Credit Samadhaan, the country’s first AI-powered service to fix bad credit scores, has now grown to 700+ Kendras (help centers) across 18 states of India. Thousands of people are already walking into these centers for help, and the company has already crossed 1,000+ happy customers.
This achievement is not just about numbers — it’s about giving people a second chance when banks and lenders say NO.
The Man Behind the Mission – Piyush Nagar
The story of Credit Samadhaan starts with its founder, Piyush Nagar. Life was never easy for him. He lost his father when he was just 8 years old. To pay for school, he sold ice candies on the streets and did small sales jobs.
But instead of giving up, he kept fighting. He studied hard, became an engineer, and then built a successful IT company called Sixth Sense IT Solutions in 2009, which today serves over 4,000 clients worldwide.
Still, one moment changed his life forever. While working with a rural fintech startup, he discovered something shocking:
👉 Out of 1 lakh loan applications, 99,300 were rejected. And in more than 70% of cases, the reason was a poor credit score.
That day, Piyush decided to solve this problem. After 1.5 years of research, he 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 not just an online app or website. To reach people everywhere — even in small towns and villages — Piyush started Credit Samadhaan Kendras.
These are physical help centers where trained local partners sit with people, explain their problems, and use AI-powered systems to fix their credit reports.
- Today, there are 700+ Credit Samadhaan Kendras in 18 states.
- These Kendras help farmers, shopkeepers, small businesses, home buyers, and even salaried people who get rejected by banks.
- They don’t just fix credit scores, they also give guidance for financial stability.
- At the same time, Kendras create local jobs, giving people work in their own cities and villages.
This is why Credit Samadhaan is growing so fast — it’s tech with a human touch.
Credit Samadhaan National Recognition
Credit Samadhaan’s impact is being noticed at the highest levels. The company has received recognition and awards from across the country:
- Supported by IIM Ahmedabad, IIM Bangalore, and STPI
- Winner of Octane 5.0 (STPI) – 2024
- Winner of Bharat Pitchathon 3.0 – 2024
- Featured among Top 100 Startups by TGS (2024)
- Featured among Top 100 Startups by TiECon Vadodara (2025)
- Featured among Top 50 Startups by Tata Social Enterprise Challenge (2025)
Credit Samadhaan plans to grow from 700+ Credit Samadhaan Kendras today to thousands more in the near future. The aim is simple:
👉 No Indian should be denied a loan or opportunity just because of a bad credit score.
More Than Business – It’s About Lives
For Piyush Nagar, this is not just a startup. It’s a personal mission. Having faced hardship himself, he knows what rejection feels like. His goal is bigger than improving scores — he wants to reduce financial stress, bring dignity back to people, and even prevent suicides caused by debt and financial rejection.
👉 From a boy who once sold ice candies to survive, to now leading a financial revolution with 700+ Kendras, Piyush Nagar and Credit Samadhaan are proving one powerful truth:
When technology is driven by purpose, it doesn’t just fix numbers — it fixes lives.
