What we do CMS Info Systems Ltd provides logistics and technology solutions to banks, financial institutions, retail, and e-commerce sectors in India, focusing on cash management and ATM services. |
Founded in 2,008 |
Market share India's largest cash management company by ATM points with ~42% market share in Cash Logistics and #3 position in Managed Services. |
Problem solved Enables financial inclusion by facilitating access to formal banking and seamless cash-based payments across India. |
Top clients or who we serve Banks, financial institutions, organized retail, e-commerce companies; primarily B2B customers. |
Key management Rajiv Kaul (Exec VC & CEO), Pankaj Khandelwal (President & CFO), Shyamala Gopinath (Chairperson, Former RBI Deputy Governor) |
Our journey and innovations Founded in 2008, IPO in 2021, acquired mid-sized cash management firm (2017), launched ALGO OTC (2019) and AIoT remote monitoring (2021), new ATM/kiosk manufacturing (2023). |
Where we operate Pan-India with 150,000+ business points and 70,000+ ATMs managed. |
Top products or what we offer Cash management services, managed services including ATM management, card personalization, AIoT remote monitoring, banking automation products. |
Top brands ALGO OTC Platform, HAWKAI Vision AI Solution, CMS ATM Management, Retail 360 Solution for cash-on-delivery and UPI payments. |
Raw materials needed Raw materials for manufacturing ATMs and kiosks including electronic components and mechanical parts. |
Raw materials supplier Suppliers not specifically disclosed; company manufactures some products in-house at Chennai facility. |
Recurring vs cyclical contribution Majority recurring revenue from managed services and long-term ATM contracts; cash logistics shows steady growth. |
Our industry position Leader in cash logistics and strong player in managed services with growing market share and integrated tech offerings. |
Financial highlights FY25 consolidated revenue ₹2424 Cr, PAT ₹372 Cr, 7% YoY revenue growth, EBITDA margin ~26%, EPS ~22.79. |
Geographical revenue split - |
Order book Order wins exceeded ₹1200 Cr in FY25, with majority recurring revenue from banking and retail sectors. |
Whats driving growth Retail & e-commerce expansion, increased ATM outsourcing, AI-powered monitoring, private sector bank growth, and tech automation. |
Our future plans Expand ATM base to 75,000 by Mar 2026, grow recurring revenue, scale AIoT solutions, invest in gig model and automation tech. |
Our green promise Adopting BS-VI compliant vehicles, energy-efficient office lighting, and sensor-based controls to reduce emissions and energy use. |
Our people and values Diverse leadership team with strong governance, focus on talent retention via ESOPs and healthy workplace culture. |
Key challenges ahead Lower retail consumption affecting volumes, delayed ATM deployments, provisioning risks amid MSP ecosystem stress. |
Interesting facts Handled record cash volume of Rs 14 trillion in FY25; rapidly growing AIoT remote monitoring business; one of India's largest ATM management platforms. |
Risks and strategy Mitigating fraud risks via AI monitoring and stringent controls; diversifying revenue; expanding private bank client base to manage cyclicality. |
