A charged compact star is modelled within the framework of general relativity and electromagnetism to investigate the intricate complexities arising from charge accumulation through the accretion of surrounding charged baryonic matter, charged dark matter, or both. The Einstein–Maxwell field equations are solved for the compact star PSRJ0740+6620 in anisotropic regime by employing a Gaussian type density profile over a coherent background. A radially modulated exponential function is used as a seed ansatz for coherently connecting the class-one type metric. The structural stability and feasibility are then probed through physical bounds on stellar parameters at equilibrium. The key findings associated with charge accretion emphasised: (i). the existence of a transition zone close to mass M∈[1.262,1.271]M⊙ and radius R∈[12.497,12.505]km, indicating the formation of a core–shell type stellar structure (ii). the plane shifting of intrinsic force fields and (iii) the spin retardation, both suggest a non-vanishing spin–charge coupling between the stellar spin and the accreted charge, whether it be from baryonic matter, dark matter, or both.