Some journeys start with struggle and end with impact. Piyush Nagar, founder of Credit Samadhaan, turned personal hardship into a mission: to ensure that millions of Indians are not denied financial opportunities because of low credit scores.
From Early Hardship to Entrepreneurial Vision
At eight years old, Piyush lost his father and had to take responsibility for his family and education. Selling ice candies and later working commission-based jobs, he learned resilience and determination early in life.
Despite these challenges, 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. But his most impactful 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% were denied due to poor credit scores
Millions of hardworking Indians were losing opportunities, not because of ambition, but due to a number on a credit report.
Determined to change this, he spent 1.5 years researching solutions, leading to the creation of Credit Samadhaan, India’s first AI-powered Credit Score Rectification & Repair platform.
AI-Driven Solutions with Human Touch
Credit Samadhaan repairs scores across CIBIL, Experian, Equifax, and CRIF, often within 45 days, combining AI efficiency with personalized guidance.
To reach communities nationwide, Piyush launched Credit Samadhaan Kendras in 18 states, helping individuals improve credit while generating local employment opportunities, blending technology with social impact.
Tackling India’s Credit Crisis
The credit challenge in India is significant:
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40% of home loan borrowers pay extra interest
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80% of Kisan Credit Card applicants 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 addresses this crisis, 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 rapidly growing into a national 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 technology 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 set to scale 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, purpose, and technology can empower millions.
