If your Xiaomi device displays the message it means the financier or retailer from whom you purchased the phone on EMI (Equated Monthly Installment) has remotely disabled it. This is a security measure used by third-party finance providers to ensure payments are made on time. Why Your Xiaomi Device is Locked
: A standard factory reset usually does not remove a finance lock. In fact, it may make the situation worse by blocking access to the settings required for an official unlock. If your Xiaomi device displays the message it
The only official and safe way to regain access is through the financier or official Xiaomi support. In fact, it may make the situation worse
: If the lock is tied to a Xiaomi Account or Mi Cloud rather than a third-party financier, you can attempt to reset your password or remove the device from your account via the Xiaomi Cloud website. : If the software detects unauthorized attempts to
: If the software detects unauthorized attempts to reset the device or bypass payment protocols, it may permanently lock the hardware. How to Unlock the Device
Retailers and finance companies often install a or use MDM (Mobile Device Management) software before you take the phone home.