The affluent can now track and grow their true net worth on CRED

• MFs, stocks, NPS, bank balances in one real-time view
• Enable long-term compounding with instant access to FDs and gold

CRED has launched a new vantage point for the affluent to monitor and preserve their diverse portfolio of assets, where every asset, risk, and opportunity comes into a single view to preserve and compound.

For CRED members, growing affluence results in portfolio sprawl: investments made over time across asset classes are fragmented, siloed, and difficult to track, manage, or optimize. The complexity is similar to professional funds and family offices, without equally sophisticated frameworks to manage them.

The new feature - an extension of CRED Money that over 18 lakh members use to manage multiple bank accounts - brings assets together in one trusted system of control. It enables members to see, protect, and act on their true net worth without resorting to guesswork or intuition. 

• Eliminate blind spots: Members can account for every holding in their portfolio with mutual funds, stocks, NPS, fixed deposits, digital gold, and bank balances consolidated into one dashboard.
• Catch risks and opportunities on time: Real-time performance and value updates across asset classes, enabling members to separate signal from noise.
• Take disciplined action: Net worth monitor is built for clarity, not clickbait. No gamified nudges or urgency to transact. By separating visibility from irreversible actions, it is intentionally designed to enable members to think before acting.

All CRED members can now activate this in under three minutes, in an automated, secure flow.

When assets are consolidated and the true picture of their net worth emerges, members often realize that they have higher investable surplus than they imagined. In one year of using CRED Money for visibility across bank accounts, onboarded members invested 6%–14% more. With asset monitoring as the foundation, affluent members can systematically grow their wealth with fixed deposits and digital gold too.

Protect value through fixed deposits: Members can create a basket of FDs instantly on CRED, by investing up to ₹20 lakh each across RBI-regulated financial institutions, starting with five banks and two NBFCs. They can compare returns, liquidity options and benefits of multiple credible FD providers in one place, beyond existing bank relationships. This enables them to create an FD portfolio that works for diverse needs without paperwork or visiting multiple branches, and manage them all directly on CRED.

Buy, sell, redeem 24k gold in app: Members can buy up to 30 grams of 24k certified pure gold at live market rates, and track its value in  real time on CRED. Gold is stored in secure vaults with a trusted custodian through Safegold, insured. Members can realize the value of their gold in multiple ways: as gold coins delivered securely to their doorstep in 48 hours, or as heirloom jewellery at any Tanishq or Caratlane outlet. They can also sell in-app for instant credit at live market value. CRED and Safegold will not apply making charges or delivery fees on gold above two grams.

Kunal Shah, founder, CRED, said: “For CRED members, the portfolio sprawl from growing affluence often results in decisions made on guesswork rather than evidence. With asset monitoring, fixed deposits, and gold, members can see their true position, protect it, and make thoughtful choices for the long term.”