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Kunal Shah

Founder, Cred

Search every verified Kunal Shah interview, podcast appearance, and on-the-record quote — each transcript cross-checked by AI and human review to confirm speaker identity. Kunal Shah, the founder of CRED, has recently spoken on multiple podcasts and at the 2026 Groww India Investor Festival about wealth, failure, and the impact of AI on jobs. During a June 2026 podcast, Shah argued that "most people remain poor" because they are not making themselves irreplaceable or creating something valuable, and he stated that failure is seen as shameful in India due to upbringing rooted in fear. At the investor festival in May 2026, Shah said that "the largest employer of the world is inefficiency" and that AI is displacing those jobs, but he disputed the idea that unequal access to technology is a problem, stating that India has high smartphone penetration and cheap data. He also said the word "outsource" will be replaced by "agents," "AI," and "robots," and that people will keep the best work for themselves. In various appearances, Shah has shared opinions on success and ambition, saying that "successful people don't gossip" and are "extraordinary at keeping secrets." He stated that "wealth happens" when people take something others are motivated by and make it easy, and that "wealth gets destroyed" by making easy things nobody cares about. Shah also said that most ambitious people never call themselves ambitious, that driven people do not need motivational speakers, and that people who talk a lot about politics are usually "powerless in life."

Recent appearances

Verified interview transcripts

Notable quotes

“The word outsource will get replaced to agents. Outsource will get replaced to AI. Outsource will get replaced to robots and so on and so forth. And people will keep doing the best stuff themselves. Now the question is that have we built resilient industries and capabilities that can survive.”

“The largest employer of the world is actually inefficiency. And what is happening is that at the pace inefficiency is going away, the current jobs are getting displaced or changed materially. The thing we have to worry about is per capita income not growing, because there are enough people in India who are still doing lift man job and ATM guard job and they all have jobs. The thing is that the income delta between pe”

“In 5 to 10 years from now, every asset of this country should ideally be either get tokenized, and I think there is a vision from the government to tokenize many of these assets. And it allows customers to borrow at a significantly lower interest rates in let's say unsecured. We do believe that a customer who has access to secured assets should probably find a way to borrow at a lower interest rate than higher intere”

“You need to ask this question: will they pay lakhs of rupees for this? Will they pay 10,000 rupees? Will they pay 1 rupee? Will they pay 5 rupees? Will they want it free only? Will they give me time for it?”

“One of the principles we follow at CRED is never launch a product or a service that we would not proudly offer to our friends and family.”

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