Samarth Gupta

Finance | Travel | Startups

[Samarth Gupta @sam__arthgupta]

@muskan9gupta Decrease in valuation propositional to the decrease in age

[Samarth Gupta @sam__arthgupta]

@Prerrrrna_ 🫡🫡🙌🏻

[Samarth Gupta @sam__arthgupta]

@AshishAhujaCIO This morning bud was watching Bhagvad Gita in english

[Samarth Gupta @sam__arthgupta]

You know you are in Blore when your cab vaale bhaiya is watching a podcast while driving.

[Samarth Gupta @sam__arthgupta]

Things delhi rains make you do

[Samarth Gupta @sam__arthgupta]

Afterlunch strolls

[Samarth Gupta @sam__arthgupta]

@chetanghodke_ All the best homeboy!

[Samarth Gupta @sam__arthgupta]

@Prerrrrna_ The irony being G.V Prasad Reddy shitting on AYUSH Doctors saying most of them just pass on the practice to their children, while he got Dr. Reddy’s from his father in law.

[Samarth Gupta @sam__arthgupta]

Was looking for my new protein powder when I came across this Only Whats Needed. Crazy transparency in the FAQs section.

Will surely give it a try when in stock.

@onlywhatsneeded

[Samarth Gupta @sam__arthgupta]

@RMantri @HDFC_Bank SBI does the same and if you don’t confirm on the call they block the card🙃

[Samarth Gupta @sam__arthgupta]

How cool would it be if you could add AI agents on Whatsapp single person group chats just like discord.
@AIatMeta @Meta

[Dan Go @CoachDanGo]

Most people buy a tracker and start obsessing over numbers.

That's not health optimization. That's data hoarding.

The best tracker is the one that you can wear that changes behavior. If it doesn't, put it in a drawer.

As for me, the test was great but I'm going back to using a dumbwatch. I know my trends and getting it daily is more noise than signal.

[Samarth Gupta @sam__arthgupta]

Not living upto your potential is equivalent to “Dimaag bohot hai bass Padhta nhi hai”

[Samarth Gupta @sam__arthgupta]

@kunalb11 what have you done to my feed …

[Samarth Gupta @sam__arthgupta]

The best Indian salesman.. Bhavish Aggarwal is a tough second tho

[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.

[Sarrah Bellus @sarrah_bellus]

The world’s first trillionaire… wearing a t-shirt back-to-front and a wig. What a specimen!

[Samarth Gupta @sam__arthgupta]

When in Goa have this cute drink good aftertaste.

[Samarth Gupta @sam__arthgupta]

Biggest fear while taking flights - you book the cab for the wrong terminal..

[Samarth Gupta @sam__arthgupta]

Delhi heat reminding me of this

[Samarth Gupta @sam__arthgupta]

@RahulMattihalli @NimishaChanda Trust me some of the best bets have also resulted from these bar discussions.