Sriganesh TV

Co-Founder at Supernan. Childcare-as-a-subscription. We're available in Bangalore.

[Sriganesh TV @srigTV]

Probably the next attempt at making WhatsApp the WeChat for India. Push WhatsApp Flows and payments.

[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.

[Sriganesh TV @srigTV]

@shobhitic Not useful for most child related use cases in my experience. It’s slow to update, doesn’t ring when you need it to and isn’t loud enough even when it rings.

This watch works much better for every use case https://t.co/bME2pkjS05

[Sriganesh TV @srigTV]

@Nithin0dha AI Inbox zero is cool and all but that prompt injection is gonna hit real bad.

[Sriganesh TV @srigTV]

Now you know who the “hard side” of the marketplace is. It’s easy to get consumers, and with no real alternative, buyers now have to jump through hoops for returns. Managing delivery at that scale is super tough, so while it may seem easy for delivery folks to game the system, there’s a real business reason behind it.

[Rony Dasgupta @TheRawKnee]

I usually don’t rant about these but just want to let @amazonIN know what a loophole their delivery partners have found to not deliver a package if they don’t want to.

Here’s how they do it…

[Sriganesh TV @srigTV]

@hugomercierooo Twin

[Sriganesh TV @srigTV]

@kingofknowwhere What does it do?

[Sriganesh TV @srigTV]

Kids.. don’t try this at home. Tea Tree oil is toxic.

[Massimo @Rainmaker1973]

Youtuber Labcoatz perfectly replicated Coca Cola two days ago using organic chemistry analysis and a year of research.

Coke never patented the formula (because it would involve sharing the secrets), so apparently it's perfectly ok to create or even sell this formula.

[Stu Smith @thestustustudio]

How is @ZackSnyder’s 300 still basically the only film in this era that feels genuinely mythic? Even in this scene, with saturated hues and heavy metal guitar, you can feel the larger-than-life logic of Greek legends.

Nolan’s Odyssey just looks grimdark and technically cold.

[Sriganesh TV @srigTV]

@anothercohen Just the 47th largest city in India

[Sriganesh TV @srigTV]

Who doesn’t love a bit of indirect feedback

[Sriganesh TV @srigTV]

@wanderingraptor @GoAthlos What’s the lore behind the white? 🤓

[Sriganesh TV @srigTV]

@khushal_davesar Link!

[Sriganesh TV @srigTV]

Cancelling our enterprise plan, hello Claude pro

[Sriganesh TV @srigTV]

@vinodchendhil Someone please build something to solve for OTPs - please god 😂

[Sriganesh TV @srigTV]

Nano Banana launch ended up nerfing Gemini? Was a joy till now but the thinking has degraded.

[Sriganesh TV @srigTV]

Bangalore traffic and all is fine but have you ever won two state government grants as a 100% bootstrapped startup.

Grateful to the @ITBTGoK for the Elevate 2025 grant.

[Sriganesh TV @srigTV]

@aviralbhat If anyone does this well or even has an MVP, please do get in touch. We hire in the hundreds and it's something we really need.

[Sriganesh TV @srigTV]

Someone asked me this once and I deduced it wrong. (Ended up saying 8-10 per quarter instead of year). But that aside.. it is beautiful.

[Mindset for Money @Mindset4Money_X]

Hang it in the Louvre.

$UBER

[Gergely Orosz @GergelyOrosz]

Cannot believe that OpenAI is valued ~the same (at $300B) as Coca Cola ($303B)

Just reflecting on the capital and time it required to physically get Coke brands to every corner of the world, much of the world consuming it daily

And how quick OpenAI did the same, but digitally

[Sriganesh TV @srigTV]

@refsrc A simple search shows this is completely wrong. We have *giant* FMCG brands and the scale of transactions is dizzying.

What we don’t (yet) have is *value* per transaction.

Source: I have managed 2 of the Billion dollar brands not on the list.