Ticket Size: ₹10 Crore – ₹100 Crore+
Health, Hospital & Pharma Infrastructure Finance
Specialized CAPEX & Expansion Debt from ₹10 Cr to ₹100 Cr+ for Healthcare Chains, Medical Colleges & Pharmaceutical Manufacturers
Executive Overview
The healthcare and pharmaceutical sector demands specialized debt structuring with custom moratorium periods, staggered machinery import lines, and cash-flow linked repayments. CreditCares is a recognized market leader in syndicating debt for hospitals, diagnostic imaging networks, and API/formulation drug manufacturing units across Mumbai, Thane, Pune, Kolkata, and Durgapur.
Target Borrower Profiles
- •Multi-specialty, super-specialty hospitals and cancer treatment institutes (50+ to 500+ beds)
- •Pharma formulation plants, Active Pharmaceutical Ingredient (API) manufacturers, and sterile injectables
- •Diagnostic pathology chains, PET-CT / MRI scanning centres seeking high-end machinery lines
- •Medical colleges, nursing institutes, and healthcare technology infrastructure builders
- •Ayurvedic, biotech, and pharmaceutical contract manufacturing organizations (CDMO/CRO)
Underwriting & Eligibility Metrics
| Evaluation Metric | Standard Requirement |
|---|---|
| Promoter Background | Qualified doctors, healthcare entrepreneurs, or established pharmaceutical industrial groups with proven track record |
| Operational Threshold | Existing hospital with 60%+ average bed occupancy or pharma unit with active commercial batches |
| Regulatory Approvals | Valid clinical establishment licenses, NABH/NABL accreditation or State Pollution Control / Drug Controller approvals |
| Viability Benchmarks | Projected DSCR >= 1.50x throughout debt tenure; viable techno-economic feasibility (TEV) |
Financing Benchmark
Indicative Rate:8.50% – 11.25% p.a.
Maximum Tenor:Up to 12 Years (with 12 to 24 Months moratorium period)
Min – Max Ticket:₹10 Crore – ₹100 Crore+
WhatsApp Advisory DeskRequired Documents
Project & Technical Reports
- • Detailed Project Report (DPR) detailing bed additions, OPD/IPD projections, or pharma batch capacities
- • Techno-Economic Viability (TEV) study conducted by approved empaneled agencies
- • Proforma invoices and quotes for imported medical equipment (MRI, CT, Linac) or cleanroom machinery
- • Architect certificates, civil layout estimates, and building plan sanction approvals
Licenses & Regulatory Clearances
- • Drug Controller General of India (DCGI) / State FDA licenses and WHO-GMP / USFDA inspection history
- • AERB approvals for radiological installations, Bio-Medical Waste authorization, Fire Safety NOC
- • Clinical Establishment Act registrations and local municipal clearances
Financial & Corporate Track Record
- • Past 3 years audited financial records of hospital trust, society, or corporate pharma entity
- • Key doctor / promoter profiles, CVs, net worth statements, and tax clearances
- • Cash flow models detailing operational breakeven and debt-service amortisation