Sunil

A born techie in search of nirvana.
These are my opinions.

[Mumbai Rains @rushikesh_agre_]

This is exactly why you don't declare the monsoon weak based on one dry week.

72 hours ago: Concern.
Today: Mumbai is at the forefront of monsoon activity.

Never underestimate the South West Monsoon. The comeback has begun! ⛈️⚡

Long rainy spells ahead #MumbaiRains

[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.

[Ishan Tanna 🇮🇳 @IshanTanna1]

What has changed in India in last 12 years.....

[Hindutva Matrix @xBhairav]

@UnSubtleDesi At the precise moment Abhishek Banerjee was run out.

Get this guy into IPL already, what a throwing skill.

[Smita Prakash @smitaprakash]

Parle goes front page in thanking PM Modi for sharing the candy’s unique name. @GiorgiaMeloni @narendramodi

[Parle Products @ParleFamily]

Thank you @narendramodi 🙏🏻

[Shiv Aroor @ShivAroor]

Instagram is going to need an ambulance today.

[Narendra Modi @narendramodi]

Upon landing in Rome, had the opportunity to meet Prime Minister Meloni over dinner followed by a visit to the iconic Colosseum. We exchanged perspectives on a wide range of subjects. Looking forward to our talks today, where we will continue the conversation on how to boost the India-Italy friendship.

@GiorgiaMeloni

[Narendra Modi @narendramodi]

A joyous moment for every Indian!

Chola Copper Plates dating back to the 11th Century will be repatriated to India from the Netherlands. Took part in the ceremony for the same in the presence of Prime Minister Rob Jetten.

The Chola Copper Plates are a set of 21 large plates and 3 small plates and largely contain texts in Tamil, one of the most beautiful languages of the world. They relate to the great Rajendra Chola I formalising an oral commitment made by his father, King Rajaraja I. They also showcase the greatness of the Cholas. We in India are immensely proud of the Cholas, their culture and their maritime prowess.

I thank the Government of the Netherlands and Leiden University in particular, where the Copper Plates were kept since the mid-19th century.

@MinPres

[Abhijit Majumder @abhijitmajumder]

An emotional Shamik-da talks about the insane sacrifices of the BJP-RSS cadre which has led up to this spectacular victory.
Do watch.

[The Jaipur Dialogues @JaipurDialogues]

बीजेपी ने बंगाल में आपने कार्यकर्ताओ को श्रद्धांजली दी

[BALA @erbmjha]

NEW ERA BEGINS IN WEST BENGAL🚩

[Sunil @sunael]

aamii

[BJP West Bengal @BJP4Bengal]

Palteche Eibar, Elo BJP Sorkar!! 🪷

[Sai Deepak J @jsaideepak]

1. Just got off a call with @UnSubtleDesi. I couldn't be happier for her and both of us couldn't help but discuss the harrowing days of post poll violence in West Bengal in 2021. So I am going to share what happened five years ago just so ppl know what happened. #WestBengal2026.

[Smriti Z Irani @smritiirani]

Satyamev Jayate!

[OpIndia.com @OpIndia_com]

"Honsla. Eendhan. Badla."

West Bengal Election Results 2026

[BJP @BJP4India]

अंधेरा छटेगा,
सूरज निकलेगा,
कमल खिलेगा…🪷

#BJPSweepsBengal

[Sanjeev Sanyal @sanjeevsanyal]

Remember this man….