Direct Answer
Even when a lender is permitted to enforce a complete device lock due to prolonged default, the RBI classifies specific features as “essential services” that represent basic human safety and communication needs
Functions Lenders CAN Block
Entertainment apps, social media, outgoing calls, camera, and generic internet access.Functions strictly PROTECTED
Incoming calls, incoming SMS/messages, and emergency SOS functionality.
Entertainment apps, social media, outgoing calls, camera, and generic internet access.Functions strictly PROTECTED
Incoming calls, incoming SMS/messages, and emergency SOS functionality.