vCard – Mobile Credit Card vs. Stashfin Sentinel Utilizzo e statistiche
vCard is a Mobile Credit Platform. vCard partners with Pinnacle Capital Solutions Private Limited ( RBI Registered NBFC) for credit line products known as PINCAP https://www.pincap.in/our-partner .
Activate Cash in Your Mobile Now
vCard is your One-Stop Finance App for On-Demand credit. Use it as Credit Card, use it as cash, and use it as a Personal Loan. Instant Approval,
Digital Documentation, Zero Joining Fees. Contrast to 15 day+ processes for Plastic Credit Card.
Get vCard Credit Line issued by Pinnacle Capital Solutions Private Limited ( RBI Registered NBFC) known as PINCAP.
● Paperless KYC application.
● Zero processing charges and Zero Annual Fee.
● 3 - 3.5% per month roll over interest.(36% to 42% APR)
● 0 – 30 day Interest-free period depending on Credit Score and Monthly Spend.
● Up to Rs. 60,000/- credit limit.
● Pay at your convenience there are no prepayment charges.
● Option to convert the loan into monthly installments (EMI) of 3, 6, 9 months depending on the principal amount @24% and 2% conversion charges.
● Finance Charges reduce based on credit score and spend history.
● Personalized offers on Food, Shopping, Entertainment, Online Spend etc.
Minimum and maximum period for repayment
Tenures for EMI
Minimum: 3 months Maximum: 9 months
Sample calculation in case the loan is converted to an EMI:
For Loan of ₹5,000 of 3 month tenure with interest rate @24% per annum
One time Processing fee @2% of Principal = ₹100
Monthly payment/EMI = ₹1733.77
Amount paid back in 3 EMIs= ₹5201.31
Total interest on the 3 EMI= ₹201.31
Total interest + processing fee = ₹301.31
GST (applicable @18% on fees) : Rs 18.00
Total amount to be paid by customer i.e. principal + interest + fee + GST= ₹5319.31
AI in Credit
vCard also has a First-of-its-Kind Chat-based Credit Card Support on WhatsApp or reach out to us at hi@vcard.ai
Now you don’t have to spend long hours waiting to connect to customer support or listen to the monotonous flute music. Just reach out to Bot + Human support through the vCard app.
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Enjoy the power of instant money with StashFin Sentinel – An initiative exclusively for the Indian Armed Forces & CAPF personnel. India's fastest, easiest, safest and smartest, Person Line of Credit and Personal Loan App, StashFin is powered by Akara Capital Advisors Private Limited, an NBFC duly registered with the Reserve Bank of India (RBI). With its quick and easy application process, StashFin Sentinel provides fast & reliable access to funds – anytime, anywhere for the protectors of the Nation
• Stashfin Credit Line - Transfer credit in your bank account
• Pay interest only on the utilized amount & not on the entire line of credit
• One time registration & lifetime personal line of credit
• Repayment period: 3 to 36 months
• Enjoy Credit line upto ₹10 lakh
• Flexible repayment options incurring zero annual fees & hidden charges
• Minimum documentation, instant approval and quick disbursal
• Free credit report and credit history analysis
• Option of securing loan through “Credit Shield”
In matters of loans, one size doesn’t fit all and we offer you the choice of picking a credit line best suited to your needs and help you take control of your finances. We offer interest rates ranging from 9.99% - 35.9% APR (Annual Percentage Rate), the rates may vary on a case to case basis. A low processing fee is charged in certain cases and there are no hidden costs.
Example:
Loan Amount: ₹10,000
Tenure: 3 months
Rate of Interest: 11.99% p.a.
Processing Fee: ₹0
Total Interest: ₹167
EMI: ₹3389
APR: 11.99%
Amount Disbursed: ₹10,000
Total Repayment Amount: ₹10,167
Sample Monthly EMI with Sample Principal and Interest
EMI Principal Interest
₹3389 ₹3305.74 ₹83.25
₹3389 ₹3333.26 ₹55.73
₹3389 ₹3361.01 ₹27.98
How does StashFin Sentinel Work?
• Download the App and register
• Fill in your details and upload verification documents
• Once verified the final application status can be checked on the App. You will also be notified of your approval status via SMS
• Once approved, E-sign the loan agreement and the approved amount will be disbursed to you within 5 minutes. An SMS notification will be sent to your registered number notifying the same
Eligibility Criteria
• Indian Citizen
• Above the age of 18
• Serving Defence & CAPF personnel
• Must have a source of income (either salaried or self-employed)
Documents Required
• Aadhaar Card
• Identity Proof (PAN ID)
• Bank Statement latest 3 months
• Salary Slip latest
Available across all military & CAPF locations pan India
Security & Protection of Privacy
Data security and privacy is a top priority at StashFin. Our backend APIs comply with mandated security standards and robust protocols which have been tested and certified.
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vCard – Mobile Credit Card VS. 
Stashfin Sentinelgennaio 6, 2025