Some journeys begin with struggle, but end in transformation. Piyush Nagar, founder of Credit Samadhaan, turned his early hardships into a mission: to ensure that millions of Indians are not denied financial opportunities due to low credit scores.
From Early Hardship to Entrepreneurship
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 and grit early in life.
Despite these challenges, he became an engineer and, in 2009, founded Sixth Sense IT Solutions, a global IT firm serving 4,000+ clients, including corporates, MNCs, and government organizations. Yet, Piyush’s mission extended far beyond business success.
A Turning Point in Credit Access
While working with a rural fintech startup, Piyush uncovered a shocking reality:
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Out of 1 lakh loan applications, nearly 99,300 were rejected
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Over 70% of rejections were due to poor credit scores
He realized millions of hardworking Indians — farmers, entrepreneurs, and homebuyers — were losing opportunities not because of ambition or effort, but because of a number on a credit report.
Determined to create change, he spent 1.5 years researching solutions, ultimately launching 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 in as little as 45 days, combining AI efficiency with human guidance.
Piyush also introduced Credit Samadhaan Kendras across 18 states, creating financial solutions and local employment opportunities, making technology accessible while generating social impact.
Tackling India’s Credit Challenges
The credit crisis in India is significant:
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40% of home loan borrowers pay extra interest
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80% of Kisan Credit Card applicants 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 pathway to financial stability for millions.
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 growing into a national movement.
A Mission Beyond Business
For Piyush, Credit Samadhaan is personal. Having experienced financial struggle himself, he is committed to reducing stress, restoring dignity, and preventing credit-related hardships.
By combining AI innovation with human empathy, Credit Samadhaan is not just repairing credit scores — it is transforming lives.
The Road Ahead
With strong institutional support, Credit Samadhaan is scaling across India, ensuring that no dream is denied because of a poor credit score.
👉 From selling ice candies to leading a national AI-driven financial revolution, Piyush Nagar shows how vision, purpose, and technology can empower millions.
