๐ Goldman Sachs Insights: CRED's Remarkable Growth Trajectory Key Highlights: โข Annualized Total Payment Value (TPV): $100 billion โข Personal Loan Book: $2.3 billion โข Annual Recurring Revenue (ARR): $340 million โข Consumer Average Revenue Per User (ARPU): Rs 2,100 (significantly above industry average) Performance Metrics: โข Monthly Active Users (MAU): 15 million โข Monthly Transacting Users (MTU): 12 million โข Market Share: Commanding 30% of personal loan disbursements in the industry Financial Outlook: CRED is positioned extremely close to achieving full profitability, showcasing its robust business model and strategic growth.โโโโโโโโโโโโโโโ
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