Direct Answer
Partial technological restriction refers to the phased disabling of non-essential functions on a smartphone or tablet that was explicitly financed by the lender, as a consequence of loan default
The RBI mandates a strict, gradual escalation timeline for device locking:
| Day 1 to 29 | Early Default | No remote locking permitted. Only notices. |
| Day 30+ | 30 Days Past Due | Gradual/Partial restrictions may be initiated. |
| Day 60+ | 60 Days Past Due | Full restrictions (excluding essential services) may be imposed. |