PCD Pharma Business Plan (Free Excel): 12-Month Plan with Startup Cash, Margin and Break-even – and How the Business Model Works
By the Trumac Healthcare team, Panchkula · PCD pharma franchise company since 2007 · Updated 14 November 2026 · About us · WhatsApp +91 90416 77932
हिंदी में: PCD फार्मा बिज़नेस प्लान का मुफ्त Excel – शुरुआती पूंजी, महीने की बिक्री, नेट रेट मार्जिन, खर्च, उधार और ब्रेक-ईवन अपने-आप।
How the PCD pharma business model works
| Step | What happens |
|---|---|
| 1. Choose a company and divisions | Pick ranges that match the doctors in your district; get monopoly rights for the area |
| 2. Buy at net rates | No franchise fee or deposit with Trumac; the first order starts from ₹25,000 |
| 3. Promote to doctors | Visit doctors with visual aids, literature and samples – within the UCPMP 2024 code |
| 4. Supply chemists and stockists | They buy from you at PTR (or the rate you agree), near each prescribing doctor |
| 5. Earn the gap | Your margin is PTR minus your net rate, less travel, samples, freight, credit and expiry |
Costs and margins are explained in PCD pharma franchise cost and the PTR PTS calculator.
What the business plan Excel contains
| Section | What it covers |
|---|---|
| A. Money needed to start | First stock order plus one-time costs – drug licence, GST, godown, furniture, refrigerator if needed |
| B. Monthly assumptions | Month-1 sales at PTR, monthly growth, net rate as % of PTR, freight, samples, expiry, travel, MR salary, rent, credit days |
| C. 12-month plan | Sales, purchases, gross margin, costs, net profit, cumulative position and chemist credit for every month |
| D. Summary | Cash needed to start, 12-month sales and profit, the month one-time costs are recovered, working capital in credit and stock |
Six questions your plan should answer
- Area: which district, and how many doctors you can visit regularly.
- Products: which divisions and 25–30 products match those doctors – see sample first-order lists.
- Start cash: first stock order, drug licence, GST and premises – low-investment start from ₹25,000.
- Sales: a realistic month-1 figure at PTR and how fast it grows as prescriptions build.
- Costs: travel, any MR salary, samples, freight and expiry losses.
- Cash flow: the credit you give chemists and the stock you keep – both need cash before they pay back.
Medical agency or pharma distribution business plan
The same sheet works as a medical agency (stockist) business plan: set the net rate to PTS (about 90% of PTR for non-scheduled medicines), set samples to zero and add delivery costs under travel. Margins are explained in pharma distributor and stockist margin and the setup in how to start a medical agency.
PCD फार्मा / मेडिकल एजेंसी बिज़नेस प्लान कैसे बनाएं? (हिंदी में)
पहले अपना ज़िला और डॉक्टर तय करें, फिर 25–30 प्रोडक्ट चुनें। शुरुआती पूंजी = पहला ऑर्डर (Trumac में ₹25,000 से) + ड्रग लाइसेंस (20B और 21B के लिए ₹3,000) + गोदाम/ऑफिस। हर महीने की बिक्री PTR पर लिखें, नेट रेट घटाकर मार्जिन निकालें, फिर यात्रा, सैंपल, किराया और एक्सपायरी का खर्च घटाएं। केमिस्ट को दिया उधार भी पूंजी में जोड़ें। मेडिकल एजेंसी (स्टॉकिस्ट) के लिए नेट रेट की जगह PTS (PTR का लगभग 90%) डालें। ऊपर का Excel यह सब अपने-आप जोड़ता है – उदाहरण के आंकड़े सिर्फ़ अनुमान हैं। और जानकारी: दवा का बिज़नेस कैसे शुरू करें।
Frequently asked questions
What is a PCD pharma business plan?
It is a simple plan for your district: which doctors and products you will work with, how much cash you need to start, the monthly sales you expect at PTR, your costs and the month you recover your one-time costs. The free Excel on this page does the arithmetic.
What is the PCD pharma business model?
You buy branded medicines at net rates from a PCD company, promote them to doctors in your area under monopoly rights, and supply chemists and stockists at PTR. Your margin is the gap between PTR and your net rate, less your promotion, travel and running costs.
How much money do I need to start a PCD pharma business?
With Trumac Healthcare there is no franchise fee or deposit and the first order starts from ₹25,000. Add your drug licence (₹1,500 per form, so ₹3,000 for Forms 20B and 21B), premises and running costs, and keep cash for the credit you give chemists.
How long does a PCD franchise take to break even?
There is no fixed answer – it depends on how quickly doctors start prescribing, your costs and collections. Put your own numbers into the plan to see the month your one-time costs are recovered, and update it every month with actual sales.
Can I use this plan for a pharma distribution business?
Yes. For a stockist, set the purchase rate to PTS – about 90% of PTR for non-scheduled medicines – and replace samples with delivery costs. See the distributor margin guide for the numbers.
More free tools: purchase order format · stock and sales statement · MR daily call report · all guides.
Plan ready? Get our price list for your net rates – WhatsApp +91 90416 77932. 3000+ products, 15 divisions, monopoly rights, no franchise fee, first order from ₹25,000. Trumac Healthcare, Panchkula – since 2007.