cred
8 ARTICLES
CRED is facing a catch-22 situation
The Kunal Shah-helmed fintech needs both growth and profitability to raise capital. But the two goals are contradictory and CRED will soon have to decide between raising at a reduced valuation or delaying the fundraise.
06 Mar 2025
Is CRED’s $6.4 billion valuation at risk?
The Kunal Shah-helmed fintech faces a make-or-break year to get to profitability, or resort to a fundraise fraught with risk.
07 Apr 2024
CRED’s euphoria era is over
Kunal Shah’s fintech startup is finally getting serious about business—but can it grow revenue and pull off a mix of products in time to break even in the next nine months?
12 Jul 2023
A credit card bubble is brewing but no one wants to talk about it
The government wants to tax credit card transactions abroad but is missing a potentially bigger misuse of the instrument at home—fake rent payments.
23 May 2023
Why peer-to-peer lending needs scrutiny
Quick to tie up with fintech startups, India’s P2P lending platforms have done little to address the lack of transparency about borrowers and links with dubious loan apps.
20 Sept 2022
CRED’s plan to acquire Smallcase falls through
The fintech startup switched to a lowball offer amid a downturn in investor sentiment and questions over Smallcase’s business model.
16 Aug 2022
CRED is raising its third round this year
The company appears poised to become the second-most valuable fintech startup in India after Paytm.
12 Aug 2021
CRED focuses on revenue with lending play, plans unicorn round
The hotly debated fintech startup is focusing on monetization, with a rapidly growing loan book, but challenges old and new loom on the horizon.
08 Mar 2021