Some journeys begin with struggle and end in transformation. Piyush Nagar, founder of Credit Samadhaan, turned his personal hardships into a mission: to ensure millions of Indians get fair access to credit, regardless of their past financial challenges.
From Childhood Hardship to Entrepreneurial Success
At just eight, Piyush lost his father and had to shoulder responsibilities far beyond his years. Selling ice candies and taking small commission-based jobs to fund his education, he learned resilience early on.
Through 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, Piyush’s true mission was yet to unfold.
The Wake-Up Call
While working with a rural fintech startup, Piyush discovered 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 Indians — from farmers to small business owners to homebuyers — were losing opportunities not due to ambition, but because of a number on a credit report.
Motivated to make a difference, Piyush 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 Support
Credit Samadhaan repairs credit scores across CIBIL, Experian, Equifax, and CRIF within 45 days, combining AI precision with human guidance.
To ensure accessibility, Piyush introduced Credit Samadhaan Kendras across 18 states, helping people improve their credit while generating local employment opportunities, merging innovation with social impact.
Tackling India’s Credit Crisis
The numbers reveal the challenge:
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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 in FY 2023–24
Credit Samadhaan provides a clear pathway to financial stability and empowerment.
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 becoming a nationwide movement.
A Mission Beyond Numbers
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 isn’t just repairing credit scores — it’s transforming lives.
The Road Ahead
With strong backing 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 as a child to leading an AI-driven financial revolution, Piyush Nagar proves that purpose-driven innovation can break barriers and empower millions.
