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Author name: Jaspreet Singh Arora

Jaspreet Singh Arora is the Chief Investment Officer at Equentis, where he heads a seasoned team of equity analysts and turns two decades of market experience into portfolios that consistently beat the benchmark. A go-to voice on cement, building-materials, real-estate, and construction stocks, Jaspreet previously ran research desks at leading brokerages, honing an eye for the metrics that truly move share prices. His plain-spoken analysis helps investors cut through noise and act with conviction. When he’s not deep-diving into earnings calls, you’ll find him unwinding over sports, weekend cricket or a good history podcast.

CRED’s 8 Year Growth Journey: How It Built a ₹2,735 Crore Fintech Business in India
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CRED’s 8 Year Growth Journey: How It Built a ₹2,735 Crore Fintech Business in India

/ July 17, 2026

When CRED launched in 2018, many questioned whether rewarding people for paying their credit card bills on time could ever become a viable business. The idea seemed too niche in a market focused on mass adoption. However, founder Kunal Shah identified a different opportunity: India’s most creditworthy consumers lacked a financial platform built specifically for them. Eight years later, CRED has transformed into one of India’s leading fintech brands, offering payments, lending, insurance, wealth, and lifestyle services. Today, the platform engages nearly 1.7 crore members every month, processes over 40% of India’s credit card bill payments, and has become a benchmark for premium consumer experiences in fintech.