Sidd

Cosmos writes everything.

[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.

[Nishanth Reddy @ai_nishanth]

Show me one politician from Telangana who has done this for Public Transit? Metro LRT?

Can Hyderabad ever have a minister like KA/ BLR?

We are 25+ years behind.

[Sharan Setty @sharansetty2]

@TVMohandasPai's 100-Day Action Plan For DK Shivakumar

[Voice of Mysuru @voiceofmysuru]

If this man cannot change the face and perception of Bengaluru in the minds of general public, then it’s a gone case for Karnataka.

@krishnabgowda avare, we have high hopes on you! Please don’t disappoint lakhs of your supporters!

#BrandBengaluru

[Aniketh Desai @_a1n9i1k0e0t5h_]

Pillar Number 561 on the Blue Line Metro right before KR Pura Metro Station has suffered some damage. Not sure when but noticed it today. Please look into this urgently @OfficialBMRCL
@ChristinMP_ @ever_pessimist @blrmetrotracker @srivasrbmrccoi1

[Soham | Strong Opinions @__my__opinions]

The peak SBI experience just got a legendary plot twist. 🫠

Forgot my SBI NetBanking password and walked into a non-home branch, fully prepared for the ultimate boss fight. Usually, if it’s not your home branch, you get the classic "counter number 3 pe jao" or "visit your home branch" treatment.

But today? The executive didn't follow the ancient SBI legacy.
Instead, he immediately fired an email to my home branch, handed me the direct number of the approval officer there, and told me to give them a buzz. One quick call later, the officer approved it, and my password was reset instantly.
No drama. No "lunch break" excuses. Just pure efficiency.

Am I dreaming, or is SBI secretly entering the 21st century? absolute cinema. 🎬😂

Nice job @TheOfficialSBI

[Shivangi Choudhary @TweetShivangiii]

🚨 Father-in-law every girl deserves.

Sachin Tendulkar quietly stood beside his daughter-in-law, making sure she never felt left out. ❤️

[Deepika Narayan Bhardwaj @DeepikaBhardwaj]

ATUL SUBHASH

He said his ashes must be put in the gutter if he isn't given Justice

1 Hour suicide video. 24 page suicide note. Letter to PM President HM all. Neatly kept in a google drive thinking he would get justice

His wife got out on bail in 20 days

His Mother-in-law - who laughed and said - oh you haven't killed yourself yet - also got bail within 20 days

His wife's uncle who demanded huge amounts to settle the case was never arrested

His son, who his wife had kept in boarding at such a young age became the reason for bail so soon, his parents haven't even seen a glimpse of him since then

Judge Rita Kaushik - first name in his suicide note never faced ANY ENQUIRY WHATSOEVER & later got promoted as well. Supreme Court never took cognizance even to investigate corruption despite a dying declaration

Nikita Singhania's right to livelihood was never taken away. Not for a day

First date given in trial of his case by the court was ONE YEAR AFTER THE FIRST HEARING

His wife has moved High Court to quash the case

I will not be surprised if it is even quashed because - There's no concept in India to criminalize mental cruelty by wife

Our system questions men who take their own life calling them weak, sensitive and overreacting

Compare it all to what we are seeing in media for last one week

I am sure Justice will be done to Twisha. I can not even hope if Justice would ever be done to Atul.

EQUALITY 🙏

[Shreepoorna S Rao @shreepoorna365]

Incompetent idiots at @blrcitytraffic
I stop because the traffic light was red and I get fined 1000 rupees. (There is literally no zebra crossing)

I LITERALLY AM FINED FOR FOLLOWING TRAFFIC RULES.

@CPBIr @DCPTrEastBCP @indiranagaraps @Jointcptraffic

[Gaurav @Melbourne__82]

Krunal was playing an all timer knock on literally one leg.

Listen to Aakash Chopra’s commentary.....instead of applauding Krunal’s shot, he says ‘Aage nahi, short daalo.’ These commentators don’t even try to hide their bias against RCB.

[Deepak Bopanna @dpkBopanna]

"Let him die of cramps on the ground" says former cricketer S Badrinath while doing Tamil commentary during the RCB MI game. How is this being tolerated, how's this funny? https://t.co/qy8X7jXd73

[` @worshipVK]

This is Subramaniam Badrinath
- He's an ex csk player
- Hates rcb and Kohli to the core

Today when Krunal was struggling with pain, he said "just let him die there" in tamil commentary. Later on he covered up that statement by saying he was just joking as he wants rcb to lose.

Is this guy really normal? Star Sports should kick him out of commentary and no ex-cricketer should ever associate with him again 🙏

[Harish Upadhya @harishupadhya]

Not snow it's hailstorm in Bengaluru!

Areas around Vidhana Soudha hit by intense hail, Kanteerava Stadium filled with heaps of hailstones. Rare visuals for the city.#BengaluruRains

[Ravi Prakash Official @raviprakash_rtv]

Today I am posting four videos of a brave, courageous, common Indian woman who has gone viral across India.
Why?
Because she did what most of us feel… but rarely say.
A political rally blocked the roads for hours. Commuters were stuck. Chaos everywhere. And this woman? She just wanted to pick up her child from school.
But when patience ran out, she stepped forward.
She questioned the system. She questioned politicians. She questioned the police.
And she asked the most powerful question:

“Who are you to block these roads? Just get out and clear them.”

No slogans. No politics. Just a citizen demanding accountability. We need this courage.We need more voices like hers.Because democracy doesn’t just survive on votes , it survives on citizens who dare to ask questions.

@girishdmahajan @MumbaiPolice @CPMumbaiPolice @Dev_Fadnavis @CMOMaharashtra @BJP4Maharashtra

[Sann @san_x_m]

Her name is Nikita Singhania.

She is currently working as an AI and Machine Learning Specialist at Accenture.

Her husband Atul Subhash died on December 9 2024. He left a 24 page note and an 81 minute video. He named her. He named her mother. He named her brother. He documented 9 cases, 120 court hearings, 4 years of his life destroyed.

She was arrested. She got bail.

She went back to work.

Today she sits in an Accenture office running AI models while Atul’s parents in Bihar have not seen their grandson in years.

While Atul’s brother Bikas goes to court alone every single time.

While Atul’s ashes wait for justice.

Accenture knows who she is. They have not acted.

India forgot. Accenture forgot.

That is how this system works.

We have not forgotten.

[Revathi @revathitweets]

Additionally, the first accused (A1) has been ordered by the honourable court to pay a compensation of Rs 24 Lakh. A2 will have to pay Rs 16.30 Lakh. A total compensation of Rs 1.40 crore will have to be paid to the mother of Bennix.

If the accused fail to pay the compensation, their properties will be sold and the amount will be given to the victim’s family

I know the compensation doesn’t even cover the tragedy the family suffered…but this can set a precedence in many ways.

I saw in the comments most aren’t very hopeful. Yes, these people can go till the Supreme Court for appealing against the Capital punishment. But at least, the verdict has been pronounced. I don’t think any judge will reverse the decision. 🤞🏼

They won’t be eligible for bails during sentence unless during extreme situations like deaths or weddings in the families of the perpetrators.

Also! This is a landmark judgment in many ways, never did any court awarded a capital punishment for 9 policemen in a single case. The punishment that was awarded, the compensation- everything will become an important benchmark for future cases.

If you have heard the family of the victims, their fight was also for the same reasons - Jeyraj and Bennix won’t come back even if these 9 police men are hung…but may be this judgement will instil fear in such arrogant policemen. Even if one life is saved in future, it will be a huge victory.

[Naveen Kopparam @naveenkopparam]

It’s high time Government implements strict guidelines to private companies, they must pay Severance from 3 months to 1 year based on employee’s tenure.

Such laws already exist in Europe, they need to do it here too otherwise stop deducting income tax.

[Narendra Modi @narendramodi]

On the occasion of his Jayanti, paying tributes to His Holiness Dr. Sree Sree Sree Sivakumara Swamigalu. He stands in collective memory as an embodiment of compassion, humility and unwavering service to humanity. Through a lifetime dedicated to uplifting others, he demonstrated that true greatness lies in serving others. His remarkable contributions across education, social welfare and spirituality have left an enduring imprint on society. Even today, his life continues to guide and inspire countless individuals to walk the path of selflessness and service.

[Mohandas Pai @TVMohandasPai]

Big big shame for Karnataka. Our MLA’s should have more regards for their reputation.