5 · CRED Overlap
Where is CRED strong, and whose app is the customer living in instead?
The weakest numbers on the dashboard. Directional until CRED cohort totals replace the survey.
Venn
Bank app · UPI super-app · CRED
Bank app reach
36.4M
UPI app reach
24.7M
CRED reach
11.0M
NPCI, May 2026
UPI app share — the attention competitors
PhonePe46.3%
Google Pay32.8%
Paytm7.9%
Navi3.6%
super.money1.8%
CRED0.7%
Others6.9%
Heatmap