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He was under treatment at a private medical college in Thrissur for the past nine days.
Those who took car and housing loans will now have to shoulder additional interest burden.
The search that began from an app company, registered at the Okhla Industrial area in Delhi, led to a large online money-lending firm based out of Shanghai in China.
Subitha started receiving threats over phone when she failed to repay the amount. Fearing harassment, she even abandoned the SIM card that she had been using for many years.
Debt-recovery harassment is prohibited under RBI rules which say collection agents cannot harass borrowers.
The total expenses for the transplant came to around Rs 25 lakh which was collected by borrowing money and receiving donations from kind people.
Police say a money deal had taken place hours before Stephen was hacked to death.