Some journeys begin with struggle but end in transformation. Piyush Nagar, founder of Credit Samadhaan, turned his personal hardships into a mission: to give millions of Indians fair access to credit, regardless of their past financial history.
From Childhood Struggles to Entrepreneurial Drive
At eight years old, Piyush lost his father and had to take responsibility for his family. Selling ice candies and later taking commission-based jobs to fund his education, he learned resilience and determination at a young age.
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 mission was still ahead.
The Spark That Inspired Credit Samadhaan
While working with a rural fintech startup, Piyush discovered a harsh reality:
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Out of 1 lakh loan applications, nearly 99,300 were rejected
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Over 70% of these rejections were due to poor credit scores
He realized that millions of Indians — from farmers to small business owners — were losing opportunities not because of ambition, but because of a number on a credit report.
After 1.5 years of research, Piyush launched Credit Samadhaan, India’s first AI-powered Credit Score Rectification & Repair platform.
AI with a Human Touch
Credit Samadhaan repairs scores across CIBIL, Experian, Equifax, and CRIF, often within 45 days, combining AI technology with personalized guidance.
To make the solution accessible, Piyush introduced Credit Samadhaan Kendras in 18 states, helping people improve credit while creating local employment opportunities, merging technology with social impact.
Tackling India’s Credit Crisis
India faces widespread credit challenges:
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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 provides solutions that restore 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 isn’t 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, purpose, and technology can empower millions.
