In the realm of digital finance and travel, the collaboration between StashFin and IRCTC has introduced a game-changing feature – IRCTC PayLater powered by StashFin. This innovative partnership provides users with the flexibility to defer their payment for train ticket bookings, making travel planning more convenient. In this blog, we’ll navigate through the entire process of using StashFin as an IRCTC PayLater partner, ensuring a seamless experience for travelers.IRCTC Paylater

Understanding StashFin and IRCTC PayLater

StashFin: Empowering Financial Flexibility

StashFin is a prominent fintech player known for its swift and user-friendly financial solutions. From personal loans to credit lines, StashFin caters to the diverse financial needs of its users. The StashFin StashCard, a virtual credit card, is a pivotal element in this partnership, serving as the gateway to the IRCTC PayLater feature.

IRCTC PayLater: Elevating Travel Convenience

IRCTC PayLater, in collaboration with StashFin, is a credit-based payment option offered by the Indian Railway Catering and Tourism Corporation (IRCTC). This feature allows users to book their train tickets without an immediate payment, deferring the transaction to a later date. It’s a boon for travelers seeking flexibility in managing their finances while ensuring their travel plans proceed smoothly.

The Step-by-Step Process of Using StashFin IRCTC PayLater

Step 1: Creating a StashFin Account

To embark on the StashFin IRCTC PayLater journey, users need to have a StashFin account. If you don’t have one, visit the StashFin website or download the mobile app to sign up. The account creation process involves providing essential personal and financial information for verification.

Step 2: Applying for the StashCard

The StashCard is the linchpin for accessing the IRCTC PayLater feature. Once your StashFin account is set up, proceed to apply for the StashCard through the StashFin platform. The StashCard functions as a virtual credit card, facilitating seamless transactions.

Step 3: Approval and Activation of the StashCard

After applying for the StashCard, StashFin reviews your application. Upon approval, you’ll receive detailed information about your virtual StashCard, including the card number, CVV, and expiration date. Activate your StashCard promptly using the StashFin app or website.

Step 4: Linking StashCard to IRCTC Account

With your StashCard activated, navigate to the IRCTC website or mobile app. Log in to your existing IRCTC account or create one if you’re a new user. In the payment options section, choose “IRCTC PayLater” as your preferred payment method. Link your StashCard to your IRCTC account seamlessly.

Step 5: Booking Tickets with IRCTC PayLater

Now that your StashCard is linked to your IRCTC account, proceed to book your train tickets as usual. During the payment step, opt for IRCTC PayLater as your payment method. The booking amount will be charged to your StashCard, and you’ll enjoy the convenience of deferring the payment for a later date.

Step 6: Repayment on StashFin

IRCTC PayLater provides a short-term credit period for users to repay the borrowed amount. After your journey or within the stipulated time frame, log in to your StashFin account to initiate the repayment process. Ensure timely repayment to maintain a positive credit history with StashFin.

Advantages of Using StashFin as an IRCTC PayLater Partner

1. Instant Booking Approval

One of the primary advantages of IRCTC PayLater is the swift booking approval process. Users can secure their train tickets instantly without the need for immediate payment, streamlining the booking experience.

2. Flexible Repayment Options

The collaboration between StashFin and IRCTC provides users with the flexibility to defer their payment, easing the financial burden during the ticket booking process. The short-term credit period allows for repayment at a later date, aligning with the user’s financial convenience.

3. Seamless Integration

The integration of StashFin as an IRCTC PayLater partner ensures a seamless and user-friendly experience. The entire process, from StashCard application to linking it with your IRCTC account, is designed for ease of use, catering to both seasoned and new users.

4. Access to StashFin’s Financial Products

Beyond the convenience of IRCTC PayLater, users gain access to StashFin’s broader suite of financial products, including personal loans and credit lines. This offers additional financial solutions for individuals seeking diverse financial tools.


The StashFin IRCTC PayLater partnership represents a significant leap forward in enhancing the user experience for train travel enthusiasts. By following the detailed process outlined above, users can seamlessly integrate StashFin’s PayLater feature into their IRCTC bookings, unlocking a world of convenience and flexibility in managing their travel expenses.

Explore StashFin’s Financial Solutions: StashFin


Follow Damdaar times on Instagram