Credit Samadhaan, India’s first AI-powered platform for fixing bad credit scores, has now expanded to 700+ Kendras in 18 states, helping thousands of people regain financial confidence. Over 1,000 customers have already benefited, proving that this is more than just a numbers game — it’s about giving people a second chance when banks say NO.
The Man Behind the Mission – Piyush Nagar
The story of Credit Samadhaan is deeply personal. Its founder, Piyush Nagar, faced immense challenges from a young age. Losing his father at just 8 years old, Piyush supported his education by selling ice candies and taking small jobs.
Through perseverance and hard work, he became an engineer and launched Sixth Sense IT Solutions in 2009, serving over 4,000 clients worldwide.
His life took a transformative turn while working with a rural fintech startup, where he found that:
👉 Out of 1 lakh loan applications, 99,300 were rejected, with over 70% failing due to poor credit scores.
Determined to solve this problem, Piyush spent 1.5 years researching and created Credit Samadhaan, a platform using AI to repair credit scores in just 45 days.
Bringing Solutions to Every Corner
To reach people beyond cities, Piyush launched Credit Samadhaan Kendras — physical centers where trained local partners guide individuals through the credit repair process.
Today, these 700+ Kendras across 18 states support farmers, shopkeepers, small businesses, homebuyers, and salaried professionals who face loan rejections.
Beyond fixing credit scores, the Kendras educate people about financial stability and create local jobs, making them a source of empowerment for communities.
National Recognition
Credit Samadhaan’s innovative approach has earned national acclaim:
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Supported by IIM Ahmedabad, IIM Bangalore, and STPI
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Winner of Octane 5.0 (STPI) – 2024
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Winner of Bharat Pitchathon 3.0 – 2024
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Featured among Top 100 Startups by TGS (2024)
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Featured among Top 100 Startups by TiECon Vadodara (2025)
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Featured among Top 50 Startups by Tata Social Enterprise Challenge (2025)
With plans to expand from 700+ Kendras to thousands more, Credit Samadhaan aims to ensure:
👉 No Indian is denied a loan or opportunity because of a poor credit score.
More Than Business — Changing Lives
For Piyush, this is a mission, not just a business. Having experienced rejection and financial struggle firsthand, he wants to reduce financial stress, restore dignity, and prevent debt-related distress.
From selling ice candies to leading a nationwide financial revolution, Piyush Nagar and Credit Samadhaan show a powerful truth:
When technology is guided by purpose, it doesn’t just improve scores — it transforms lives.
