CRED Money Says 42% Of Its Users Earn Dividends
The median user is taking a more hands-on approach to building wealth, with 71% actively investing, a median of 28 times a year, CRED Money said in its report.

CRED Money, in a report released on Tuesday, said at least 42% of its users receive dividend payments 10 times yearly. This indicates a "mature approach to passive income generation", the fintech platform said.
The users saw 116 incoming peer-to-peer transactions worth Rs 7.82 lakh annually balanced against 318 outgoing transfers amounting to Rs 6.93 lakh, it said, adding that this marks a radical shift from traditional salary-based incoming payment patterns.
The report pointed out that there has been a widespread adoption of digital personal finance management products over the past 12 months, as affluent Indians move beyond traditional salary-spending cycles to more complex financial activities.
Complex financial activities include diversified income sources, increased bank account activity, active wealth creation, and complex payment patterns, it said.
The median user is taking a more hands-on approach to building wealth, with "71% actively investing, a median of 28 times a year", the report said.
"The introduction of personal finance management on the account aggregator framework has enabled users for the first time to get insights into the velocity and frequency of transactions across multiple bank accounts, through tools like CRED Money, used by over 10 lakh affluent Indians," it said.
The report noted that the high velocity of transactions from bank accounts is accelerated by the adoption of digital payment systems like unified payments interface. "Affluent Indians are also among the strongest adopters of multiple payment methods, as indicated by the high volume and value of UPI transactions made by credit card users," it said.
It noted that personal finance management tools helps the user to consolidate fragmented finances with nearly 7 in 10 affluent Indians juggling multiple bank accounts, wallets, and UPI IDs. The tools also help to simplify recurring payments, as a median user manages 27 bills per year, the report said.
CRED Money's median user has 33 shopping debits, 16 health and wellness debits, 38 food and drink debits, and 25 transportation debits a year from their bank accounts. "With intelligent and automated categorization of spends and incoming payments across categories, users are able to ensure consistency and visibility into their lifestyle," it said.
The tools also offer real-time visibility of dividends, refunds, and other credits across accounts enables precise timing of investments and strategic cash flow management.