Haarukudure

On a treadmill.

[Vaidehi Murthy @ButVai]

Makes sense.

[Haarukudure @haarukudure]

@othlaw @Keerthnashankar Khaali kareyole 🎶

[Haarukudure @haarukudure]

The way Cred has become unusable over the years, pls do the same with WhatsApp too boss. Want to get done with the app already.

[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.

[Haarukudure @haarukudure]

@wonnendaf @SadhuMaharaj16 Hebbalkarr mem for party prezzz

[Hazel @YashViratstan]

- 2 defeats in a row
- Team looked completely out of form
- RCB were at their lowest point of the season

Then came this one six from Bhuvi, that moment changed everything

We escaped the Eliminator… and today, we won 2nd trophy 😭🫂❤️

[Haarukudure @haarukudure]

@nayanikaaa @Sharanyashettyy https://t.co/o3iiPBTpyX

[Haarukudure @haarukudure]

@Leenatic Good one!

[Haarukudure @haarukudure]

@kkdheerajmurthy @KadakMommaga Also means it turns sour and becomes unusable even before it reaches your kitchen.

[Rahul Shivshankar @RShivshankar]

OH, GET OVER IT ALREADY!
BREATHKESS FOCUS ON THE "END OF AN ERA" IN KARNATAKA. It's as if an "irreplaceable statesman" is passing the baton on to an "irrepressible administrator"! Sure, it means a lot for Sidda and DKS and the Cong but little (squat) for the public.
HERE’S KARNATAKA UNDER 3 YEARS OF CONGRESS "DOUBLE ENGINE":
+ Rs 5,229 cr cut in infrastructure spending: CAG says welfare guarantees strained finances.
+ Fiscal deficit jumped from ₹46,623 crore to ₹65,522 crore in a year.
+ Borrowings surged to ₹63,000 crore; revenue deficit crossed ₹9,271 crore.
+ Over 3,140 infrastructure projects reportedly left incomplete.
+ More than Rs 30,000 crore in unpaid dues towards contractors remain pending across eight departments. CM Sidda acknowledged this.
+ Delay in local body polls could cost Karnataka nearly ₹6,000 crore annually in grants.

In short it's been an "era" defined by relentless scramble for power, perks and political positioning while administration and development drifted into a virtual paralysis. Hope it "ends".

[Naval @naval]

A man expresses love through duty.

[Indian Strategic Studies Forum @ISSF_India]

Operation Sindoor: A Story for the Ages

A MyGov production

[Chad Infi𓄿 @chad_infi]

BJP entry in West Bengal on may 4

[Haarukudure @haarukudure]

@ajayrotti It's like Kannada Rajyothsava celebration sir. Small groups celebrate it all month long plus serves well for Summers.

[Haarukudure @haarukudure]

@nihilismpro @imShriKulkarni @calibluvr Only Jayanagara 8th block will remain standing.

[Haarukudure @haarukudure]

@Shreyas_Mysuru @mankuthimma With or without HDK?

[Haarukudure @haarukudure]

This is crazy 🎯 Great stuff @aditigolf

[LPGA @LPGA]

Aditi Ashok, slam dunk 🏀💥 #LPGALookback

[chanakya fc @The_Sleigher]

In India if you are famous you have to die twice

[saif @nightchanges]

this scene from dhurandhar was the definition of peak cinematic storytelling