Feasibility model · Free, no signup
Clinic and diagnostic centre ROI
Planning a clinic, lab or imaging centre and need the numbers for a bank loan? Pick a practice like yours, see what it costs to open, when it pays back, and whether it can carry the loan. Then change any number to match your plan.
- Starts from typical Indian numbers. Change any of them.
- Download a spreadsheet, print it, or share a link
- A planning check on your numbers, not a bank’s decision
Total investmentEverything it takes to open: equipment, fit-out, licences, a buffer for surprises, and loan interest during the fit-out.
₹1.2 Cr
Project return (IRR)The yearly return of the clinic itself, before any loan. Compare it with the return you need (your hurdle rate).
14.2%
Return on your moneyEquity IRR: the yearly return on the money you put in yourself, after loan repayments. Borrowing makes it swing more, both ways.
19.7%
Pick a starting point or set the six key numbers, read the result, then fine-tune anything below. Download, print or share a link to this exact model.
Built for 80 visits a day, this practice costs ₹1.2 Cr to open, keeps a 25% operating margin, pays back in 5.2 years and returns 19.7% a year on your own money. The detail is below.
A planning check on the numbers entered, not a lender’s decision. Banks run their own appraisal.
Your project
Start from a practice like yours, then set the six numbers that drive everything: patients a day, what you charge, what the doctors take, how much space, the equipment budget and how much you borrow. Everything else (licences, staff, tax, depreciation) starts at a typical Indian figure you can change further down.
Pick a starting point. Each one is an illustration built from typical Indian numbers, not a recommendation and not ClarWorks data. Change anything after.
What it costs and what it returns
These update as soon as you change any number. The “usual” ranges are rough planning ranges from public sources, not ClarWorks data and not a promise.
Setting up this 80-visit-a-day practice costs ₹1.2 Cr all in: equipment, fit-out, licences, a buffer for surprises and loan interest during the fit-out. Once it is busy (around year 3) it bills ₹1.35 Cr a year. Doctors take 25% of every rupee first, leaving ₹33.3 L as operating profit, a 25% margin (within the usual 15–25% for a standalone Indian clinic; large chains run higher on brand and scale). It pays back in 5.2 yr (usual range 3–6 years) and returns 14.2% a year on the whole project and 19.7% a year on your own money over 10 years. That is ₹7.3 L ahead of the 13% a year you set as your minimum return.
Bottom line: Works at these numbers
Total investmentEverything it takes to open: equipment, fit-out, licences, a buffer for surprises and loan interest during the fit-out.
₹1.2 Cr
₹480 per visit of yearly capacity
Yearly revenue, once busyWhat the clinic bills in a year once patient numbers settle. This is the top line, not take-home.
₹1.35 Cr
Operating profit a yearEBITDA: profit from running the clinic, before loan interest, depreciation and tax, in a settled year.
₹33.3 L
25% margin
Inside the usual 15–25%
PaybackYears of operation until the cash earned covers what went in.
5.2 yr
Inside the usual 3–6 yr
Project return (IRR)The yearly return of the clinic itself, before any loan. Compare it with the minimum return you want (your hurdle rate).
14.2%
Return on your moneyEquity IRR: the yearly return on the money you put in yourself, after loan repayments. Borrowing makes it swing more, both ways.
19.7%
Value above your hurdle (NPV)Net present value: all future cash in today’s money, minus the investment, at your minimum return. Above zero means the project beats it.
₹7.3 L
Your money at peakThe most of your own money that is in the project at any point before it starts paying you back: the cheque you must be able to write.
₹47.5 L
Lowest loan cover (DSCR)Debt service coverage ratio in the worst year: cash available ÷ loan repayment. Banks usually look for at least 1.2–1.3×; below 1.0 the clinic can’t pay its EMIs from its own cash.
1.30×
Money back per ₹1 you put inEquity multiple: total cash returned to you for every rupee of your own money, over the years modelled.
3.97×
Break-even utilisationHow busy the clinic must be, in a settled year, just to earn your minimum return. The closer this is to your expected level, the thinner the cushion.
68%
Revenue per visitBilling per patient in a settled year, with price rises included. Large diagnostic chains average about ₹900 a patient.
₹772
large chains: about ₹900
Cash position over time
How busy the clinic gets
Fine-tune the assumptions
Each section below opens to show the detail. Change any number and the result above updates straight away.
Patients and ramp-up
312 working days a year · consumables ₹70 a visit · utilisation 40% rising to 70% over 3 years. Open to change these.
Set-up cost (CapEx)
₹1.2 Cr in total: equipment ₹80 L, fit-out ₹24 L, licences ₹5 L, plus a buffer for surprises. Open to change the fit-out and each licence line.
Running costs (OpEx)
Staff ₹20 L a year · rent ₹60 per sq ft a month (₹14.4 L a year) · doctor share 25% of revenue. Open to change staff, rent and yearly increases.
Loan, tax and the year-by-year P&L
70% loan at 10.5% over 7 years · 40% reducing-balance depreciation · lowest loan cover 1.30×. Open for the loan terms, tax and the profit and loss for every year.
Throughput: patients and cost per visit
56 visits a day once busy · break-even at 68% utilisation. Open for patient numbers and the cost of each visit.
Charts
Where the money goes, when it pays back, revenue against running costs, profit over time, how busy the clinic gets, and loan cover.
Stress test
What breaks the case first? Move one number (price, volume, doctor share and more), see which matters most, change two at once, or work back from the return you want.
Compare scenarios
Save the numbers you have now as a scenario, change them, save again, and compare side by side. Saved scenarios stay in this browser tab only.
Advisory · Project report and bank finance
Taking this to a bank? Get the numbers checked first.
We go through your model with you: the assumptions, the costs, the loan structure and the risks. If you need one, we write the detailed project report your bank will appraise. The loan decision is always the bank’s; our job is to make your case clear and complete.
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