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StashFin online EMI payments

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StashFin Loan EMI Payment

Q: How do I pay my StashFin EMI online?

You can pay your StashFin EMI through the StashFin app on Android or iOS, via UPI through Google Pay, PhonePe, or Paytm by searching "Akara Capital Advisors" or "Stashfin" under the BBPS Loan EMI biller, or by NEFT/IMPS to the virtual account number listed in your sanction letter. Most customers have NACH auto-debit set up so the EMI is debited automatically on the due date.

Q: Who is the actual lender on a StashFin loan: StashFin or someone else?

StashFin is a digital lending app operated by EQX Analytics Private Limited, but the actual lender on record is its NBFC partner Akara Capital Advisors Private Limited, which is registered with the Reserve Bank of India. This means your loan agreement, credit report entries, and grievance escalation all go through Akara Capital Advisors as the regulated NBFC.

Q: What is the StashFin customer care number and email?

The StashFin customer care number is +91-9289108566 with an alternate line at 0124-6981222, available Monday to Friday from 10am to 5pm. For written complaints or grievance escalation, email grievance.officer@stashfin.com. Customer queries can also be raised through the in-app help section.

Q: How do I close my StashFin loan or credit line early?

Open the StashFin app, go to "My Loans", and choose "Foreclose Loan" to see your live foreclosure quote. Outstanding principal plus any foreclosure charge and GST. Pay through UPI, net banking, or debit card from the same screen. After payment, ask customer care for a No Objection Certificate (NOC) and verify the closed status reflects in your credit report within 30 to 45 days.

Q: What is StashFin Sentinel and how is it different?

StashFin Sentinel is a separate credit-line product offered exclusively to serving and retired personnel of the Indian Armed Forces and Central Armed Police Forces (CAPF). It carries a different app, different eligibility, and typically better pricing than the regular StashFin line of credit. The underlying lender is still Akara Capital Advisors Private Limited.

Q: What happens if I miss a StashFin EMI?

A missed StashFin EMI triggers a late payment fee, additional interest on the overdue amount, and a negative entry to your credit report once the EMI is more than 30 days past due. Pay it as soon as possible through the app and call customer care to confirm. A single 30+ day late payment on a StashFin loan can drop your credit score by 50 to 100 points and stays on your credit report for seven years. If the StashFin entry is already showing as 'overdue' or 'written-off' on your credit report by mistake, Oolka reads the report, drafts a dispute filing to StashFin, and tracks the response. No copy-pasting needed.

Q: Will closing my StashFin loan improve my credit score?

Closing a StashFin loan in full with no late payments is positive for your credit history, but the score impact depends on your overall credit mix and utilisation. If StashFin is your only active loan, closing it can briefly reduce your score because it removes an active credit account. Oolka AI reads your credit report, shows the exact entry from Akara Capital Advisors, and tells you whether closing, settling, or continuing is the better move for your score. Oolka also flags which of your remaining loans qualify for a lower-rate refinance after the closure.

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About StashFin

StashFin is a digital lending platform launched in 2016 by Tushar and Shruti Aggarwal, offering instant personal loans, credit lines, corporate bonds, and credit-builder tools to over 4 crore Indians. The StashFin app itself is operated by **EQX Analytics Private Limited** as a Lending Service Provider, with loans disbursed by its NBFC partner **Akara Capital Advisors Private Limited**, an RBI-registered Non-Banking Financial Company. StashFin offers loans from ₹1,000 to ₹5,00,000 with tenures from 3 to 36 months, and runs a dedicated "Sentinel" product for Indian Armed Forces and CAPF personnel.

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Personal loan (instant, ₹1,000 to ₹5,00,000)

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Credit line / line of credit (revolving, with up to 30-day interest-free period)

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StashFin Sentinel: line of credit exclusive to Indian Armed Forces and CAPF personnel

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Corporate bonds investment (via SEBI-registered OBPP partners: GripInvest and Aspero)

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Insurance bundles (Wallet Protect, Loan & EMI Protect, Travel Assist)

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Credit repair and credit score monitoring

These are the loan products StashFin offers across India.

How to Pay StashFin EMI Online

You can pay your StashFin EMI through several channels:

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StashFin app: view loan, pay EMI, foreclose, part-prepay (Android + iOS)

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NACH auto-debit: default for most loans, deducted from your registered bank account on the EMI due date

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UPI: pay through the in-app UPI flow or via the registered VPA on any UPI app

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Net banking: through the StashFin app and website

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Debit card: supported in-app for EMI and prepayment

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NEFT / IMPS: to the loan-specific virtual account shared with you at disbursal

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BBPS: pay StashFin EMI on Google Pay, PhonePe, or Paytm by searching "Akara Capital Advisors" under Loan EMI biller category

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**Track StashFin EMI on Oolka:** if you have loans across multiple lenders, you can manage all your EMIs in one view on Oolka and get an alert when your credit score qualifies you for a lower-rate refinance offer.

Use the official channels above, or pay on Oolka to get cashback, EMI reminders, and a free credit score check.

StashFin Customer Care

Contact StashFin directly for EMI, account, or grievance queries:

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Customer care: +91-9289108566 (Mon-Fri, 10am to 5pm)

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Grievance officer email: grievance.officer@stashfin.com

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Registered office: Unit Nos. 1801 to 1807 and 1815, 18th Floor, Magnum Global Park, Golf Course Ext Road, Sector 58, Gurgaon, 122011, Haryana

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Alternate line: 0124-6981222

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Contact page: stashfin.com/contact-us

For account-specific queries, log in to https://www.stashfin.com.. https://www.stashfin.com. Existing customers log in through the StashFin app or via the "Login" link on the homepage using their registered mobile number and OTP. The dashboard shows your active loan, available credit line, EMI schedule, foreclosure quote, and prepayment options.

StashFin Prepayment and Foreclosure

StashFin allows full foreclosure and part-prepayment on its personal loans and credit-line product, with foreclosure charges and lock-in periods varying by product and partner-NBFC policy. The exact foreclosure fee, GST, and any minimum-tenure restriction appear in your StashFin sanction letter and on the app's "Loan Details" screen. Because StashFin's lender of record is Akara Capital Advisors, all foreclosure terms follow that NBFC's published fair-practices code. Check the schedule of charges in the app before paying. Before you foreclose, run the numbers on Oolka. It shows exactly how closing this StashFin loan will move your credit score, since sometimes keeping the account open longer is better for your credit mix.

Why Pay StashFin EMI on Oolka

Three things you get on Oolka that you do not get paying directly:

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EMI reminders three days before the due date, so you never miss an EMI by accident.

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Free credit score check, so you know how your EMI history is affecting your credit.

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Cashback offers on select payments.

Most importantly, Oolka shows you exactly how an on-time StashFin EMI moves your credit score, and what to do if you have already missed one.

Frequently Asked Questions about StashFin

How do I pay my StashFin EMI online?

Who is the actual lender on a StashFin loan: StashFin or someone else?

What is the StashFin customer care number and email?

How do I close my StashFin loan or credit line early?

What is StashFin Sentinel and how is it different?

What happens if I miss a StashFin EMI?

Will closing my StashFin loan improve my credit score?

Other Lenders You Can Pay on Oolka

Oolka supports EMI payments for loans from these lenders too:

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