It was after beating third-seeded compatriot Lisa Camilleri in the semi-finals that event favourite Urquhart, from New South Wales, reached her second successive WISPA Tour final, and the 12th of her career.
But Chinappa, the fourth seed from Chennai, made her breakthrough in the other semi where she beat higher-ranked national rival Dipika Pallikal, the No2 seed, in five games to also reach the 12th Tour final of her career.
And Chinappa, the reigning and ten times Indian national champion, took the opening game against Urquhart - and looked set to repeat her upset over the world No16 in their last meeting in Malaysia over two years ago.
But the Indian star, ranked 20 places lower, was unable to push on as Urquhart increased her variety of strokes to wrap up the match with confidence, winning 8-11, 11-4, 11-5, 11-6 in 39 minutes.
"After losing the first game, I tightened up my serves as Joshna was able to return with elan," explained the 24-year-old Australian left-hander afterwards. "I am happy that most often I succeeded with my double boasts and was able to push to the corner to score points.
"Mainly, I concentrated on my game instead of trying to counter Joshna today," added Urquhart after securing her sixth WISPA Tour title.
