How To Recover EMI Payments — A Practical Playbook For Indian Retailers

EMI recovery is part process, part technology, and part people. The retailers who consistently keep default rates below 5% follow a tight, repeatable playbook — and use device-level controls as their safety net.

This guide walks you through that exact playbook: how to design your reminder cadence, when to escalate, when to lock, when to send an agent, and how to recover without damaging customer relationships.