In a modest office in Indore, a quiet revolution is underway. No flashy ads, no tall promises — just consistent effort powered by technology and compassion, changing the way people think about credit and their financial future.
From Ice Candies to Innovation
This is the story of Piyush Nagar, who lost his father at the tender age of 8. To support his family, he began selling ice candies. Life wasn’t easy, but his determination was stronger than his struggles. He pursued his education, became an engineer, and went on to establish Sixth Sense IT Solutions, a global tech company with over 4,000 clients.
Yet, amidst all his achievements, one troubling question stayed with him:
Why are hardworking, honest Indians being turned away by banks and financial institutions?
The Eye-Opening Reality
While working on a rural project, Piyush discovered something startling: out of 1 lakh loan applications, over 99,000 were rejected due to low credit scores. Not because applicants were dishonest, but because they didn’t understand how credit scores worked or how to improve them.
This realization planted the seed for a life-changing idea.
The Birth of Credit Samadhaan
Piyush launched Credit Samadhaan, a platform that uses Artificial Intelligence to analyze credit reports, identify errors or weaknesses, and guide users with practical steps to rebuild their credit profile.
The platform is simple, effective, and fast — many users see positive results in as little as 45 days. But Piyush knew that technology alone wasn’t enough.
Bridging Tech with Human Touch
That’s why he set up Credit Samadhaan Kendras across 18 Indian states. These physical centers are staffed with Credit Coaches — trained professionals who personally guide individuals and families in understanding and improving their credit.
From farmers needing funds for seeds, to small shopkeepers wanting to expand, these centers are empowering people with second chances. What’s more, they also create employment opportunities by training locals to become Credit Coaches themselves.
Beyond Numbers — Restoring Confidence
Poor credit scores have kept countless Indians from accessing opportunities:
- Farmers denied loans for agricultural needs.
- Entrepreneurs unable to expand their businesses.
- Families paying higher interest on home loans.
By addressing these issues, Credit Samadhaan is not just fixing financial records — it’s rebuilding lives, dignity, and hope.
Recognition and Growth
In a short span, Credit Samadhaan has emerged as one of India’s most trusted social enterprises. It has received support from IIM Ahmedabad, IIM Bangalore, and STPI, won accolades like Octane 5.0 and Bharat Pitchathon, and was named among the Top 50 Social Enterprises by the Tata Social Challenge.
The platform has also secured investment from Inflection Point Ventures, fueling its expansion to reach more people across the country.
A Mission with Heart
For Piyush, Credit Samadhaan is not just another startup. He knows that when loans are rejected, people don’t just lose financial opportunities — they lose morale. Some even slip into depression or worse. His mission is clear:
- Reduce financial stress.
- Prevent suicides linked to debt.
- Give people a path to recovery and hope.
Looking Ahead
With more than 1,000 clients and 464 partners, Credit Samadhaan is growing rapidly. The vision is bold — to support millions of Indians so no one feels trapped because of a low credit score.
A Story of Hope and Second Chances
This is more than the story of a company. It’s the journey of a man who turned hardship into purpose and is now helping others reclaim their futures.
Through Credit Samadhaan, Piyush Nagar is proving that technology isn’t just about profits — it’s about trust, empowerment, and giving people a fresh start.
And in today’s India, that kind of hope is priceless.
👉 Learn more at: [www.creditsamadhaan.com]
