Every great mission begins with a challenge. Piyush Nagar, founder of Credit Samadhaan, turned his personal struggles into a movement to give millions of Indians access to credit, regardless of their past financial setbacks.
From Childhood Hardship to Entrepreneurial Vision
At the age of eight, Piyush lost his father and had to shoulder responsibilities far beyond his years. Selling ice candies and later working commission-based jobs to fund his education, he developed resilience, grit, and determination.
He became an engineer and in 2009 founded Sixth Sense IT Solutions, a global IT company serving 4,000+ clients, including corporates, MNCs, and government organizations. Yet, his most transformative journey was still ahead.
The Discovery That Sparked Change
While working with a rural fintech startup, Piyush uncovered a startling truth:
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Out of 1 lakh loan applications, nearly 99,300 were rejected
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Over 70% of rejections were due to poor credit scores
Millions of hardworking Indians — farmers, entrepreneurs, and homebuyers — were losing opportunities not because of ambition, but because of a number on a credit report.
Determined to solve this, Piyush spent 1.5 years researching solutions, ultimately creating Credit Samadhaan, India’s first AI-powered Credit Score Rectification & Repair platform.
AI Meets Human Empathy
Credit Samadhaan repairs credit scores across CIBIL, Experian, Equifax, and CRIF in as little as 45 days, combining AI technology with personal guidance.
To reach every corner of India, Piyush launched Credit Samadhaan Kendras in 18 states, providing solutions while generating local employment opportunities, blending innovation with social impact.
Tackling India’s Credit Crisis
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40% of home loan borrowers pay extra interest
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80% of Kisan Credit Card applications are rejected
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36% of small businesses are denied capital
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31% of auto loans are rejected
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Real estate loses $2.65B annually
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Nearly 28 lakh CIBIL complaints filed in FY 2023–24
Credit Samadhaan is bridging this gap, restoring financial stability and dignity.
Recognition and Growth
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Supported by IIM Ahmedabad, IIM Bangalore, and STPI
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Winner – Octane 5.0 (STPI), 2024
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Winner – Bharat Pitchathon 3.0, 2024
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Ranked among Top 100 Startups by TGS (2024)
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Ranked among Top 100 Startups by TiECon Vadodara (2025)
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Ranked among Top 50 Startups by Tata Social Enterprise Challenge (2025)
With 464 partners and 1,000+ clients, Credit Samadhaan is growing into a nationwide movement.
A Mission Beyond Business
For Piyush, Credit Samadhaan is personal. Having faced financial struggles himself, he aims to reduce stress, restore dignity, and prevent credit-related hardships.
By combining AI innovation with human empathy, Credit Samadhaan is not just repairing credit scores — it is transforming lives.
The Road Ahead
With support from IPV and national institutions, Credit Samadhaan is scaling across India, ensuring that no dream is denied because of a poor credit score.
👉 From selling ice candies to leading an AI-driven financial revolution, Piyush Nagar proves that vision, perseverance, and technology can empower millions.
