core banking system in a single sprint with our SDKs.
Define tenure, interest, schedules and mandates. Bulk import or originate per-borrower.
Auto-debits run on rails. Failed attempts retry intelligently with multi-channel nudges.
Live dashboards surface what's working. Iterate on policy, expand the book, repeat.
Lending teams using EmiFence see double-digit improvements in collection efficiency within the first quarter — without expanding ops headcount.
Predictive alerts and structured retries cut bounce rates by up to 42%.
Faster reconciliation and same-day settlement give finance teams real visibility.
Replace manual follow-ups with rule-based collection journeys that run 24/7.
End-to-end encryption, tokenized mandates and SOC 2 controls baked in.
From device financing to BNPL, EmiFence flexes to the shape of your portfolio — wherever EMIs flow, the locker holds.
Lock smartphones financed on EMI. Restore access instantly on payment — built for retail chains and mobile-loan NBFCs.
Compliance-grade tooling for regulated lenders managing diverse loan books — personal, vehicle, gold and beyond.
Ship a production-grade collection engine in weeks. APIs first, scale-ready from day one — no rewrites later.
Pay-in-installments at checkout, with EMI tracking and recovery flows that work at e-commerce scale.
Finance laptops, appliances and electronics with locker-backed enforcement that keeps recovery rates high.
Manage learner EMIs across cohorts, with content gating that aligns access to repayment status.
Schedule, automate and audit collections against pledged assets — with full compliance trails baked in.
SaaS, healthcare and subscription products that offer pay-in-installments — with EMI infra that just works.
No subscription. No lock-in. Just per-device pricing — from ₹60–₹80 per key based on volume. Every plan unlocks the full platform; volume just sets your rate.
A side-by-side look — same features, only the rate changes.
| Feature | Basic≤10 keys | Standard11–20 keys | Pro21+ keys |
|---|---|---|---|
| Per-key rate | ₹80 / key | ₹70 / key | ₹60 / key |
| Remote device lock & unlock | |||
| EMI due alerts via FCM | |||
| Wallet & settlement tracking | |||
| 6-tier hierarchy management | |||
| Android DPC app + device control | |||
| Camera, call & app lock controls | |||
| Approval workflow & role permissions | |||
| Real-time GPS location tracking | |||
| Monthly subscription fee | NONE | NONE | NONE |