Vimal

Interested in why smart people make dumb financial decisions. Building. Investing. Running |

[Anand Srinivasan @anand_srini]

“ To get what you want,you have to deserve what you want”. “ The world is not a crazy enough place to reward a whole bunch of undeserving people”. Charlie munger.

[Tim Denning @Tim_Denning]

I got fired from my job at 33.

I was a high performer and was exceeding my KPIs. I thought I had nothing to worry about.

Here's 8 things I wish someone had told me sooner:

1. Never trust a boss

[Prime Bottomline Ventures @primebottomline]

Prime Bottomline Ventures x GRG Gen Nxt presents LaunchPad 2026. A pitch competition for AI & AgriTech startups. Cash prizes, mentorship, investor intros.

[Maheshwer Peri @maheshperi]

There’s a particular kind of fear that only a parent knows. The fear that comes watching your child choose a life you can’t quite protect them.

Vinayak is an engineer by education. He was in product, good at his job, well liked and adding value. Everything about it looked right from where I stood: Security, salary, work place etc.

But he felt that he didn’t fit. Not as a complaint but a quiet truth. He didn’t like the closed spaces, the stillness and the daily routine.

On a family holiday, he took to deep sea diving. He went back again, to the same diving site. He learnt. He trained. And he started interning with them and helping tourists. He would check the oxygen cylinders, give demos, instructions. And he soon got certification as a deep sea diving instructor.

And one fine day, he announced that he is quitting from his corporate life. He went abroad and learnt more. And more. And more. He trained. Got every certification - On diving, surviving etc.

He is now a deep sea diving instructor, working in Indonesia. He earls less than half the pay, carries cylinders, spends long hours underwater, lives without the comforts I spent a career trying to provide. No AC room. Not even a wash basin in his room. No safety net.

He is happy. Underwater, undercompensated, and, by every real measure, more himself than he ever was in that office.

My fear hasn’t fully gone. I don’t think it’s meant to. He didn’t need me to protect him from this choice. He needed me to trust that he knew himself better than I did. That’s the harder thing to learn, as a parent: sometimes love means stepping back and letting someone be honest, brave and trusted.

I am proud. He had the courage that I didn’t have. He gave up comforts and chose what his heart said. He trained. Learnt. He was happy to be a subordinate than be the promoters son. He chose the difficult path. The not so treaded path. He is happy. And I am proud.

Happy birthday Vinayak.

[The Timeless Traveler 🇺🇸 @TimelessTrvlr]

Aveiro is the Portugal people miss when they only talk about Lisbon and Porto.

Canals cut through the city, painted boats drift past Art Nouveau buildings, and the striped houses of Costa Nova sit just minutes away.

[Dr Aniruddha Malpani, MD @malpani]

Frugality isn't just a mindset;
it's a superpower.

[Siddharth Sharma @SiddharthS85]

Ok Bangalore Twitter need help.

My cousin is undergoing cancer treatment at HCG (near Mission Road).

He needs blood donations and we have exhausted our family members.

If anyone is willing to donate please ping me - I will share details. Any blood group is fine - the hospital just needs replacement.

(Please RT for karma. We need as much blood as possible)

[Kunal Shah @kunalb11]

It’s been a minute.

2015–2018
- Exited FreeCharge. Spent time learning and investing.
- Pondered about: Why can't trust be rewarded? Started with $1M of personal capital.
- Launched CRED to reward people for paying credit card bills on time.

2019–2025
- Built a system run by a team that values ownership, judgment, and craft.
- Grew from 0 to 17M members by aligning incentives with behaviour.
- Built several products during COVID lockdowns.
- Raised $900M+ from global investors. Did 4 ESOP buybacks.
- Made Indiranagar and IPL ads slightly more interesting.
- Received a full stack of regulatory licences.
- Lost 35 kilos.
- Scaled from 0 to ~$325M ( ~₹3,200 crore) in annual revenue across payments, lending, insurance, commerce, wealth, and credit cards.
2026
- First profitable quarter (yet occasionally asked what our business model is)
- Raised another $900M from Meta in primary and secondary capital.
- Announcing our 5th ESOP buyback.

Today

CRED is ready for its next phase. I am stepping back and @miten steps in as interim CEO, partnered with an incredibly talented team. He has been heading strategy and finance and suffering me since 2020. I’m stepping away from the operating role and will continue as a shareholder. My commitment doesn’t change. Just the role.

Extremely grateful to our members, partners, regulators, and investors who made this possible. And to our board, Shailendra, Micky, Saurabh for their extraordinary conviction.

Team CRED, I’ll still expect you to be a 10x version of yourselves.

As for me, I’ll be joining Meta to lead WhatsApp globally.

Meta comes in as a minority investor in CRED. No access to member data.

While it’s come very far, the delta between WhatsApp today and its full potential is massive. I look forward to working with Mark, Chris, and the leadership across Meta for the next step in WhatsApp’s journey. Will, thank you for scaling something the world relies on quietly, and for making this transition smooth.

Onwards.

[Prime Bottomline Ventures @primebottomline]

Why Tier 2? Thread: #Tier2India

[Prime Bottomline Ventures @primebottomline]

1/ A new ₹20 Cr early-stage fund headquartered in Coimbatore. Fund I opens this
month.

[Prime Bottomline Ventures @primebottomline]

What we don't do:

✗ Pre-revenue bets
✗ Metro-only plays
✗ Vanity-metric businesses
✗ ₹50 Cr cheques in disguise

We're not the right fund for some founders. That's a feature.

[Vimal @Mr_bottomline]

Shameless dynasty politics and its justification, even by the literate, rational people was unbearable.

This curse has been lifted, regardless of whatever the new comer is/will be capable of

[Vimal @Mr_bottomline]

Such is the credibility of political journos. They should just be restricted to sheer entertainment value they provide.

No value addition beyond that

[Raghu Tweetbook @RaghuTweetbook]

Pandey is trying to escape the situation by blaming it on all the other surveys that went wrong 😂😂😂

He could have simply said he shouldn't have gotten personal about it and uttered words like "விஜய் பத்து சீட் ஜெயிச்சுட்டா நான் அரசியல் பேசுவதையே நிறுத்தி விடுவேன்"

Then other analysts and survey teams did not utter stuff like that. But @RangarajPandeyR did. He needs to regret it. Journalists and analysts should never get personal about predictions and reporting.

#TVKVijay‌ #Vijay‌ #DMKfails #pandey #elections2026

[Vimal @Mr_bottomline]

Strategy matters. Talent matters.

But incentives decide what actually happens on Tuesday morning.

[Vimal @Mr_bottomline]

Work should a platform for learning and thinking, not as a prison of your necessities

[Vimal @Mr_bottomline]

The world is full of rich people who are spiritually bankrupt, trapped by their own appetite.

[Vimal @Mr_bottomline]

Volatility reveals temperament.
Temperament determines outcomes.

[Vimal @Mr_bottomline]

The only person worth impressing is your future self.
Not with status, but with health, financial stability, and clarity of mind.

[Vimal @Mr_bottomline]

In the short run, war creates volatility.
In the long run, capital reallocates and continues.

Markets price survival faster than sentiment.

[Vimal @Mr_bottomline]

The only way to live Rich is to live like you are not rich