manoj dua

Investing . liking : music ,movies , sports : Cleverness is for men of small ambition.. slow is smooth and smooth is fast

[manoj dua @manojdua]

A very misunderstood concept -

You can be content and still have goals.
You can be content and still puruse your goals.

So, what changes?

Now, you pursue your goals with a mindset of gratitude rather than a poverty mindset! FWD

[Empire Mindset | Wealth Architect @guideforman]

Money without free time is a trap.

[Gaurav Sud @gauravgsgs]

One of my role models - Seth Klarmen. He rarely gives interviews n it was a pleasure watching this.

His book "Margin of Satefy" has been an all time favorites for me.

[Dhruv Bajaj @dhruvbajaj184]

You are too kind bhaiya!
Discussions with you have refined my thought process on market sense a lot~
Evaluating stocks doing well➡️check trigger (whether temporary or structural) & apply valuations(keeping in mind how instituional liquity will flow) is such a pragmatic advice🙂

[Pankaj Parwanda @pankajparwanda]

For years the biggest bottleneck at goSTOPS wasn't money or property or competition. It was me. Took me a long time to see it. 🧵

[manoj dua @manojdua]

@riteshmjn Why they are asking is not a debate ?

[manoj dua @manojdua]

https://t.co/vt8XprZzcT subscribe friends .. small kid making fun video and shorts

[Sahil Sharma @sahil_vi]

Came across this really interesting Youtube channel for EDM music created by a very talented 5th grader, i encourage all of you to subscribe & listen!

https://t.co/APWKBKFUma

[Satpal Singh @vsvicky_]

Arvind Kothari 🔥

Walked away from a secure job at ICICI Bank.

Built Niveshaay from managing family & friends' wealth.

Known for going from plant to plant, conducting deep on-ground channel checks to build conviction.

Some Of His Most Spectacular Multi-Baggers

Made 8x In Sanghvi Movers
Made 10x In Apar Industries
Made 20x In Borosil Renewables
Made 14x In Shivalik Bimetal Controls

Believes in taking big entrepreneur bets over quarterly performance.

Advisory footprint & (AUM) of Arvind Kothari's firm, Niveshaay is approximately ₹661. Cr 🔥

[Gregory Blotnick @gregoryblotnick]

148 pages of investment checklists

https://t.co/7h793Gzdgp

(compiled by Phil Ordway)

you'll see enough overlap w/ the "Tiger" one to recognize that all checklists begin to blend together, and very quickly become overload, useless, not "real work," and imo poor "return on time"

[manoj dua @manojdua]

That’s the J curve or convexity in life come from Vision , temperament, hard work ( which we all do ) and believe and wisdom ( which most doesn’t posses including me )

[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.

[Pankaj Parwanda @pankajparwanda]

12 years of running hostels across India taught me something I didn't see coming. Young Indians aren't travelling to see places. They're travelling to meet people. Themselves included. 🧵

[manoj dua @manojdua]

@Vichyhacker @sahil_vi @RMantri Ecosystem matters .. funding matter .. 92% of ai unicorn in Bay Area and 2% is next in new york.people have to understand many many things in picture

[Ashish Chugh @hiddengemsindia]

Microcap investing has taught me a lot (still learning) over the past 30 years - about patience, conviction, discipline and Risk. I shared some of these learnings in my recent podcast with @kushallodha548 & talked about my learnings, mistakes, successes & failures in my Investing journey. Hope it adds value to fellow investors.

https://t.co/Pq4ZRrWLcL

[ishmohit @ishmohit1]

We recently turned 6 at @soicfinance

6 Years of hardwork and adding value :)

Thank you so much for being a part of the journey

[manoj dua @manojdua]

@porinju @sunnyporinju @joshuaporinju @LittyPorinju Happy birthday sir

[ishmohit @ishmohit1]

Have created an AI dashboard using Claude where you just need to enter companies name and it will give you a detailed forensic report card.

Sharing this at 5:30 today in forensic webinar @soicfinance

[Greater Noida West @GreaterNoidaW]

Dekh lijiye Fire Brigade ki “Fire Power”!

Aag 12th floor par lagi hai, lekin paani mushkil se 6th-7th floor tak hi pahunch pa raha hai. 🚒🔥

Location: Ivy County, Sector 75, Noida

[Ahmed Sheikh @ASheikh85961]

Waah mere kejriwal ke cockroach

[manoj dua @manojdua]

@bismil_prasad This will create job . Tourism

[Neel Chhabra @NeelChhabra]

"If our portfolio looks good to you, we aren't doing a very good job." — John Neff, on value investing. Authentic contrarian positioning is uncomfortable to defend, visible to the casual observer, and specific about why the market is wrong.