Home / Healthcare Loans / Pharmacy & Chemist Store
Reviewed by the CreditCares advisory desk · 13 years in business finance · Last updated 10 July 2026
Working capital for pharmacies.
Inventory, expansion and new-outlet funding for retail pharmacies and chemist stores — sized to your drug licence and turnover.
₹10 L–5 Cr
Ticket size
Inventory-heavy
Working-capital structures
Multi-outlet
Chain expansion funded
Overview
Stock is the business — fund it properly
Pharmacy margins live in inventory breadth and availability. CC/OD limits against stock and distributor receivables keep shelves full; term loans fund new outlets and fit-out.
Government-scheme routes (Mudra for smaller stores, CGTMSE collateral-free) often price better at the small end — we route each case to the cheapest compliant option.
At a glance
ProductsCC/OD, term loan, Mudra / CGTMSE
SecurityStock & receivables; collateral-free options
ExpansionNew outlets & chain roll-outs
LicencesDrug licence central to the file
Who is eligible?
- Valid drug licence & GST registration
- 1–3 years' operations (new stores via schemes)
- Pharmacist qualification on record
- Banked turnover matching claimed sales
- Clean credit history
Documents you'll need
- Drug licence & GST certificate
- 2–3 years' ITR & financials
- 12 months' bank statements
- Stock statement
- KYC & shop agreement
Stocking up or opening the next outlet? We map your profile to the right lenders, prepare a bank-ready file and coordinate until disbursal — at no upfront cost.
Check your eligibility