EMI payment delays
Customers stop answering calls once the phone leaves the shop.
Authorised Dealer · Reptile EMI Security
EMI Lock & Mobile EMI Security Software in Delhi
Kirvish is an authorised dealer of Reptile EMI Security — India's EMI security, recovery and device-tracking platform. Lock defaulting phones remotely, automate EMI reminders and recover dues faster, with activation in under 60 seconds.
- 60-second activation
- Android & iPhone
- Hindi + 9 regional languages
12,000+retailers connected
2.4M+devices protected
28states covered
↓71%default-rate reduction
Platform figures as published by Reptile EMI Security.
The problem
Selling phones on EMI shouldn't mean chasing payments
Most mobile retailers and NBFCs lose margin to the same five problems. Reptile EMI Security solves each of them from one dashboard.
Talk to KirvishRecovery challenges
Little leverage to recover dues, and write-offs eat your margin.
Manual follow-up chaos
Excel sheets, WhatsApp chats and paper notes that nobody can track.
No device visibility
Once sold, you have no idea where the financed phone is.
Business risk
A handful of large defaults can wipe out a month's profit.
Reptile products
EMI security for every kind of business
From a single mobile counter to a national OEM rollout — Kirvish supplies, activates and supports the complete Reptile EMI Security range.
EMI Safe
Complete EMI protection — one-tap activation, remote lock and automated recovery.
Learn moreEMI Locker
Lock, track and recover every financed device with zero friction.
Learn moreQuick Locker
60-second EMI protection for high-volume counters — no paperwork.
Learn moreFinance Locker
Built for NBFCs — bring portfolio NPA down with device-level control.
Learn moreReptile i-Lock
Purpose-built EMI security for Apple iPhones sold on EMI.
Learn moreOEM Solution
Firmware-level EMI security for mobile brands and enterprises.
Learn moreWhite Label Solution
Launch your own branded EMI security platform in 2–4 weeks.
Learn moreFeatures
Everything you need to protect, collect and recover
Remote Device Lock
Soft-lock, full-lock or progressive lock — applied on demand and instantly reversible.
EMI Reminder Automation
Pre-due, due-day and overdue reminders over WhatsApp, SMS and IVR.
Recovery Agent App
Android field app with route optimisation, location tracking and proof-of-visit.
Collection Dashboard
Daily, weekly and monthly visibility into the health of your EMI book.
Customer Portal
Customers see pending EMIs, pay via UPI and get an instant unlock on payment.
Multi-Branch Management
One login for hundreds of stores, with role-based, branch-level permissions.
Device Tracking
Last-known location, last-seen time, SIM-change alerts and bypass-attempt alerts.
Smart Alerts
Proactive notifications that flag payment risk before it becomes a default.
How it works
From sale to recovery in five simple steps
Your counter staff can learn this in one afternoon.
Sell the device
Your customer picks a phone and the EMI plan is finalised in-store.
Activate security
QR scan or app install completes in under 60 seconds — the device is now protected.
Monitor payments
Every EMI is tracked live, with automatic reminders sent before the due date.
Lock on default
A missed EMI triggers a soft-lock, hard-lock or staged lock with a single tap.
Recover & unlock
Payment auto-unlocks the phone — or dispatch a recovery agent with full device data.
Benefits
Why retailers and lenders choose Reptile
Stop EMI defaults before they happen
Lock, monitor and recover devices the moment an EMI is missed. Reptile reports defaults falling by up to 70%.
Boost collection efficiency
Automated reminders, daily dashboards and remote actions — Reptile cites 35–50% better on-time recovery.
Real-time device visibility
Location, last-seen timestamp, SIM-change and tamper alerts for every financed phone.
Effortless for your customer
60-second activation at the counter. Customers who pay on time never feel a thing — only defaulters see the lock.
Built for Indian retail
Hindi, English and 9 regional languages, GST-ready invoices, and offline-first operation for patchy connectivity.
Bank-grade security
End-to-end encrypted control channels, role-based access, audit logs and RBI-aligned data practices.
Case study (published by Reptile)
Bansal Mobile Centre: defaults from 14% to 2.8%
A 9-store mobile chain in Uttar Pradesh was losing an estimated ₹18 lakh a year to EMI defaults. Five months after moving to Reptile EMI Security:
- Default rate fell from 14% to 2.8%
- On-time collection improved by 41%
- ₹18 lakh+ saved annually through recovery and lower write-offs
Source: Reptile EMI Security. Results vary by business.
Industries
Who we serve
- Mobile Retailers
- NBFCs & Finance Companies
- Distributors
- EMI Businesses
- Recovery Agencies
- Apple & Premium Stores
- Brands, OEMs & Telecom
Why Kirvish
Buy from an authorised Reptile dealer
Authorised & genuine
Official Reptile EMI Security products supplied and activated by an authorised dealer.
Based in New Delhi
Visit us at 11 Block, Subhash Nagar, New Delhi 110027 — or reach us by phone and WhatsApp from anywhere in India.
Onboarding & training
We help set up your store and train your counter staff so every EMI sale is protected from day one.
Quick response
Call, WhatsApp or email — tell us your monthly EMI volume and we'll share a tailored quote.
Frequently asked questions
Is Kirvish an authorised dealer of Reptile EMI Security?
Yes. Kirvish is an authorised dealer of Reptile EMI Security products, based at 11 Block, Subhash Nagar, New Delhi 110027. We supply, activate and support Reptile EMI Safe, EMI Locker, Quick Locker, Finance Locker, Reptile i-Lock, OEM and White Label solutions.
What is EMI lock software?
EMI lock software links a phone sold on instalments to the seller's dashboard. If the customer misses an EMI, the seller can remotely restrict or lock the device, and it unlocks automatically once the payment is made.
Which phones can be protected?
Android phones (Android 7 and above) through device-policy protection, and Apple iPhones through Reptile i-Lock.
How quickly can my shop start?
Device activation takes under 60 seconds per phone. Call Kirvish on +91 98688 85866 and we will arrange a demo and get your store onboarded, including staff training.
How much does Reptile EMI security cost?
Pricing is customised to your monthly EMI sales volume. Call or WhatsApp us for a quote tailored to your store or network.
Do you serve businesses outside Delhi?
Reptile EMI Security is live across 28 Indian states. Contact Kirvish from anywhere in India and we'll help you get set up.
Ready to secure every EMI sale?
Book a free demo with Kirvish — authorised Reptile EMI Security dealer in New Delhi. We'll show the platform on your own shop's workflow.