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Want to Manufacture Medicines Without Owning a Plant? Here’s How a Loan License Makes It Possible
CDSCO License

Mon, Dec 29 2025

Raju Karn

Want to Manufacture Medicines Without Owning a Plant? Here’s How a Loan License Makes It Possible

In India, setting up a pharmaceutical manufacturing unit involves heavy investment, infrastructure, and regulatory compliance. But what if you want to manufacture drugs without owning a factory?

That's where a Loan License comes in.

In this detailed 2025 guide, you’ll learn what a Loan License is, who can apply, what documents are required, the complete approval process, validity, and how PSR Compliance can assist you in getting licensed faster.

What is a Loan License in Pharma?

A Loan License is issued under Rule 69A of the Drugs and Cosmetics Rules, 1945 It allows a company to manufacture drugs using another company’s manufacturing facility, without owning the plant itself.

In simple words:

You can “borrow” a manufacturing unit and still legally market the medicines under your brand.

This model is widely used in India by startups, marketing companies, and exporters.

 

Who Needs a Loan License?

You should apply for a Loan License if you:
- Are a pharma marketing company without your own plant
- Want to outsource manufacturing to a third party
- Need approval to legally label and sell under your brand
- Want to avoid upfront investment in infrastructure

Documents Required for Loan License

Here’s a list of documents typically required for obtaining a Loan License:

From Loan License Applicant

- Application Form (Form 27A)
- Company Registration Certificate
- PAN and GST of the firm
- Site Master File (prepared jointly with manufacturer)
- Details of technical staff (production & quality control)
- Power of Attorney / Agreement with the manufacturer
- List of products to be manufactured
- Copy of trademark certificate(if applicable)

From Manufacturing Unit (Lender)

- Valid Manufacturing Drug License
- WHO-GMP certificate (if required)
- Approved layout plan of manufacturing unit
- Consent to use premises
- Equipment & testing facility details
- Staff qualification certificates
- Pollution NOC(if applicable)

Tip : Ensure the manufacturing unit you choose is fully compliant and already licensed for the category of drug you wish to produce.


Step-by-Step Process to Get a Loan License in India

Here’s how the Loan License registration process works:

Step 1: Finalize Agreement with Licensed Manufacturer

Enter into a contract with a manufacturer having a valid drug manufacturing license and infrastructure.

Step 2: Document Preparation

Collect all required documents from both parties (you + manufacturer).

Step 3: Submit Application

Apply through the State Drug Control Department portal or CDSCO(if applicable) using Form 27A.

Step 4: Site & Document Inspection

Authorities may inspect the manufacturing premises, validate staff, records, and equipment.

Step 5: Fee Payment

Pay the required government fees and submit challan.

Step 6: Approval & Issuance of Loan License

Once approved, you receive a Loan License for the listed products and categories.

Typical timeline: 30–90 days, depending on state & documentation.

Validity of Loan License in India

- The Loan License is valid for 5 years

- It is renewable before expiry

- Renewal should be filed within 6 months of expiry date

- You must maintain a valid agreement with the manufacturing unit throughout the license period

 

Government Fees for Loan License

Description Approx. Fee (₹)
Government Application Fee₹6,000 – ₹15,000
Inspection Fee (if any)Varies by state
Professional/Consultancy FeeBased on services

Note: Fee may vary by drug category (Allopathic, Ayurvedic, etc.) and state.

Common Mistakes to Avoid

- Choosing a non-compliant or blacklisted manufacturer

- Incomplete agreement or improper documentation

- Mismatch in product list and actual site capability

- Lack of qualified staff details

- Delay in renewal filing
PSR Compliance helps you avoid rejection and speed up approval.

Product Categories Allowed Under Loan License

- Tablets, Capsules, Syrups

- Ointments, Creams, Injectables

- Ayurvedic & Herbal Products

- Nutraceuticals (if covered under Drug Rules)

- Veterinary medicines

  (Subject to manufacturer’s license scope)

Why Choose PSR Compliance?

At PSR Compliance , we assist pharma professionals, entrepreneurs, and marketing companies with:

✔️ Manufacturer identification & tie-up

✔️ Agreement drafting

✔️ Application preparation & online filing

✔️ Follow-ups & license tracking

✔️ Renewal & product endorsement

FAQs on Loan License for Drug Manufacturing

Q1. Can a marketing company apply for a loan license?
🅰️ Yes, any legally registered entity can apply if partnered with a licensed manufacturer.

Q2. Is WHO-GMP mandatory for loan license?
🅰️ It depends on your market. For exports, WHO-GMP is usually required.

Q3. Can I manufacture multiple products under one loan license?
🅰️ Yes, but each product must be approved and listed during application.

Q4. What if I change the manufacturer?
🅰️ You’ll need to apply for an endorsement or fresh loan license with the new unit.

Q5. Can I apply online for loan license?
🅰️ Yes, most state drug departments and CDSCO offer online filing portals.

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