Woke up to Sachin, grew up with Dhoni.
Sachin’s elegance. MSD’s ice veins.
Mobile tech fuels me more than coffee.
Tax-paying minority. And yes, I vote too.
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.
Why does the Delhi Police need Aadhaar cards from people who want to join a protest?
Since when did an Aadhaar card become mandatory to participate in a protest?
Do they also ask for Aadhaar cards at BJP’s political rallies?
Police is using Aadhaar card as an excuse to turn people away from Jantar Mantar.
Delhi police is asking for aadhar card details and address of people who are donating water and bananas at the protest site
What has Delhi police been reduced to by this Govt!?
THIS IS HOW YOU EXPOSE SELECTIVE MORALITY 🔥
REPORTER: Police say you are not even listening to the Supreme Court. How long will this protest continue?
ABHIJEET 🎯: Protest after 5 PM is wrong? But staying on the chair after 12 student suicides is right?
REPORTER: NEET exam is also tomorrow. What would you tell the students?
ABHIJEET 🔥: Go give your exam. Don’t take tension. Your brothers and sisters are here fighting for your rights.