Tamil Nadu
How much of your margin is going to unsettled claims?
Distribution margins are under public discussion, and claims are part of the cost side nobody itemises: disputed deductions, short-settled schemes, and working capital parked in long settlement cycles. This page lets TNCPDA members put their own numbers on it.
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Prepared for members of TNCPDA. ClaimDS is not affiliated with, endorsed by, or approved by Tamil Nadu Consumer Products Distributors Association. TNCPDA's own site.
Put your own numbers on it
Estimated annual claims leakage
₹10 lakh – ₹17 lakh
How we calculated this
Scheme spend = turnover × the spend % you set = ₹3 crore/year. Disputed value = scheme spend × your disputed %. Of that disputed value, we assume 40–70% is ultimately lost — written off, never re-claimed, or conceded. That share is a modelling assumption, not a sourced industry figure, which is why the output is a range and not a number.
Working capital locked in the settlement cycle
₹39 lakh – ₹59 lakh
How we calculated this
Scheme spend pro-rated over your 60-day settlement cycle — spend × (cycle ÷ 365) — shown with a ±20% band because spend is not spread evenly across the year. Both factors are your inputs; the band is the modelling assumption.
Manual effort spent on claims
180 person-days / year
How we calculated this
Your 15 person-days per month × 12. Pure arithmetic on your input — no assumption involved.
Every figure derives from what you entered. This is a sizing illustration, not an audit of your business — your actual position depends on your schemes, controls and reconciliation.
Every figure derives from what you enter — the methodology is shown under each result, and the full notes are on the calculator page. Use “Share these numbers” to circulate a link inside your association; the link carries only the inputs, never contact details.
For TNCPDA members
Run the calculator with your own numbers. If you want the workings behind it for your business, request a written claims-leakage assessment — free, and yours to circulate inside your association.