Stashfin Referral Code

Stashfin pays up to ₹300 per successful referral. The more valuable thing on this page is a single rule about where loan money is allowed to travel, which is the fastest way to identify an app that should not be trusted.

Stashfin provides personal loans and a credit line through an app. Its referral pays **up to ₹300 per successful referral** — a straightforward structure by the standards of this batch, though "up to" still signals tiering, so the base rate is the figure to establish in-app.

The reason to read this page is a rule, not a reward.

**Under the RBI (Digital Lending) Directions, 2025, loan money must be disbursed straight into the borrower's own bank account, and repayments must go straight back to the regulated lender.** Funds may **not** be routed through a Lending Service Provider or any other third party's account. The narrow exceptions are recovery of delinquent loans, co-lending arrangements between lenders, and cases where money is disbursed directly to an end-beneficiary for a specific purpose.

**Memorise that, because it is the single fastest test of a lending app.** Money that arrives from somewhere other than a regulated lender, into somewhere other than your own account — or a repayment request pointing at a personal UPI ID, a collection agent's account, or a wallet — is not an administrative quirk. It is a breach of a specific rule that exists precisely because pass-through accounts are how borrowers get separated from money and from the paper trail that would let them prove it.

The same Directions carry the other protections that run through this cluster:

A **Key Fact Statement** issued **before disbursal**, digitally signed and delivered automatically, in the form set by the **KFS Circular of 15 April 2024**, disclosing the **all-inclusive Annual Percentage Rate** together with the sanctioned amount, tenor, monthly repayment and applicable **penal charges**. Matched loan offers must show those and link to the statement.

A **cooling-off period** of at least **one day for very short loans** and **three days for tenors above a week**, during which the loan can be exited by paying only proportionate interest and the disclosed processing fee.

And **accountability that survives outsourcing**: regulated entities must carry out enhanced due diligence before engaging Lending Service Providers and must review those relationships periodically, and outsourcing does **not** absolve the regulated entity of responsibility for borrower outcomes. If something goes wrong, "we only run the app" is not a defence available to anyone in the chain.

**On sharing the referral:** ₹300 is a payment for introducing someone to debt. It does not scale with how much they borrow, which puts it closer to KreditBee's flat ₹75 than to True Balance's share of ongoing loan activity — but the disclosure principle is the same. Tell them you are paid, and tell them about the cooling-off period. The second is worth more to them than the first costs you.

And if you are the one borrowing: compare on **APR from the Key Fact Statement**, check the money lands in **your own account**, and remember you have **one to three days** to undo it.