Saurabh Pandey

[Saurabh Pandey @saurabheloelo]

Big day 🔥

🚀 Introducing Dolphin AI - an agentic AI studio for complete video production.

The story of Dolphin is very interesting.

It didn’t start as a product. It started as an internal tool.

We started with one question:
Why does AI video still struggle the moment you ask it to remember what happened before?

The real problem was CONTEXT.

Characters change. Faces drift. Locations and props lose consistency.

So we started building video differently, around three ideas: better context, multi-shot generation and stitched workflows.

Before opening Dolphin AI to the world, 45k+ videos were created through it in our test phase

And we saw the impact firsthand:

→ Better CTR and CTI on ad creatives
→ Higher engagement and retention across micro-drama and micro-learning
→ Faster creative experimentation and iteration

We started operating at a very different scale:

Story TV : : 5,000+ dramas. From 100 dramas a month to 250+ now.

Master: 20,000+ micro learning series.

Ad creatives: From 15K to 100K+ every month.

That gave us conviction that the answer isn’t another model. It’s a better creative system.

For someone starting out, Dolphin has 120+ templates for UGC, social and other use cases.

For creative professionals, our Playground feature brings models, generation and editing into one workspace.

And for longer-form storytelling, World Lock carries characters, voices, wardrobes, props, locations and the visual world across shots.

The system remembers, so the creator can focus on creating.

But our ambition with Dolphin is much bigger than the product...

India is already one of the world’s largest consumers of content.

We believe AI can help us become one of its largest creators and exporters 🇮🇳

We have the storytellers. We have the ideas. AI can give that creativity production scale.

@trydolphinai is our bet on that future 🇮🇳🐬

We are live today at trydolphin(dot)ai for early access

Join the waitlist or DM me for an invite code.

Back to shipping 🚀

[Saurabh Pandey @saurabheloelo]

Our biggest launch - 29th Sep, 2pm!

Stay tuned 🐳

[Saurabh Pandey @saurabheloelo]

Every generation has reinvented how stories are told.

Cinema took stories to the big screen.
OTT brought them on-demand.
Micro-dramas are making them faster & mobile-first.

And now, AI is about to change storytelling all over again.

Not just how we watch stories — but how we imagine, create and scale them.

While building @eloeloapp & @story_tv_asia we have been seeing this first hand.

I’ll be delivering a keynote at @FICCI @FICCIFRAMES 2026
on this intersection of storytelling × AI × scale — and why I believe the next decade of entertainment will look fundamentally different from the last.

And we won’t just be talking about the future.

We’ll be unveiling one of the biggest things we’ve ever built at EloElo Group.

Can’t wait to finally show it to the world.

#FICCIFrames2026

[Saurabh Pandey @saurabheloelo]

@vivekraju93 @UddhavParab263 @vivekraju93 : Checkout some of our recent stuff on Story TV :)

[Mr Sinha @Mrsinha]

Ok so I started The Bose Network on Story TV thinking I'd watch one episode. Finished with in an hour.

The man walks out of his own house with the British sitting outside it. Grows a beard, becomes somebody else, and just… leaves the country.

Very powerful story. How did nobody tell us this story before, properly. 🇮🇳

[Gabbar @GabbbarSingh]

Watching the Bose Files on Story TV. Neta ji won the Congress presidency fairly in 1939, beating Gandhi supported candidate yet he was pushed out within months. And since then we all know how Subhash Chandra Bose was sidelined in the mainstream independence struggle story. This series goes deeper into showing how the Nehru-Gandhi block actively kept him irrelevant. Watch!

[Saurabh Pandey @saurabheloelo]

Looks like we are trending 🚀

@story_tv_asia

[Saurabh Pandey @saurabheloelo]

Hope to see this happen at Indiranagar or HSR!

Happy to fund it if there's an Elo Expresso on the menu :)

[Vaibhav Domkundwar @vaibhavbetter]

Someone in BLR needs to copy this. More like all of these Indiranagar Cafes :)

[Saurabh Pandey @saurabheloelo]

2015 - I was thinking about starting up. Cold DMed idea to @kunalb11 on FB Messenger.

His reply: "Bungee jump toh banta hai."

Took me till 2020 to do it. But the line always stuck.

Today he takes over WhatsApp. Massive moment!
Many congratulations @kunalb11

P.S. My 1st Tweet

[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.

[The Better India @thebetterindia]

With over 450 million Indians spending upwards of 4.5 hours on their phones every single day, the "scroll" has become our default state. But why settle for mindless browsing? Eloelo transforms your daily habit into an interactive experience.
We’ve brought the magic of live entertainment and local culture to your fingertips, making every swipe count. Experience the shift from passive viewer to active player today!

In partnership with @Kalaari

#BeyondTheScroll #QualityScreenTime #InteractiveEntertainment #kalaaricapital #BharatKaDigitalMunch

[David Senra @davidsenra]

“A maniacal sense of urgency is our operating principle.” — @elonmusk

“Elon hired a machinist, negotiated his salary, and had him start—all in one conversation. On a Saturday at 6 PM.”

“Most companies take two weeks to do what he does in an hour.”

[The Offline Network @OfflineOnAir]

𝗙𝗨𝗟𝗟 𝗜𝗡𝗧𝗘𝗥𝗩𝗜𝗘𝗪

Saurabh Pandey (@saurabheloelo), Founder & CEO of Eloelo Group (@story_tv_asia), discusses India's micro-drama boom, Bharat's mobile-first entertainment habits, AI-powered content, and the future of digital entertainment.

- 0:22 Why micro-dramas are replacing linear TV
- 8:14 Microtransactions, subscriptions & ads
- 9:43 Unit economics & the payback window
- 11:07 Shipping 500 minutes of content a day
- 13:07 How data builds a hit-making machine
- 19:54 Spending patterns of the next billion
- 21:58 China's $9B micro-drama market
- 25:52 Editorial philosophy

[The Offline Network @OfflineOnAir]

Joining us LIVE today:

- Saurabh Pandey (@saurabheloelo), Founder & CEO of Eloelo Group (@story_tv_asia)

- Kiran Gopinath (@KiranGopinath), Founder & Head of Sahamati Labs (@sahamati)

4 PM. Don't miss it.

[C21Media @C21Media]

India’s Applause Entertainment, Story TV look to make big splash with microdrama deal https://t.co/wBzVvhDWoe

[Manish Singh @refsrc]

Three short drama apps in India's Top 10 by downloads in Q1 2026

[Fortune India @FortuneIndia]

🚨 #FortuneIndiaStartupSummit2026 | "AI can assist, but it can’t yet deliver deep storytelling"

At the Fortune India Startup Summit, Eloelo founder Saurabh Pandey said AI is boosting output—not replacing creativity—as Story TV scaled from 20–30 to ~200 micro-dramas a month in a $700M market.

https://t.co/XjaGCfxU5T’s Haren Chelle added that startups should prioritise experimentation over model comparisons, with proprietary data and workflows emerging as the real edge.

Read the complete report here 👇
https://t.co/6LZ0ObzrQu

#FortuneIndiaStartupSummit #StartupEcosystem #Startups #FortuneIndia #ArtificialIntelligence #Technology

[Saurabh Pandey @saurabheloelo]

@FortuneIndia Look forward to it :)

[Saurabh Pandey @saurabheloelo]

@starboyyera 4+1+3+8 =16.

1+6 =7 🥲

Thala for a reason 🔥

[Saurabh Pandey @saurabheloelo]

@VaibhavSisinty Go @story_tv_asia 🔥

[Lumikai @Lumikai]

350M microdrama downloads in India last year, more than AI assistants and OTT apps.

StoryTV is leading the charge 🚀

With Yuzvendra Chahal × Shefali Bagga and Karan Mehra stepping into short drama - this is culture in motion.

Fabulous start to 2026 👏 #1MinKaBreakStoryTVDekh