Stashfin App Reviews, Customer Care Number & Details

Credit line and personal loan app with amounts up to Rs 5 lakh and wide rate range.

This Stashfin app review covers interest rates, eligibility, charges, documents and real borrower feedback, along with the verified Stashfin customer care number, WhatsApp channel and support email — plus the RBI grievance route if a complaint is not resolved in 30 days.

FINTECHCredit LineZero PrepaymentZero ForeclosureRBI RegulatedSelf-Employed OK

Reviewed by BankCreds App Review Team· App Review Analysts Updated 14 June 2026

Stashfin is a revolving credit line and prepaid card rather than a one-shot loan — you draw what you need up to your limit, repay in EMIs, and reuse it. The lending sits with Akara Capital, an RBI-registered NBFC, so it's legitimate.

The headline is the problem, and this review is blunt about it: an 11.99%–59.99% band is a near-five-fold spread, and the advertised ~12% is a best case that most applicants won't see.

Quick Facts

4.2★ · 2.5L

Play Store

₹5L

Max Loan

11.99% – 59.99% p.a.

Interest Rate

Within minutes

Disbursal

3 – 48 months

Tenure

Two upfront fees: platform fee 2.85% + 18% GST and transaction fee 3% + 18% GST (≈5.85% + GST combined). Akara's fee schedule instead says transaction fee up to

Processing Fee

Rs 15,000 per month

Min Income

Play Store rating sourced from Google Play, as of 3 Oct 2026. Other figures from the lender's official disclosures.

Our Ratings

Disbursal speed 4.0/5

Funds load to the credit-line card in minutes once the line is active.

Interest & cost 2.0/5

A very wide 11.99–59.99% band — most typical applicants land in the 30–60% zone, plus a 0–10% fee.

App experience 3.5/5

A capable app and card combo rated around 4.3★ on the Play Store.

Customer support 2.5/5

Some users report unresponsive support and refund or double-debit delays.

Safety & transparency 3.0/5

Lending is by Akara Capital, an RBI-registered NBFC, but the wide band and card fees need careful reading.

Loan Details & Charges

Loan Amount Rs 1,000 – Rs 5,00,000

Interest Rate 11.99% – 59.99% p.a.

Tenure 3 – 48 months

Processing Fee Two upfront fees: platform fee 2.85% + 18% GST and transaction fee 3% + 18% GST (≈5.85% + GST combined). Akara's fee schedule instead says transaction fee up to

Late Payment Penalty on overdue amount

Prepayment No prepayment charges

Foreclosure No foreclosure charges

Eligibility Criteria

Age 18-59 years

Min Income Rs 15,000 per month

CIBIL Score 730+

Employment salaried, self-employed

Documents PAN Card, Aadhaar Card, Bank statement access

What It Actually Costs

Loan amount ₹1,00,000

Tenure 18 months

Monthly EMI ₹6,967

Total interest ₹25,406

Processing fee 0%–10% (~₹5,000 at 5%) + GST, deducted upfront

Total repayment ₹1,25,406

Illustrative at a ~30% rate — most applicants land in the 30–60% zone, not the 11.99% headline. The fee is deducted upfront. The top of Stashfin's band is 59.99% — confirm your actual rate before drawing.

Try the Stashfin EMI calculator

Pros

A revolving credit line — draw only what you need and pay interest only on that
Funds load to a prepaid/credit-line card in minutes; reuse the limit without re-applying
Lending is by Akara Capital, an RBI-registered NBFC
Limits up to ₹5 lakh with tenures to 36 months
Card usable at POS, online and ATMs

Cons

A very wide 11.99–59.99% band — the advertised ~12% is a best case, most land in 30–60%
A 0–10% processing fee plus card and ATM charges raise the effective cost
The revolving structure makes it easy to keep redrawing and stay indebted
Some users report aggressive recovery and weak support
Cash-withdrawal and card fees are easy to overlook

Our Verdict

Stashfin is a revolving credit line and prepaid card rather than a one-shot loan — draw what you need up to your limit, repay in EMIs, and reuse it. The lending sits with Akara Capital, an RBI-registered NBFC, so it's legitimate. The headline is the problem: an 11.99%–59.99% band is a near-five-fold spread, and the advertised ~12% is a best case — most typical applicants land in the 30–60% zone. Add a 0–10% processing fee plus card and ATM charges, and the revolving structure makes it easy to stay perpetually indebted. Useful for disciplined borrowers who'll clear it fast; expensive and sticky for everyone else.

Who Stashfin suits

Disciplined borrowers who want a revolving line and will clear it quickly

People who value drawing small amounts on demand rather than one lump sum

Borrowers who want a physical credit-line card alongside the loan

Look elsewhere if

You have a strong file and want a low fixed rate — a bank or Navi will be cheaper

You're prone to revolving debt — the reusable limit can keep you borrowing

You want one predictable EMI rather than a line plus card fees

Things to Watch

The 11.99% rate is a best case — Stashfin's band runs to 59.99%, and most typical applicants land in the 30–60% zone, so confirm your actual rate before drawing
A 0–10% processing fee plus card and ATM charges raise the effective cost above the quoted rate
The revolving line makes it easy to keep redrawing and stay perpetually indebted — borrow deliberately, not by habit

How to Apply for Stashfin

1

Register in the app

Download the Stashfin app and sign up with your mobile number.
2

Enter your details

Add your personal, professional and bank details via the quick form.
3

Complete KYC and e-sign

Verify Aadhaar and PAN, add income proof, and e-sign the agreement; your credit line and card are issued.
4

Draw funds

Draw what you need from your limit — money reaches your account or card in minutes. Check the fee on each draw.

Documents Required

Aadhaar card

PAN card

Income proof — last 3 months' bank statements or salary slips

An active bank account

What Real Users Say

Stashfin rates around 4.3★ on the Play Store with 1M+ installs, though dedicated complaint sites skew far more negative.

A split between people who value the revolving convenience and those stung by cost and support.

What users love

Borrowers praise quick approval, the flexible revolving limit, and a simple KYC flow.

Common complaints

Some users report high fees and high-end rates, aggressive recovery, and unresponsive support.

How Stashfin Compares

vs KreditBee — KreditBee tops out far lower, so Stashfin's worst-case is roughly double — but Stashfin's revolving line and card are more flexible than a fixed loan.

vs LazyPay — LazyPay is a tighter, lower-ceiling band for smaller BNPL-style spends; Stashfin offers a far larger ₹5 lakh limit and a card, at a much higher potential top-end rate.

vs OLYV — OLYV caps interest around the 30s on comparable amounts, making it the cheaper worst-case for thin-file borrowers; Stashfin can go nearly twice as high at the top.

How we tested

We reviewed Stashfin's published rates, its credit-line and card mechanics and fees, confirmed its lender (the RBI-registered NBFC Akara Capital Advisors), and read recent borrower feedback across the Play Store and complaint forums. Conduct complaints are user-reported allegations, not adjudicated findings, and complaint platforms over-represent dissatisfied users. Confirm your exact rate, fees and net disbursal before drawing.

Stashfin Customer Support Details

Stashfin publishes its grievance officer's address as the main written channel rather than a separate general support email, which means written complaints reach the escalation point directly. Two phone lines are listed — a mobile and a Gurugram landline — and neither is toll-free, so expect standard call charges.

Stashfin customer care number	+91 92891 08566 / 0124-6981222
Stashfin WhatsApp number	NA
Stashfin customer support email ID	grievance.officer@stashfin.com
Stashfin grievance officer email	grievance.officer@stashfin.com

Verified from Stashfin's official contact or grievance page on 2026-09-13. Companies change helplines without notice — cross-check inside the app before calling, and never share an OTP, PIN or card details with anyone claiming to be support. All lender, bank & insurer contacts →

Frequently Asked Questions

Is Stashfin safe and RBI-approved?

The lending is done by Akara Capital Advisors Pvt Ltd, an NBFC registered with the RBI since 2016; Stashfin (EQX Analytics Pvt Ltd) is the technology and lending-service platform. So the underlying lender is RBI-regulated, though some users report poor recovery and support experiences.

What interest rate will I actually pay — and is the 60% rate real?

Yes, the top rate is real: Stashfin's band runs 11.99% to 59.99% p.a. The advertised 11.99% is a best case for high-credit borrowers; many typical applicants land in the 30–60% zone. Treat ~12% as aspirational, not expected.

What is the true cost beyond interest?

Add a processing fee of 0%–10% on the personal-loan product, plus possible ATM, cash-withdrawal and card charges. On short tenures these fees meaningfully raise the effective APR above the quoted interest rate — always check the final agreement.

How does the Stashfin credit line and card work?

It's a revolving limit (₹1,000–₹5,00,000) on a prepaid/credit-line card: draw what you need, repay in 3–36-month EMIs, and reuse the limit. You pay interest only on what you draw — but the convenience can encourage repeat borrowing.

What do I need to apply for Stashfin?

Aadhaar, PAN, and income proof (last 3 months' bank statements or salary slips); age 18–59, minimum income ₹15,000/month, and a CIBIL from 650. Apply in-app with digital KYC and e-sign; disbursal is within minutes once approved.

Is Stashfin RBI registered?

Lending in India can only be done by an RBI-regulated bank or NBFC, but many loan apps are not themselves the lender — they are digital lending platforms operating for a partner NBFC. To verify for yourself: open the app and find the lender name it is required to disclose, then search that exact name in the RBI's public list of registered NBFCs on rbi.org.in. If an app will not tell you which regulated entity is lending you the money, treat that as a reason not to borrow from it.

What is the Stashfin customer care number?

The Stashfin customer care number is +91 92891 08566 / 0124-6981222. You can also email grievance.officer@stashfin.com. Always cross-check this against the number shown inside the Stashfin app before calling — fake customer-care numbers are one of India's most common financial frauds, and no genuine lender will ever ask you for an OTP, PIN or card details.

How do I file a complaint against Stashfin?

Work the escalation ladder in order. First, raise the complaint with Stashfin support (grievance.officer@stashfin.com) and insist on a written complaint reference number — a call with no reference number effectively did not happen. If it is unresolved, escalate to the grievance redressal officer at grievance.officer@stashfin.com. The regulated entity has 30 days to resolve it. After that, you can complain free of cost to the RBI Ombudsman at cms.rbi.org.in — no lawyer is needed, and the decision is binding on the lender.

How do I stop harassment calls from Stashfin recovery agents?

RBI's rules on recovery conduct are specific: agents may not call before 8 a.m. or after 7 p.m., may not use threats, abuse or intimidation, and may not contact people from your phonebook to shame you. Blanket access to your contacts and photos is prohibited for digital lenders. If this is happening, save the evidence — call logs, screenshots, recordings — and complain to the lender's grievance officer (grievance.officer@stashfin.com), then to the RBI Ombudsman at cms.rbi.org.in if it continues. If the app is not a regulated entity at all, report it on the RBI Sachet portal (sachet.rbi.org.in) and to the cyber-crime helpline 1930 or cybercrime.gov.in. Harassment, morphed images and contact-list shaming are criminal offences regardless of whether you owe money.

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