Harshit Bhandari

Aim for the moon, even if you miss you may hit a star.
#India
Views are personal.

[Harshit Bhandari @harsb9]

Key Takeaways from Morning Star Investement Conference

A Thread 🧵

1) KV Kamath-
KV sir laying out the framework of how can we reach 25trl in next 25 years.
Also he shared an inspiring story of creating #ICICI direct platform in just 90 days.
And at 1/8th of the budget.

[Harshit Bhandari @harsb9]

@baabuOP That is pocket change for them

[Harshit Bhandari @harsb9]

@Dhimahi11 But this case will set an example.
If required action is taken.
Indian judiciary should not make a mockery of itself in this case.

[Jeet Mashru @mashrujeet]

Please explain this road quality work in Mumbai. @mybmc

Video : @RonakBairai

[Harshit Bhandari @harsb9]

@ANI If sia is found guilty in the court.
This lawyer's licence should be cancelled. He will charge a bomb to fight this case where he knows the entire scenario and the criminal.
This can set an example.

[Harshit Bhandari @harsb9]

@sagarcasm Not funny

[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.

[Harshit Bhandari @harsb9]

@kunalb11 All the best for your new journey

[Harshit Bhandari @harsb9]

@NICMeity

The domain https://t.co/anmXfNv64H is inactive.

Please look into this. It's been a week. Not able to access the birth certificate. Need to manually redirect to https://t.co/VlCqN3UPwt domain.

Fix this.
@AshwiniVaishnaw @NICMeity

[Acyuta @AgniVesa_07]

Meet Sadiq ali, the pakistani canadian, living in toronto, he's the head of TF-2990, and runs dozens of similar accs, his soul purpose is to spread misinfo and hatred against indians on a massive scale by manipulating twitter algorithm.

EXPOSING HIS ENTIRE SYNDICATE. 🧵

[Tanvi Jain 🇮🇳 @TanviSolanki_]

@prasadvedpathak Didn't you watch the @JainMedia video ?? Bro watch it again and stop your drama. The jain community has already given you the explanation you wanted and still you are stretching the matter why ? Don't drag jain sadhus here, we the shravak have made white Patti.

[Arpit Shah @arpitsinger]

You chose #Jain_Jihad. Not Society Dispute. Not Common Area Concern. Jihad.

That word was not chosen accidentally. It was chosen to trigger. To provoke. To cast a peaceful community ; one whose entire religious identity is built on Ahimsa .. as an aggressor. As a threat.

Jains do not have armies. They do not have political militias. Their monks do not carry weapons — they do not even carry shoes. Using the word "Jihad" for white paint on a footpath is not criticism. It is targeted communal incitement. Now, the actual complaint — let's address it point by point.

1. "Permanent white oil paint"

This is either a factual error or a deliberate exaggeration — and given the hashtag you chose, it is worth asking which one.

The paint used on pathways is traditionally the same category of material used in whitewashing walls across India for centuries. It is water-permeable, non-toxic, and weathers off naturally within a few months without any manual removal. Look at your own photographs carefully. The existing tiles beneath the paint are completely intact. No surface has been damaged. No structure has been altered. What you are showing the world is a white strip on a footpath — not a construction, not a permanent installation, not a takeover.

2. "Religious practice forced on us by altering common space"

Let us look at what is actually in your photographs. There is a white painted strip on a walking pathway. That is all.

- No road has been blocked.
- No gate has been locked.
- No signage excludes any resident.
- No structure has been built.
- No community has been prevented from using the space.

The pathway remains fully accessible to every resident of every faith. The paint does not demand anything of you. It does not require you to follow any religious practice. It does not ask you to change your diet, your dress, your schedule, or your beliefs.

3. The practical benefits — which every resident shares

Setting aside the religious dimension entirely, this practice has real, demonstrable benefits that are available to all residents regardless of faith:

Cooler surface temperature: White surfaces reflect sunlight rather than absorbing it. In Maharashtra summers, where ground temperatures on dark surfaces can exceed 55–60°C, a white-painted walking path is measurably cooler underfoot. This benefits elderly residents, children, and anyone who walks barefoot — Jain or otherwise.

Inhibits algae and moss growth: Lime-based paint has natural antimicrobial properties. It prevents the growth of algae, moss, and slippery microorganisms on walking surfaces — making the path safer for everyone, particularly during monsoon season when wet surfaces become hazardous.

4. On being a "victim"

Victimhood is a serious claim. It deserves a serious standard. Victims of actual religious coercion face job loss, social exclusion, violence, displacement, destruction of property, and denial of basic rights. Communities across India — of many faiths — carry those wounds.

You are describing white paint on a footpath in a housing society. Calling yourself a victim of "Jain Jihad" for this does not just trivialize your own complaint — it trivializes the real suffering of genuine victims of communal violence and religious persecution. That is not a small thing.

A final word — on harmony,

Jains have lived in Maharashtra since centuries - They have funded hospitals, established educational institutions, contributed to trade, scholarship, and civic life. You responded with #Jain_Jihad and tagged a political party and a TV news channel. That tells us considerably more about the nature of this dispute than the photographs do.

Raising a legitimate housing society concern is your right. Weaponizing it with communal hashtags and media amplification is a choice..I hope you will choose differently next time.

#jainism

[Sachin @Sachin1981KUMAR]

@aravind My feeling is you are one such account 😁

[Harshit Bhandari @harsb9]

@worshipVK Gg naam walo ka saal accha he.

[Trendulkar @Trendulkar]

my entire timeline is either فارسی or עִברִית

[Harshit Bhandari @harsb9]

@Riocasm

[Harshit Bhandari @harsb9]

@Nostre_damus Already discounted

[JyotiKarma🚩🇮🇳 @JyotiKarma7]

All fame reaches God, God is great !

[Lakshya Sen @lakshya_sen]

Overwhelmed with the support. The encouragement means a lot and inspires me to do better.
Missed the target this time but I absolutely gave my all.
Good things are coming I'm sure.

Thank you all! 🙌

[Harshit Bhandari @harsb9]

@chiragchhajer @burmaburmaindia Lots to learn from you and also
@NeilBahal .

[Harshit Bhandari @harsb9]

@KirtanShahCFP https://t.co/gnXcAq6j4J

[Harshit Bhandari @harsb9]

All this trump tantrums are happening because he wants to compete with China.
He is targetting countries that are associated with China only.
1) Venezuela - Supplying crude oil to China.
2) Iran- Again supplying oil to china.