Manage Smallcase

How to cancel smallcase and stop subscription renewals

Understanding smallcase before you cancel

Smallcase is an investment platform that lets you build and manage thematic, strategy-based stock portfolios through your linked broker. You subscribe to curated smallcases-either free or fee-based-and place orders via SIP (systematic investment plans) or lump-sum investments. Fee-based smallcases charge recurring subscription fees set by the portfolio manager, and this is where cancellation becomes important for your wallet.

How smallcase subscriptions work

When you subscribe to a fee-based smallcase, you enter a recurring billing cycle. The platform charges your linked bank account or payment method automatically each month, quarter, or year, depending on the smallcase manager's pricing structure. This renewal happens unless you actively cancel the subscription. Many investors discover they are still being charged months after they stopped using the service, which is why understanding the cancellation process matters.

Who should cancel smallcase

You should cancel if you no longer want to receive the research, rebalancing, or premium features of a fee-based smallcase. You might be charged ₹99 to ₹9,999 per month depending on the smallcase manager-amounts that add up quickly if forgotten. Cancelling stops future charges immediately, though it does not reverse fees already paid for the current billing period.

Your cancellation methods at a glance

Stopee recognises that Smallcase offers multiple cancellation routes depending on how you subscribed, and choosing the right one saves time and frustration.

Cancel through the app or web dashboard

This is the fastest route if you subscribed directly via the Smallcase app or partner broker platform. You access your subscriptions dashboard and toggle cancellation in seconds. No email follow-ups required.

Cancel an e-Mandate (eNACH) subscription

If you authorised automatic payments using an e-Mandate (electronic NACH), you must email Smallcase directly. This route takes up to 72 hours but is mandatory for mandate-based subscriptions. Stopee advises keeping copies of all email confirmations for your records.

Step-by-step cancellation via app or web

This method works if you subscribed to a fee-based smallcase through the Smallcase app or a partner broker's platform.

1. Open the Smallcase app or log into your broker's website where you hold the smallcase subscription.
   • Use the same email and password you registered with.
   • Ensure you have active internet and are on your personal device for security.
2. Navigate to the "Subscriptions" or "My smallcases" dashboard.
   • Look for a section labelled "Active Subscriptions", "Premium smallcases", or "Fee-based smallcases".
   • If you hold multiple smallcases, each subscription appears as a separate card or row.
3. Select the specific fee-based smallcase you want to cancel.
   • Tap or click on the smallcase name to open its details page.
   • Ignore free smallcases-these have no recurring charge and need no cancellation.
4. Locate and tap the "Cancel subscription", "Stop auto-renewal", or "Unsubscribe" button.
   • The button location varies by app version; check near the pricing summary or at the bottom of the details screen.
   • Some platforms ask you to confirm your reason for cancellation-this is optional feedback and does not delay the process.
5. Review the cancellation confirmation message and tap "Confirm" or "Yes, cancel".
   • Warning: Some platforms ask you to confirm a second time. Do not skip this step-confirmation locks in your cancellation.
   • The confirmation screen may remind you that cancellation stops future renewals but does not refund the current billing period.
6. Receive a cancellation confirmation on screen and via email within minutes.
   • The email should include the cancellation date, the name of the smallcase, and the date your access ends.
   • Pro tip: Screenshot the on-screen confirmation and save the email confirmation for 12 months. If Smallcase charges you after cancellation, this proof protects your refund claim.

Cancelling an e-Mandate (eNACH) subscription

If you set up automatic payments using an electronic mandate (eNACH), you cannot cancel through the dashboard. You must contact Smallcase directly via email, and Stopee guides you through each step to avoid delays.

1. Verify you have an e-Mandate subscription.
   • Check your bank statements for recurring charges labelled "Smallcase" or the smallcase manager's name.
   • Log into your bank's app and search for NACH-related transactions. If found, you have an e-Mandate.
2. Compose an email to publisher.help@smallcase.com with the subject "Cancel e-Mandate subscription".
   • Write a clear, concise message: "I want to cancel the e-Mandate for [smallcase name]. My registered email is [your email] and my mobile is [your phone]."
   • Keep the email brief and professional; unnecessary details slow response time.
3. Include your registered email address and the exact name of the smallcase.
   • Smallcase will use this information to locate your mandate in their system.
   • Copy the exact name from your Smallcase account or email receipts to avoid delays.
4. Send the email and wait for Smallcase to reply with mandate details.
   • Smallcase will email you back with the mandate details: maximum limit, validity period, and UMRN (Unique Mandate Reference Number).
   • This typically arrives within 24 hours on weekdays.
5. Review the mandate details and reply with explicit confirmation.
   • Smallcase asks you to confirm by email that you authorise the cancellation.
   • Warning: Your reply email is legally binding. Do not send confirmation unless you are certain you want to cancel.
   • Type or write "I confirm the cancellation of this e-Mandate" to make your intent crystal clear.
6. The e-Mandate cancellation processes within 72 hours.
   • Smallcase will send a final confirmation email with the cancellation date and UMRN.
   • Your bank will stop accepting charges from this mandate after the processing window closes.
   • Pro tip: If you are charged after 72 hours have elapsed, escalate with your bank's customer care using the UMRN. Stopee recommends keeping all emails for your protection.

What happens after you cancel

Cancellation is only the first step. Understanding what occurs after you hit the cancel button helps you avoid unexpected charges and confusion.

Access and renewal timeline

Once you cancel, you retain access to your smallcase holdings until the end of your current billing cycle. If you are on a monthly plan and cancel on the 10th of the month, you keep access until the 30th or 31st. After that date, future subscription renewals stop permanently. You do not lose the underlying stocks you own-those remain in your demat account. Only premium features (like manager research and rebalancing notifications) end.

Your account history and records

Cancellation does not erase your transaction history or account statements. Smallcase keeps all past orders, holdings, and billing records in your account indefinitely, as per record-keeping regulations. You can always log in to view historical data, download statements, or retrieve transaction proofs for tax filing.

Refunds and what you should expect

Refund policies for Smallcase subscriptions are stricter than many consumers expect, and Stopee wants you to understand your actual rights before you cancel.

Standard refund policy

Smallcase does not automatically refund unused subscription portions after cancellation. If you cancel on the 10th of a month-long billing cycle, you lose the charges for the remaining 20 days. This is non-refundable under the standard terms. Cancellation only halts future auto-renewals; it does not unlock refunds for the current billing period.

Refund exceptions and manager discretion

Individual smallcase managers set their own refund policies, which may be more generous than Smallcase's platform rules. Some managers offer partial refunds or credit towards future months if you cancel early. This discretion is entirely at the manager's level. To explore refund eligibility, contact the smallcase manager directly through the Smallcase app-find their name on the smallcase details page.

Consumer protection act and your rights

Under India's Consumer Protection Act, 2019, you have the right to seek a refund if you prove unfair or deceptive trade practices. If Smallcase charged you without clear consent, hid cancellation features, or continued billing after you cancelled, you can file a complaint with your state's Consumer Disputes Redressal Commission. Stopee advises documenting every interaction: screenshots of the app, email confirmations, and bank statements. If Smallcase refuses a legitimate refund claim, escalate to your district consumer court or the National Consumer Helpline (NCHL) at 1800-11-4000.

Smallcase subscription pricing and plans

Understanding what you pay helps you decide which subscriptions to cancel and why.

Important note: GST at 18% applies to all platform fees. Brokerage, STT (securities transaction tax), depository charges, and other statutory levies are charged separately by your broker or the exchanges and are not part of Smallcase's fees.

Common cancellation mistakes to avoid

Cancelling a subscription should be straightforward, but small missteps can leave you stranded or still being charged.

Mistake 1: confusing free and fee-based smallcases

Free smallcases incur transaction fees only-there are no recurring subscription charges. If you cancel a free smallcase, you stop receiving it, but you were never being charged monthly, so cancellation saves you nothing. Focus your cancellation efforts on fee-based smallcases, which carry the ₹99 to ₹9,999 monthly burden. Check the smallcase details page: if it shows a subscription fee, it is fee-based and worth cancelling if unused.

Mistake 2: cancelling through the dashboard and assuming eNACH is cancelled

Many users cancel via the app but forget that eNACH mandates operate independently. If you set up recurring payments via e-Mandate, dashboard cancellation does not stop the mandate. Smallcase will still attempt to charge your bank account. Always email publisher.help@smallcase.com if you used eNACH, even if you already cancelled through the app. Stopee recommends treating these as two separate cancellations.

Mistake 3: not saving confirmation emails

If Smallcase charges you after you cancel, your only proof of cancellation is the email or screenshot you saved. Without evidence, your refund claim weakens. Save every confirmation to a folder labelled "Smallcase cancellation" and keep it for at least 12 months.

Mistake 4: cancelling before payday without checking your bank balance

If you cancel mid-cycle, you still owe the full month's fee. Plan cancellations for the end of your billing cycle (e.g., the last day of the month) to avoid wasting unused days. Check your smallcase details to see your renewal date, then cancel the day before renewal.

Tracking your cancellation and staying protected

After you cancel, you need a system to verify that charges stop and Stopee recommends this checklist to keep you safe.

Post-cancellation checklist

• Save the cancellation confirmation email in a dedicated folder and take a screenshot of the dashboard confirmation.
• Note the cancellation date and the date your access ends (usually at the end of the current billing cycle).
• Set a phone reminder for the first day after your access ends to check your bank statement and Smallcase account.
• Log into your Smallcase account one week after cancellation and verify the smallcase no longer appears under "Active Subscriptions".
• Review your bank statement on the day your renewal would normally occur (e.g., 1st of the next month) and confirm no charge appears.
• If a charge does appear, contact your bank immediately and provide the cancellation confirmation email as proof of your intent to cancel.
• Keep all emails and screenshots for 12 months; they are your defence if a dispute arises.

When to keep your smallcase subscription

Cancellation is not always the right move. Stopee wants you to make an informed decision about whether cancelling truly serves your investment goals.

Reasons to keep your subscription

If the smallcase manager's research, quarterly rebalancing, or thematic expertise directly improves your portfolio performance, the subscription fee may be worth the value. Some investors find that manager-curated thematic smallcases (e.g., EV stocks, renewable energy, financial services) offer research and rebalancing they would otherwise pay a financial advisor ₹5,000 to ₹10,000 per annum to receive. If you actively use the insights and the fee is under ₹5,000 per year, keeping the subscription might make sense. Compare the fee to what you would spend on alternative research sources.

Reasons to cancel

Cancel if you rarely log in, do not act on the manager's research, or view the smallcase as a passive holding you could replicate yourself for free. If you are paying ₹9,999 per month for a subscription you check once a quarter, those annual costs (₹119,988) could be redirected into direct stock purchases or lower-cost index funds. Stopee recommends auditing your active smallcases every quarter: if you have not traded or researched any holdings in 90 days, cancellation likely saves you money without sacrificing returns.

Contact smallcase for further assistance

If your cancellation does not process, you are charged after cancelling, or you need to discuss refund exceptions, contact Smallcase directly.

Email support

Send all cancellation-related queries, especially eNACH mandate cancellations, to publisher.help@smallcase.com. Include your registered email, full name, and the exact smallcase name. Expect a response within 24 hours on weekdays.

In-app support

Open the Smallcase app, navigate to the "Help" or "Support" section, and start a live chat. For urgent issues (e.g., repeated charges after cancellation), in-app chat often receives faster responses than email.

Consumer escalation

If Smallcase refuses your refund or does not honour your cancellation, file a complaint with the National Consumer Helpline at 1800-11-4000 (toll-free). You can also file a formal complaint with your state's Consumer Disputes Redressal Commission online at https://www.consumerhelpline.gov.in. Stopee recommends providing all transaction screenshots, emails, and bank statements with your complaint.

Final steps and your empowerment

Cancelling a Smallcase subscription is quick-often under 2 minutes-but the details matter. You now understand the difference between dashboard cancellation and eNACH cancellation, the strict refund limits, and your consumer protections under Indian law. Whether you choose to cancel or keep your subscription, you are making that decision from a position of knowledge, not confusion or fear of dark patterns.

Stopee has helped thousands of consumers cancel unwanted subscriptions and recover refunds they thought were lost. If you are uncertain about your refund eligibility after cancellation, Stopee's team can guide you through the consumer complaint process and help you build a stronger case. Take control of your subscription expenses today-every ₹100 you stop paying is ₹1,200 reclaimed each year.