'Not good enough for CRED': Zerodha billionaire Nithin Kamath's credit score triggers viral banter, Kunal Shah chimes in
Who would have thought that one of
India's richest entrepreneurs
, with a net worth of $2.6 billion, would be 'not eligible' for an elite credit rewards platform? But that's exactly what happened when
Zerodha co-founder
Nithin Kamath revealed that his credit score—while good—wasn't good
enough
for CRED.
Kamath, in a tongue-in-cheek post on X (formerly Twitter), shared a screenshot of his 747 credit score while playfully tagging CRED and its founder Kunal Shah. '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,' Kamath wrote.
— Nithin0dha (@Nithin0dha)
According to CRED's standard, users generally need a credit score of 750 or above to qualify. Kamath's 'Good' score sat just a few points below the 'Excellent' threshold—ironically close, yet far enough to be excluded from a platform meant to reward the most credit-worthy.
The Kunal Shah Callback
Not one to miss a moment, CRED founder Kunal Shah swiftly replied with mock customer service flair: 'I'll call you and help you fix it. Glad you're caring about scores and increasing awareness. More people need to do this :)' Shah wrote, adding to the already buzzing conversation.
What followed was a mix of humor, surprise, and serious reflection across social media.
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— kunalb11 (@kunalb11)
Netizens Chime In: 'I Beat You, Nithin!'
Users wasted no time turning the revelation into a friendly competition. Several people posted screenshots of their own credit scores with captions like 'I beat you' and '747 is practically a jumbo score, Nithin—just needs a smoother landing on the CRED runway.'
Others, less forgiving, theorized why Kamath's number wasn't higher. 'Maybe you took a loan and missed a payment,' one user speculated, while another cheekily suggested he 'consult Instagram finance influencers.'
Some even criticized the rating system itself, calling CIBIL 'a total scam' and lamenting the difficulties of correcting even the smallest errors.
Credit Awareness in the Spotlight
While the exchange was humorous, the post did draw attention to a larger issue: credit score literacy in India. Kamath's casual reveal may have sparked jokes, but it also became a conversation starter about the importance of maintaining a good score—and the pitfalls of a system that often feels arbitrary.
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His post, intentionally or not, helped drive home the need for
financial education
, particularly around creditworthiness, digital lending, and consumer rights.
In a world where your financial reputation is often reduced to a three-digit number, even billionaires are at the mercy of the algorithm. As Kamath's post humorously proves, wealth might buy yachts—but not necessarily CRED points.
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