Credit Samadhaan, India’s first AI-powered platform dedicated to repairing bad credit scores, has now expanded to over 700 Kendras across 18 states. Thousands of people are visiting these centers for assistance, and the company has already served more than 1,000 satisfied customers.
This milestone is not just about numbers — it’s about giving people a second chance when banks and lenders say NO.
The Visionary Behind Credit Samadhaan – Piyush Nagar
The journey of Credit Samadhaan began with its founder, Piyush Nagar. Life was never easy for him. Losing his father at the age of 8, Piyush started selling ice candies on the streets and took on small jobs to pay for his education.
Instead of giving up, he persevered. He studied hard, became an engineer, and went on to establish Sixth Sense IT Solutions in 2009, a successful IT company serving over 4,000 clients globally.
However, one experience changed his life forever. While working with a rural fintech startup, he discovered a shocking reality:
👉 Out of 1 lakh loan applications, 99,300 were rejected, and in over 70% of cases, the reason was a poor credit score.
Determined to solve this problem, Piyush spent 1.5 years researching and eventually created Credit Samadhaan, a platform that uses Artificial Intelligence (AI) to repair bad credit scores in just 45 days.
700+ Kendras Across India
Credit Samadhaan is more than just an app or website. To reach people in small towns and villages, Piyush launched Credit Samadhaan Kendras — physical help centers where trained local partners meet with individuals, understand their financial problems, and use AI-powered solutions to improve credit reports.
Today, there are 700+ Credit Samadhaan Kendras in 18 states, assisting farmers, shopkeepers, small business owners, homebuyers, and salaried individuals who have faced rejection from banks.
These Kendras don’t just repair credit scores — they provide guidance for financial stability while also creating local jobs, empowering people in their own communities.
This is why Credit Samadhaan is growing rapidly — it combines technology with a human touch.
National Recognition for Credit Samadhaan
Credit Samadhaan’s impact has been recognized nationwide:
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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 grow from 700+ Kendras to thousands more, Credit Samadhaan’s mission is clear:
👉 No Indian should be denied a loan or opportunity due to a poor credit score.
Beyond Business — Transforming Lives
For Piyush Nagar, Credit Samadhaan is not just a startup; it’s a personal mission. Having experienced hardship himself, he understands the pain of rejection. His goal goes beyond credit repair — he aims to reduce financial stress, restore dignity, and even prevent suicides caused by debt and financial rejection.
From a boy selling ice candies to now leading a financial revolution with 700+ Kendras, Piyush Nagar and Credit Samadhaan demonstrate a powerful truth:
When technology is driven by purpose, it doesn’t just fix numbers — it transforms lives.
