Some stories begin with struggle and end with transformation. Piyush Nagar, founder of Credit Samadhaan, turned his personal hardships into a mission: to ensure that millions of Indians are not denied financial opportunities because of a low credit score.
Early Struggles, Early Lessons
At eight, Piyush lost his father and had to shoulder responsibilities far beyond his years. To support his education, he sold ice candies and later took commission-based jobs while continuing his studies. These early challenges instilled in him resilience, determination, and a drive to succeed.
He went on to become an engineer and in 2009 founded Sixth Sense IT Solutions, a global IT company serving 4,000+ clients, including corporates, MNCs, and government organizations. But his most impactful journey was yet to begin.
The Moment That Sparked Change
While working with a rural fintech startup, Piyush discovered a shocking truth:
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Out of 1 lakh loan applications, nearly 99,300 were rejected
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Over 70% were denied due to poor credit scores
Millions of hardworking Indians were being denied opportunities, not because of lack of ambition, but because of a single number on a credit report.
Determined to make a difference, he spent 1.5 years researching solutions, which led to the creation of 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, often within 45 days, leveraging AI efficiency with personalized human guidance.
To reach deeper into communities, Piyush launched Credit Samadhaan Kendras across 18 states, helping people improve credit scores while creating local employment opportunities — merging technology with social impact.
Addressing India’s Credit Challenge
The numbers tell a critical story:
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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 suffers $2.65B in losses annually
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Nearly 28 lakh CIBIL complaints filed in FY 2023–24
Credit Samadhaan provides a pathway to financial stability and opportunity.
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, this journey is personal. Having faced financial struggles himself, he is committed to reducing financial stress, restoring dignity, and preventing 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 backing 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 purpose-driven technology can empower millions.
