Every entrepreneur has a story, but some stories carry the power to change millions of lives. Piyush Nagar, the founder of Credit Samadhaan, turned his early struggles into strength and built an AI-powered platform that is reshaping India’s financial landscape.
A Childhood of Struggles, A Mindset of Resilience
Life tested Piyush early. Losing his father at just eight years old, he had to take on responsibilities far beyond his age. To pay his school fees, he sold ice candies and later took up commission-based jobs while continuing his studies.
Armed with determination, he became an engineer and in 2009 launched Sixth Sense IT Solutions, which grew into a global IT company with 4,000+ clients worldwide. But his journey didn’t stop with business success — it led him to a much deeper purpose.
The Eye-Opening Discovery
While working with a rural fintech startup, Piyush made a startling observation:
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Out of every 1 lakh loan applications, nearly 99,300 were rejected
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Over 70% were turned down due to poor credit scores
This wasn’t just data — it was the reality of millions of Indians being locked out of opportunities because of a three-digit number on a credit report. From farmers to entrepreneurs, dreams were being stalled.
That moment set Piyush on a new mission. After 1.5 years of intense research, Credit Samadhaan was born.
Breaking Barriers with AI
Credit Samadhaan is India’s first AI-powered Credit Score Rectification & Repair platform, capable of repairing scores across CIBIL, Experian, Equifax, and CRIF — often within 45 days.
By embedding AI at its core, the platform makes credit repair simple, transparent, and effective — turning what was once a complicated process into an accessible solution.
Beyond Technology: Credit Samadhaan Kendras
To ensure accessibility, Piyush introduced Credit Samadhaan Kendras — physical centers across 18 states. Here, trained local partners use AI insights to guide people, repair scores, and create financial opportunities.
These Kendras not only restore financial health but also generate livelihood opportunities, blending social impact with innovation.
India’s Credit Crisis at a Glance
The problem is far-reaching:
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40% of home loan borrowers pay higher interest rates
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80% of Kisan Credit Card holders face rejection
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36% of small businesses are denied loans
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31% of auto loans are rejected
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Real estate loses $2.65B annually
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Over 28 lakh CIBIL complaints filed in FY 2023–24
Credit Samadhaan directly addresses this growing crisis.
Recognitions Along the Way
The company’s impact is already being recognized:
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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 the Top 100 Startups by TGS (2024)
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Among the Top 100 Startups by TiECon Vadodara (2025)
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Among the Top 50 Startups by Tata Social Enterprise Challenge (2025)
With 464 partners and 1,000+ clients, the initiative is quickly scaling into a national movement.
A Mission with Heart
For Piyush, Credit Samadhaan is not just a business — it’s a lifeline for people in distress. Having lived through struggle himself, he knows the pain of rejection and wants to ensure others don’t lose hope. His broader mission is to reduce financial stress and prevent suicides in India, offering people a fair chance at dignity and opportunity.
By combining AI-driven innovation with human compassion, Credit Samadhaan isn’t just repairing scores — it is repairing lives.
The Road Ahead
With support from IPV and leading institutions, Piyush aims to take Credit Samadhaan to every corner of India, making sure no dream is ever denied because of a poor credit score.
👉 From a boy selling ice candies to a visionary entrepreneur leading a financial revolution, Piyush Nagar proves that when technology meets purpose, it has the power to transform an entire nation.
