Booting into Recovery Mode and selecting "Wipe Data" only clears user-facing applications and files. The underlying financing software remains anchored to the system partition and reactivates immediately upon startup.
"The 'Overdue Installment Payment' lock is a feature designed to protect our financing partners and honest customers. It prevents stolen or defaulted devices from being resold. To unlock, please settle your dues with the original financier. Xiaomi customer care cannot remove this lock via software."
The most common reason. You signed a contract for 6, 12, or 24 months. You missed one or more payments. The financing partner notified Xiaomi, and the remote lock was triggered. Booting into Recovery Mode and selecting "Wipe Data"
If you are planning to buy a Xiaomi phone on EMI or second-hand:
The absolute fastest and most reliable way to remove the lock is to fulfill the outstanding financial balance. It prevents stolen or defaulted devices from being resold
: Third-party repair shops may offer to "bypass" the lock for a fee, but this typically involves unauthorized software that can void your warranty and may not be permanent.
: If the device remains locked after payment, contact the financing company’s customer service with your Loan Account Number to request a manual "force update". Verification Troubleshooting You signed a contract for 6, 12, or 24 months
Once the payment is processed, the system typically sends an "instant unlock" command to the device, restoring full functionality.
Confirm with the bank that the payment went through.