Sumit.poddar

DU Grad

[Sumit.poddar @sumitfy]

Most people use X to consume. I’m here to curate.
My goal for 2026: Break down global trends, Indian market shifts, and the tech that actually matters—so you stay ahead of the curve. 📈
A quick thread on what to expect from @sumitfy in 2026: 🧵

[Sumit.poddar @sumitfy]

I will come back next year to this same post again on same date same time.

Till then goodbye.

[The Rare Man @TheRareMan_]

I come back to this video when life doesn't go as planned...

[Sumit.poddar @sumitfy]

Wishing everyone a blessed and spiritually awakening start to the holy month of Shravan! 🙏✨
May the supreme grace of Lord Bholenath shower our homes with deep peace, prosperity, and excellent health. Praying for a season of pure devotion and harmony for us all.
।।हर-हर महादेव।।

[Sumit.poddar @sumitfy]

This bill is a massive relief! Pouring endless hours into essays, ethics, and CSAT prep only matters if the system is fair. Strict laws against paper leaks finally give our hard work the respect and security it deserves. 👏🇮🇳 #FairExams #NewIndia

[Amit Shah @AmitShah]

Congratulations to every student in India on the passage of the Public Examinations (Prevention of Unfair Means) Amendment Bill, 2026 in Lok Sabha today.

The bill shields the dreams and aspirations of our youth by laying down iron-clad provisions imposing the harshest punishment on those who dare to breach the sanctity of public examinations.

The Modi govt will spare no one who attempts to imperil the future of our students and will leave no stone unturned to ensure that they face the full wrath of the law.

[Sumit.poddar @sumitfy]

Sad! White people will become brown like indian.

[The Jaipur Dialogues @JaipurDialogues]

Its 45 Degrees in Jaipur and people know how to cope with it

Enki 41 mein hi phat li 😂

[Sumit.poddar @sumitfy]

You should have asked while price was increasing.

[Pawan Khera 🇮🇳 ಪವನ್ ಖೇರಾ @Pawankhera]

How long will the public have to wait for the government to reverse the latest fuel price hike?

[Sumit.poddar @sumitfy]

America will never let india become superpower.
At any cost

Be dependent and below America.

[Megh Updates 🚨™ @MeghUpdates]

🚨 BIG BREAKING

DRDO is evaluating French & British engines for the AMCA Mk2 amid concerns over US-made GE F414 engine costs, delivery delays & technology transfer issues.

— Early AMCA prototypes will still use the GE F414, while India pursues an indigenous 110-130kN engine.

[Sumit.poddar @sumitfy]

Look at use of AI at punctured vikramshila bridge in bhagalpur
Or is it real ?? 🤔
@khurpenchh @YTKDIndia @BhagalpurSpeaks

[Sumit.poddar @sumitfy]

Congratulations 🎉

[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.

[Sumit.poddar @sumitfy]

Belated happy father's day 💐

[Prof. Shamika Ravi @ShamikaRavi]

Prof Aswath Damodaran on AI bubble and why the correction would be unlike anything before.

[Sumit.poddar @sumitfy]

Great one more war settled
How many in total?

[The White House @WhiteHouse]

🚨 President Donald J. Trump has SIGNED the Iran Memorandum of Understanding at Versailles in France. 🇺🇸

[Sumit.poddar @sumitfy]

But the concern is our seafarers
And American policy towards india
The absurd humiliation can't be tolerated any more.

[Smita Prakash @smitaprakash]

He almost asked the PM, aapki twachcha ka raaz?

[Sumit.poddar @sumitfy]

Pradhan mantri barish yojna.

[Nikita Dutta @nikifyinglife]

Do we have a counter plan for the 64 percent rain deficit or we just wait and see how worse can it get .

[Sumit.poddar @sumitfy]

India is being used
No has power to counter china.

[Aditya Raj Kaul @AdityaRajKaul]

US, India Join Hands To Counter China’s Supply Chain Dominance https://t.co/TqCTASUYzu

[Sumit.poddar @sumitfy]

We are not here to please anyone.

[Sidhant Sibal @sidhant]

"European sells weapons which are used to attack India, for many many years. We Indians have never done anything to endanger Europe", EAM Jaishankar says when asked about India's stance on Russia Ukraine conflict

[Sumit.poddar @sumitfy]

During exam hours those who could afford tickets were travelling in general

Due to unavailability of tickets and urgency
It's like the worst nightmare
@BhagalpurSpeaks
@samrat4bjp @AshwiniVaishnaw

[Sumit.poddar @sumitfy]

Rising synthetic drug & opioid abuse in Bihar demands urgent, structural intervention. While policies focus on supply blocks, what concrete steps are being taken for grassroots de-addiction & mapping forward-backward smuggling chains? @bihar_police @narcoticsbureau
@AmitShah

[Sumit.poddar @sumitfy]

Ooo exciting! 😃

[Sundar Pichai @sundarpichai]

On our way to I/O 2026. See you at 10am PT tomorrow!

[Sumit.poddar @sumitfy]

@RaviKumar117395 @BhagalpurSpeaks @hvgoenka That's true!

[Sumit.poddar @sumitfy]

With this image of India, what would you like to tell the world?

P.S -> Don’t know why, but it feels more like hatred towards India than genuine concern.
#Bharat

[Kiran Kumbhar @kikumbhar]

For more than 200 yrs, thousands of books & articles have been written about the history of the peopling of India, esp on the Harappan ppl & Aryan migrations. Here comes yet another super-long article.

But I hope this one finds a few readers. I wrote it.
https://t.co/xgzCWtWGPW