C.E. Info Systems has announced a partnership with ClarityX to launch Geo-Fi, described as India's first comprehensive geo-intelligence stack for lending. The collaboration aims to integrate spatial insights into the lending journey to empower BFSI companies with a comprehensive view of borrower risk and opportunity.

Partnership overview

The collaboration brings together Mappls, the mapping and location intelligence platform operated by C.E. Info Systems, and ClarityX, an AI-driven data analytics company. The product, branded as Geo-Fi, is positioned as the first of its kind in India to combine geographic data with financial intelligence for loan-related applications.

Rohan Verma, Joint Managing Director at MapmyIndia Mappls, stated that the lending process in India has transformed from paper-heavy workflows to digital, data-driven ecosystems. He noted that location context has remained elusive as a source of intelligence. "Geo-Fi is designed to bridge this gap by adding a Geo Intelligence layer for the lending lifecycle in a secure way," Verma said. He added that the platform enables users to make better decisions by integrating into existing systems rather than replacing them.

Rakhi Prasad, Co-Founder of ClarityX, described the product as the convergence of spatial intelligence and lending technology stacks. "Leveraging MapmyIndia’s vast and comprehensive Maps data and Location insights, ClarityX brings together domain expertise, contextual data, advanced analytics and AI to help lenders unlock the intelligence hidden within geography," Prasad said.

What Geo-Fi offers

Geo-Fi is a plug-and-play geo-intelligence stack designed to augment existing lending technology. It integrates seamlessly with Loan Origination Systems (LOS), Loan Management Systems (LMS), CRM, and collections platforms via APIs, spatial visualization tools, and SDKs. The platform supports flexible deployment options including on-premises, hybrid, or cloud environments.

The system operates through a continuous AI intelligence loop, powering every stage of the lending journey:

• Geo-Analyse: Identifies high-potential and underserved markets by combining lender data with geocoding, address intelligence, points of interest (POIs), affluence, demographics, and micro-geography. Metrics include the percentage of pin-codes opened up and new geographies activated.
• Geo-Check: Strengthens underwriting by transforming unstructured addresses into precise geographic coordinates. It validates address sufficiency and enriches underwriting with granular geo-fenced negative areas. Metrics include the percentage of applications geocoded and Customer Profile Verification (CPV) exception rates.
• Geo-Collect: Enables intelligent collections through geo-tagged field visits, on-ground feedback capture, delinquency heatmaps, and honeycomb spatial analytics. Metrics include visit success rates and field productivity uplift.

The launch marks an entry into the intersection of geospatial technology and financial services. Mappls contributes its location data infrastructure, while ClarityX brings its domain expertise and AI engine to the combined offering. The Geo-Fi platform will be showcased at the Mappls Pavilion during the Global Fintech Fest 2026 in Mumbai.

C.E. Info Systems Limited reported an 8.6% year-on-year increase in consolidated profit after tax (PAT) to ₹49.7 crore for Q1FY27, driven by a 14.9% surge in revenue from operations to ₹139.7 crore. The growth was primarily fueled by a significant expansion in its IoT-led business, which grew from ₹23.4 crore to ₹41 crore, partially offsetting flat performance in its core map-led segment. The results were approved by the Board on August 04, 2026, coinciding with the resignation of Nikhil Kumar as Whole Time Director of its subsidiary, Mappls DT Private Limited.

The filing was submitted under Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. Consolidated total income grew 17.8% to ₹159.4 crore. EBITDA remained nearly flat at ₹56.1 crore, causing margins to contract to 40.2% from 45.9% due to product mix changes involving lower-margin hardware sales and a one-time write-off. Standalone revenue from operations increased 21.3% to ₹124.5 crore. Cash and cash equivalents strengthened to ₹745.3 crore as of June 30, 2026.

Financial Highlights

Segmental Performance and Leadership

Beginning this quarter, the company refined its segmental revenue presentation, reporting market-wise revenues across three verticals—Automotive, Enterprise, and Government—instead of the previous A&M and C&E segments. Automotive revenue grew 29% to ₹58.8 crore, while Enterprise revenue rose 6% to ₹64 crore. Map-led revenue grew marginally to ₹98.7 crore from ₹98.2 crore, whereas IoT-led revenue surged to ₹41 crore from ₹23.4 crore.

Rohan Verma remains Joint Managing Director, effective July 01, 2026, focusing on AI-native product development. Chairman and Managing Director Rakesh Verma highlighted the company’s evolution into an AI-powered deep-tech entity, noting that AI capabilities have been integrated into products for over five years. Nikhil Kumar stepped down as Whole Time Director of Mappls DT Private Limited at the closure of business hours on August 03, 2026.

What the Numbers Show

Standalone profitability outpaced consolidated growth in Q1FY27, with standalone PAT rising 10.1% compared to an 8.6% increase in consolidated PAT. This divergence suggests that while the core entity performed strongly, losses from associates and joint ventures—totaling ₹64 lakh in the quarter—dampened the group-wide bottom line. The EBITDA margin contraction to 40.2% was impacted by a ₹4 crore one-time write-off of a government client receivable; however, management clarified that the net P&L impact was only ₹80 lakh due to corresponding payment savings. Without this write-off, EBITDA margins would have been above 43%. The company maintains an open order book of ₹1,750 crore, providing visibility for future growth.