In Indore, a quiet yet powerful initiative is reshaping how people access financial opportunities. It’s not about advertisements or hype, but about using technology and compassion to give people the chance to regain control of their finances.
From Childhood Struggles to Entrepreneurial Vision
Piyush Nagar lost his father at the age of 8 and started selling ice candies to support his family. Despite these hardships, he focused on his education, became an engineer, and founded Sixth Sense IT Solutions, a global tech company serving over 4,000 clients.
Even with success, one question lingered:
Why are hardworking Indians turned away by banks simply because of low credit scores?
A Revealing Discovery
During a rural project, Piyush realized that out of 1,00,000 loan applications, nearly 99,300 were rejected due to poor credit scores. These applicants weren’t dishonest — they lacked the knowledge and guidance to improve their credit.
This discovery inspired a solution that could transform lives.
The Birth of Credit Samadhaan
Credit Samadhaan is an AI-powered platform that scans credit reports, identifies issues, and provides step-by-step guidance to improve credit scores. Many users see results within 45 days.
But Piyush knew that technology alone wasn’t enough.
Credit Kendras — Support Beyond Technology
To make help accessible, Credit Samadhaan Kendras were set up in 18 states. Staffed by trained Credit Coaches, these centers guide farmers, shopkeepers, small business owners, and families in understanding and repairing their credit.
The Kendras also:
- Promote financial literacy in communities.
- Train locals as Credit Coaches, creating job opportunities.
- Help people regain access to loans and financial stability.
Changing Lives, Not Just Numbers
Low credit scores prevent farmers from securing loans, block business growth, and force families to pay higher interest rates.
Credit Samadhaan restores more than financial health — it restores confidence, dignity, and hope.
Recognition and Expansion
The initiative has received support from IIM Ahmedabad, IIM Bangalore, and STPI, won awards like Octane 5.0 and Bharat Pitchathon, and was named among the Top 50 Social Enterprises by Tata Social Challenge.
With backing from Inflection Point Ventures, Credit Samadhaan is rapidly expanding to reach more people across India.
A Mission from the Heart
For Piyush, this is not just business. Financial rejection affects confidence and mental well-being. His mission is to:
- Reduce financial stress.
- Prevent debt-driven despair.
- Give people a second chance at a better life.
Looking Ahead
With 1,000+ clients and 464 partners, Credit Samadhaan is growing fast, aiming to empower millions of Indians so no one feels trapped by a low credit score.
A Story of Hope
This is more than a company — it’s a movement.
Through Credit Samadhaan, Piyush Nagar demonstrates that technology, combined with compassion, can rebuild lives, restore trust, and open doors to new opportunities.
👉 Learn more at: [www.creditsamadhaan.com]
