Pharma Scheme Calculator (10+2, 5+1)
What does a “10+2” scheme really mean?
Pharma companies and stockists offer bonus schemes like 10+2, 5+1 or 8+4 instead of a straight cash discount. A “10+2” means you buy 10 units and get 2 free — so you receive 12 units but pay for only 10. The catch is that the bonus does not equal the headline number: a 10+2 scheme is not a 20% discount. This calculator converts any scheme into its true effective discount and per-unit rate so you can compare offers fairly.
Scheme to discount formula
- Effective discount % = Free ÷ (Buy + Free) × 100
- Effective rate per unit = Rate × Buy ÷ (Buy + Free)
Worked example
Effective discount = 2 ÷ 12 × 100 = 16.67% (not 20%)
Effective rate = 95 × 10 ÷ 12 = ₹79.17 per unit
Why distributors lose money on schemes
Many people assume 10+2 equals a 20% discount and price their onward sale accordingly — then wonder why their margin is short. The free goods are spread across the total quantity you receive, so the real discount is always less than free ÷ buy. Always convert the scheme to its effective rate before you decide your selling price.
Comparing two schemes
Is 10+2 better than 5+1? Both work out to 16.67%, so they are identical. Is 8+4 better? That is 4 ÷ 12 = 33.3% — much stronger. Run each scheme through the calculator and compare the effective discount % directly instead of guessing from the numbers.
Do all your pharma maths in one app
The scheme calculator is one of 11 free tools in PharmaCalc — PTR/PTS, MRP, margin, net rate, GST, profit, ROI and MR incentive. Works offline, Hindi interface. Open the free app →
Frequently asked questions
Is 10+2 a 20% discount?
No. A 10+2 scheme is a 16.67% effective discount, because the 2 free units are spread across 12 total units, not 10.
How do I compare a scheme with a cash discount?
Convert the scheme to its effective discount % using this tool, then compare directly with the cash discount %.
Does GST apply to free scheme goods?
GST treatment of free goods can differ by billing practice; always confirm with your accountant. This tool shows the trade effective rate, not the tax position.
