Kunal Shah was born on 20 May 1983 in Mumbai

He did Bachelor of Arts (B.A.)  from Wilson College, Mumbai

He started working as a Data Entry Operator and since then, he became financially independent. 

In 2000, Kunal joined a startup as a programmer. Unfortunately startup failed

In 2009, Kunal started the PaisaBack website 

On 15 August 2010, Kunal along with Sandeep Tandon founded Freecharge 

April 2018, he founded CRED, a fintech company.