For pharma
Claims & scheme settlement for pharma distribution
Pharma runs on thin margins and a long channel — manufacturer to C&F agent to stockist to pharmacy. That makes scheme leakage and slow claim settlement expensive. ClaimDS settles the money side, GST and all.
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How the channel works
Pharma distribution typically flows through several tiers — manufacturer, carrying-and-forwarding (C&F) agent, stockist or distributor, and the retail pharmacy. Margins are narrow and tightly regulated, returns (expiry and breakage) are routine, and every adjustment usually needs a GST-compliant credit note. Reconciling schemes and claims across that chain, by hand, is where money and time leak.
Where it leaks for pharma distributors and manufacturers
- Returns and adjustments pile up. Expiry, breakage and price adjustments generate a constant stream of claims and credit notes that have to be reconciled and settled correctly.
- Reconciliation across tiers. Tying a stockist’s claim back to the right agreement and the underlying transactions, across a multi-tier channel, is slow and error-prone in spreadsheets.
- Thin margins magnify leakage. When margins are tight, a few percent of scheme leakage or an unrecovered deduction is a meaningful hit to the P&L.
How ClaimDS helps
- Schemes accrue themselves. Volume, stepped, tiered, growth and target schemes accrue automatically against your agreements — no month-end spreadsheet marathon, and you always know what you owe.
- Claims reconcile against the agreement. Every distributor or dealer claim is matched to the agreement it falls under, so over-claims and duplicates surface on their own and you work only the variances.
- GST-compliant settlement. Settle with Section 34 / Rule 53(1A) credit notes, GSTIN and HSN validation, place-of-supply tax splits and ITC-reversal tracking — built for Indian tax, not bolted on.
- A tamper-evident audit trail. Every accrual, claim decision, reversal and settlement is recorded in a hash-chained log, so you can answer “who changed what, and when” at any time.
Frequently asked questions
Does ClaimDS handle pharma returns and GST credit notes?
ClaimDS settles the financial claim that results from a return or adjustment with a GST-compliant credit note (Section 34 / Rule 53(1A)). The physical returns process stays in your ERP or DMS; ClaimDS reconciles and settles the money.
Can it reconcile claims across stockists and C&F agents?
Yes. Claims are reconciled against the agreement they fall under and the underlying transactions, so you can work the variances across your distribution tiers instead of re-keying spreadsheets.
Is ClaimDS only for pharma?
No — it is multi-vertical (FMCG, pharma, automotive, paints and more). Pharma is one of the channels its GST-native settlement and reconciliation are well suited to.
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