This specific lock screen is triggered when a device purchased through a monthly installment plan, financing scheme, or carrier contract falls behind on payments. The Financing Contract

Once the payment is processed, your financing provider will update the status on their servers. For your phone to receive the "unlock" command, it must be connected to the internet.

The lock is server-side. Even if you manage to bypass it temporarily, it will re-lock as soon as it connects to the internet.

: If installments remain unpaid for a long period, the financier may blacklist the IMEI, preventing the phone from ever working on any mobile network. Payment FAQ - Xiaomi

Finding your Xiaomi, Redmi, or POCO phone suddenly locked with the message, can be a distressing experience. This is a deliberate security measure enacted by Xiaomi and their financing partners when an EMI (Equated Monthly Installment) payment is missed or late. The phone essentially acts as its own collateral, and until the payment is reconciled, the device is restricted.

Xiaomi will review your case. The review process typically takes 3-5 working days . You will be notified via email or SMS if your appeal is approved (and the device will be unlocked) or if it is rejected.

Locate your contract number or the displayed on the locked screen.

Thank you for your understanding and assistance.

: You must pay the outstanding amount through your financier's official portal or at a physical store.

Contact the customer support line listed on the lock screen or your original contract.

Click on and select your locked phone from the list.