Whether it's the challenges of Schedule M or awareness of best practices, nobody understands the fundamental issues of the pharma business better than you. Except, perhaps, ICICI Bank. We have the expertise needed to help you keep pace with the developments in this fast-evolving industry. Our team of pharma specialists are driven to add value to your business through focus, innovation and sharing.

Whether you are involved with formulations or APIs – for local or global markets, what you get is a potent mixture of industry understanding backed by working capital facilities, forex services and special lending programs customised for you.

Working Capital


Cash Credit

  • Working capital as cash-credit facility (with charge on current assets)
  • Facility for a period of 12 months
  • Floating interest rate. Interest levied only on amount utilized.
  • Flexibility of paying a minimum amount every month.

Working Capital Demand Loan


This can be offered from 50% to 80% of the overall Working Capital limit with a special pricing and 100% utilisation over the term of the Demand loan. This is a unique product and offers considerable cost saving.