Aashutosh KUMAAR

Engineer who Passionate about sharing learning & insights on equity, share market, money, movies, web series, Cricket! 📈🎬💪🏻🌱🏏#investing #movies #learning

[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.

[Aashutosh KUMAAR @imaashutosh9]

#SIP no.65✅(May): (xirr%)

💹Stocks PF: 8% (ex. dividend)

💸MF PF: 11%

#Nifty50 : 8.75%

#MutualFunds outperforming✅ #Nifty50 🎯
but #Stocks PF underperforming nifty by 0.75%.

Stock PF: No change☑️

MF SIP 2X from April☑️.

My stock portfolio? Time to dump it! 📉💸....

[Aashutosh KUMAAR @imaashutosh9]

#SIP no.63✅(March): (xirr%)

💹Stocks PF: 9% (ex. dividend)

💸MF PF: 12.5%

#Nifty50 : 9.5%

#MutualFunds outperforming✅ #Nifty50 by healthy margin!💯🎯
but #Stocks PF underperforming nifty by 0.5%.

Stock PF: No change☑️

From April will increase MF SIP amount again☑️.

🧿🧿

[Aashutosh KUMAAR @imaashutosh9]

@MOHorMAAYA I think they are finally together 😁 as.........

[Aashutosh KUMAAR @imaashutosh9]

#SIP no.63✅(March): (xirr%)

💹Stocks PF: 9% (ex. dividend)

💸MF PF: 12.5%

#Nifty50 : 9.5%

#MutualFunds outperforming✅ #Nifty50 by healthy margin!💯🎯
but #Stocks PF underperforming nifty by 0.5%.

Stock PF: No change☑️

From April will increase MF SIP amount again☑️.

🧿🧿

[Aashutosh KUMAAR @imaashutosh9]

My Stocks PF as of now in descending order (based on total current value):

1. #IDFCFIRSTBANK
2. #IHCL
3. #Titan
4. #NewgenSoftware
5. #icicibank

Recent Exit: #ITC

[Rahul Gandhi @RahulGandhi]

I travelled through Great Nicobar today.

These are the most extraordinary forests I have ever seen in my life. Trees older than memory. Forests that took generations to grow.

The people on this island are equally beautiful - both the adivasi communities and the settlers - but they are being robbed of what is rightfully theirs.

The government calls what it is doing here a “Project.” What I have seen is not a project. It is millions of trees marked for the axe. It is 160 square kilometres of rainforest condemned to die. It is communities that have been ignored while their homes have been snatched away.

This is not development. This is destruction dressed in development’s language.

So I will say it plainly, and I will keep saying it: what is being done in Great Nicobar is one of the biggest scams and gravest crimes against this country’s natural and tribal heritage in our lifetime.

It must be stopped. And it can be stopped - if Indians choose to see what I have seen.

[Aashutosh KUMAAR @imaashutosh9]

@FI_InvestIndia Respect to your post but this advice works for only those lucky enough that their parents already own a home. But what if your parents have lived on rent for nearly 60 years? As a son, only wish is to fulfill their unfulfilled dream. It's not just math & EMIs, it's emotion.🙏

[Aashutosh KUMAAR @imaashutosh9]

@groww_cs Thanks for prompt response.

[Aashutosh KUMAAR @imaashutosh9]

@_groww My MF portfolio is showing incorrect amount. Please look into this. I think there are some glitches. Please confirm.
#groww

[Aashutosh KUMAAR @imaashutosh9]

@Jon22410265 @_groww Don't panic I think it is glitches.

[Aashutosh KUMAAR @imaashutosh9]

@Jon22410265 @_groww Bhai mera to 50% km show kr rha h

[Arun Pudur @arunpudur]

‼️Then it led to Cowardly Pakistani army surrender to Indian Army.

[Shekhar Dutt @DuttShekhar]

Here I’m trying to explain in simple Hindi, what @elonmusk has unveiled yesterday at Terafab

Elon has unveiled madness of dreams.. this guy is crazy… the only person who still believes in massive grand scale level ideas…

yesterday he’s unveiled Terafab.. to make so many computer chips that can’t even be consumed on earth…

So, he’ll send them in space.. on his SpaceX rockets along with his Optimus robots where they will harness minerals of moon, mars, mercury and create so many more factories in space that will further make many more robots, chips, rockets, and satellites…

These satellites will then form a covering around Sun (called Dyson Swarm), and will capture a lot of its energy there, sending it back to places where that energy might be required

Elon says that in 50 years, humans will become intergalactic

That they will leave earth forever

He intends to use this much energy to create a super AI (called Matrioshka brain) so powerful that it could be the most intelligent thing in the entire universe…

Possibly the start of creation of GOD 🙌

[Aashutosh KUMAAR @imaashutosh9]

So happy to hear all the positive love for #ORomeo ❤️ Shahid Kapoor never disappoints — truly one of Bollywood’s finest performers!

Going to watch this one.

[Aashutosh KUMAAR @imaashutosh9]

And that railway platform seen after selections in ranji ... Goosebumps terrific performance by @shahidkapoor
No doubt one of the best actor of Bollywood. #jersey

[Aashutosh KUMAAR @imaashutosh9]

#King on 24th Dec' 2026

[Aashutosh KUMAAR @imaashutosh9]

List of top 7 Human #experiences:

1.Falling deeply in love
2.Becoming a parent
3.Achieving a lifelong dream
4.Being truly understood by someone
5.Helping someone change their life
6.Facing death and surviving
7.Experiencing pure forgiveness (given or received).

[Aashutosh KUMAAR @imaashutosh9]

My Stocks PF as of now in descending order (based on total current value):

1. #IDFCFIRSTBANK
2. #IHCL
3. #Titan
4. #NewgenSoftware
5. #icicibank

Recent Exit: #ITC

[Aashutosh KUMAAR @imaashutosh9]

#SIP no.60✅(Dec): (xirr%)

💹Stocks PF return: 14% (ex. dividend)

💸MF PF: 18%

#Nifty50 : 13%

#MutualFunds outperforming✅ #Nifty50 by healthy margin!💯🎯
but #Stocks PF Outperforming nifty50 by 1% only.

Stock PF update: Exited #ITC completely.

Now total stocks in pf: 5nos

[Aashutosh KUMAAR @imaashutosh9]

#SIP no.60✅(Dec): (xirr%)

💹Stocks PF return: 14% (ex. dividend)

💸MF PF: 18%

#Nifty50 : 13%

#MutualFunds outperforming✅ #Nifty50 by healthy margin!💯🎯
but #Stocks PF Outperforming nifty50 by 1% only.

Stock PF update: Exited #ITC completely.

Now total stocks in pf: 5nos

[Aashutosh KUMAAR @imaashutosh9]

#SIP no.59✅(Nov): (xirr%)

💹Stocks PF return: 14% (ex. dividend)

💸MF PF return: 19%

#Nifty50 : 13.5%

#MutualFunds outperforming✅ #Nifty50 by healthy margin!💯🎯
but #Stocks PF Outperforming nifty50 by 0.5% only.(Time to shift completely in MF)

💥Increase SIP 2X from Nov.

[Aashutosh KUMAAR @imaashutosh9]

Just watched #Dhurandhar & it's mind-blowing💥
#AkshayeKhanna owns every single frame, he dominates the screen for most of the 3H20Min epic. At end act finally unleashes #RanveerSingh in full force Outstanding background score elevates movie throughout!

Casting👍

Solid-4/5⭐

[Aashutosh KUMAAR @imaashutosh9]

#SIP no.59✅(Nov): (xirr%)

💹Stocks PF return: 14% (ex. dividend)

💸MF PF return: 19%

#Nifty50 : 13.5%

#MutualFunds outperforming✅ #Nifty50 by healthy margin!💯🎯
but #Stocks PF Outperforming nifty50 by 0.5% only.(Time to shift completely in MF)

💥Increase SIP 2X from Nov.

[Aashutosh KUMAAR @imaashutosh9]

#SIP no.56✅(Aug): (xirr%)

💹Stocks PF return: 15% (excluding dividend)

💸MF PF return: 21%

#Nifty50 b/w this period: 12.5%

#MutualFunds outperforming✅ #Nifty50 by healthy margin!💯🎯
but #Stocks PF are flat as Outperforming nifty50 by 2.5% only.

#FinanceUpdate

[Aashutosh KUMAAR @imaashutosh9]

Congratulations @NitishKumar ji.... in advance for becoming the next President of REPUBLIC OF BHARAT 💥