In a light-hearted twist that’s taken the fintech world by storm, Zerodha co-founder and billionaire Nithin Kamath revealed that his credit score of 747 falls just short of the 750-point threshold required to join CRED, the elite credit rewards platform founded by Kunal Shah.
Kamath shared a screenshot of his score on X (formerly Twitter), joking,
“I did a credit check on @zerodhacapital to check out the flow, and my score is 747. So I am not good enough for CRED.”
📉 Just Three Points Short
CRED, known for rewarding India’s most creditworthy users, requires a minimum credit score of 750. Kamath’s score, while categorized as “Good,” didn’t make the cut—prompting a wave of witty reactions online.
📞 Kunal Shah Responds with Humor
CRED founder Kunal Shah quickly chimed in with a mock customer support tone:
“I’ll call you and help you fix it. Glad you’re caring about scores and increasing awareness. More people need to do this :)”
The exchange triggered a flurry of memes, jokes, and even friendly competition, with users posting their own credit scores and quipping, “I beat you, Nithin!”
💬 A Deeper Conversation on Credit Literacy
Beyond the humor, the viral moment sparked a broader conversation about credit score awareness in India. Many users pointed out that high-net-worth individuals like Kamath often avoid personal credit, which can ironically result in lower scores due to limited credit history.
Others criticized the rigidity of credit scoring systems, calling for more transparency and flexibility in how financial behavior is assessed.
Stay tuned for more fintech fun and financial literacy insights.
