Some challenges demand more than innovation — they require heart, grit, and vision. Piyush Nagar, the founder of Credit Samadhaan, turned his personal hardships into a mission: to ensure that no Indian is denied financial opportunities due to a low credit score.
A Childhood of Responsibility
At just eight years old, Piyush lost his father and had to shoulder responsibilities beyond his years. Selling ice candies and taking small sales jobs to fund his education, he learned resilience early on.
His determination led him to become an engineer and, in 2009, to establish Sixth Sense IT Solutions, a global IT company serving 4,000+ clients, including corporates, MNCs, and government organizations. But his journey of impact was only beginning.
The Turning Point
While working with a rural fintech startup, Piyush discovered a staggering truth: Out of 1 lakh loan applications, nearly 99,300 were rejected Over 70% were denied due to low credit scores
Millions of Indians — farmers, entrepreneurs, and homebuyers — were losing opportunities not because of lack of effort, but because of a single number on a credit report.
Motivated to change this, Piyush spent 1.5 years researching solutions, ultimately creating Credit Samadhaan, India’s first AI-powered Credit Score Rectification & Repair platform.
AI Meets Human Empathy
Credit Samadhaan repairs credit scores across CIBIL, Experian, Equifax, and CRIF, often within 45 days, using AI for fast, transparent, and effective results.Piyush also introduced Credit Samadhaan Kendras in 18 states, blending AI insights with human guidance. These centers help repair credit scores while generating local employment opportunities, combining innovation with social impact.
Addressing India’s Credit Crisis
The scale of the problem is immense:40% of home loan borrowers pay extra interest80% of Kisan Credit Card applicants are rejected36% of small businesses are denied loans31% of auto loans are rejectedReal estate loses $2.65B annuallyOver 28 lakh CIBIL complaints in FY 2023–24Credit Samadhaan tackles these challenges head-on, restoring financial stability and dignity.
Recognition and Impact
Supported by IIM Ahmedabad, IIM Bangalore, and STPIWinner – Octane 5.0 (STPI), 2024Winner – Bharat Pitchathon 3.0, 2024Ranked among Top 100 Startups by TGS (2024)Ranked among Top 100 Startups by TiECon Vadodara (2025) Ranked among Top 50 Startups by Tata Social Enterprise Challenge (2025) With 464 partners and 1,000+ clients, the platform is rapidly becoming a nationwide movement.
A Mission Beyond Numbers
For Piyush, Credit Samadhaan is personal. Having experienced 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 scores — it is transforming lives.
The Road Ahead
With strong backing from IPV and national institutions, Credit Samadhaan is poised to scale across India, ensuring 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 technology can break barriers and empower millions.