Some stories are defined by resilience, purpose, and impact. Piyush Nagar, founder of Credit Samadhaan, transformed his personal struggles into a mission: to help millions of Indians access financial opportunities, regardless of their credit scores.
From Childhood Struggles to Entrepreneurial Drive
At the age of eight, Piyush lost his father and had to take responsibility for his education and family. To support himself, he sold ice candies and worked commission-based jobs, learning perseverance at an early age.
Through hard work, 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 biggest mission was still ahead.
The Spark That Led to Change
While working with a rural fintech startup, Piyush uncovered a stark 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 low credit scores
He realized that millions of hardworking Indians — from farmers to entrepreneurs — were being denied opportunities not due to lack of ambition, but because of a number on a credit report.
Determined to solve this problem, Piyush spent 1.5 years researching solutions, ultimately creating Credit Samadhaan, India’s first AI-powered Credit Score Rectification & Repair platform.
AI-Driven Credit Solutions with Human Touch
Credit Samadhaan repairs credit scores across CIBIL, Experian, Equifax, and CRIF in as little as 45 days, combining AI technology with personal guidance.
To expand its reach, Piyush launched Credit Samadhaan Kendras in 18 states, helping people improve credit while creating local employment opportunities, blending innovation with social impact.
Tackling India’s Credit Crisis
India faces significant 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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Among Top 100 Startups by TGS (2024)
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Among Top 100 Startups by TiECon Vadodara (2025)
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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 deeply personal. Having faced financial struggles himself, he strives 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 ready 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 shows how purpose, technology, and determination can empower millions.
