Borussia Monchengladbach forward Stindl tapped home against the run of play after a defensive blunder midway through the first half as world champions Germany added another major trophy to their collection.
Copa America winners Chile wasted a glut of goalscoring chances in either half and with the help of a superb stoppage-time save from goalkeeper Marc-Andre ter Stegen, Joachim Low’s side held on to win the tournament for the first time.
After the two sides drew their group game 1-1 just 10 days ago, Chile made the brighter start in the rematch and were clearly the better side throughout most of the first period.
Alexis Sanchez flashed a shot wide in the second minute, Arturo Vidal’s effort from inside the penalty area was parried by Ter Stegen and Eduardo Vargas fired over the crossbar from 25 yards.
Another effort from Vargas was well held by Ter Stegen as Chile looked the more likely to break the deadlock.
Ter Stegen then spilled Vidal’s shot from outside the area into the path of Sanchez, but the Arsenal forward could not control the rebound and another chance went begging.
Moments later Germany snatched a 20th-minute lead with their first meaningful effort on goal.
Chile defender Marcelo Diaz gifted Timo Werner the ball on the edge of the box and the Germany striker ran on and turned the ball across goal for Stindl to tap into an empty net.
The South Americans carved open the German defence again four minutes later, but the final ball into the box from Mauricio Isla flew beyond Charles Aranguiz with an equaliser beckoning.
Germany finished the half strongly, with Leon Goretzka lashing an angled shot wide following Sebastian Rudy’s brilliant through-ball before Julian Draxler steered a low effort inches left of goal after being set up by Werner.
Early in the second period, Gonzalo Jara’s last-ditch block deflected Draxler’s shot wide before Serbian referee Milorad Mazic booked Bayern Munich teammates Joshua Kimmich and Vidal following a fracas as the game turned feisty.
Mazic called on the video assistant referee just after the hour mark when Jara appeared to strike Werner in the jaw with his elbow as he challenged for the ball. But the VAR review courted more controversy when Mazic opted to show the fortunate Chile defender a yellow card.With 20 minutes to go, Chile upped the tempo and saw Vargas’ 74th-minute shot from a Aranguiz pass saved by Ter Stegen, before Sanchez and Vidal were both denied from close range.
Following the Sanchez attempt, Chile appealed to the referee for a penalty, but after consulting VAR it was denied.
Edson Puch set up fellow Chile substitute Angelo Sagal for another gilt-edged chance in the 85th minute, but the latter blazed over from eight yards.
Ter Stegen denied Chile again in time added on, diving low to his left to keep out Sanchez’s free-kick from just outside the area to ensure victory for Low’s experimental squad.
And further accolades came for the Germans as Draxler was awarded the Golden Ball as the most valuable player for the tournament and Werner the Golden Boot as top scorer and assister. Chile’s Bravo won the Golden Glove as best goalkeeper.