A project report on
“Boom In Pharma And Health Care Sector ”
In partial fulfillment of Master of Business Administration 2007-09
Department of Management Studies
Jai Narain Vyas University, Jodhpur
Submitted to:
Submitted by:
Khandwala Integrated
Swati Surana
Financial Service
M.B.A (2007-09)
Jodhpur
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PREFACE As a part of my academic curriculum, I am required to undergo summer training in any organization at the end of the first year. The main objective of the training is to translate the theoretical knowledge into practical life and to know what are the challenges faced by the organization and how they tackle this problem. Knowledge is burden unless it is translated into practical experience.
The basic purpose of the project is to know how to analyze the company’s product, finding problems and to know how to solve these problems. This helps us to make ourselves more aware about the position of the company in the market, segmentations of the products.
As far far as sele select ctio ion n of the the orga organi niza zati tion on is conc concer erne ned d I got got the the oppo opport rtun unit ity y in KHANDW KHANDWALA ALA INTEGRA INTEGRATED TED FINACI FINACIAL AL SERVICE SERVICES S.
As we know that
emergi ging ng sect sector or as rega regard rdss of PHARMA PHARMA AND HEALTH HEALTH CARE CARE SECTOR SECTOR is a emer Medical tourism, Surrogate Mother, Stem Cell So I am given the objective to create a report report on this area and the future avenues available available for this sector and the investment investment of Big Business houses in this sector in large numbers. So that we the organization can attract
the
investors
to
invest
into
this
sector
through
RELIANCE
PHARMACEUTICAL SIP.
This project has helped me a lot in understanding the various aspect of the investment instrument. I hope that this knowledge will prove beneficial b eneficial for me in future also.
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ACKNOWLEDGEMENT BETWEEN THE CONCEPTION AND THE CREATION, BETWEEN THE EMOTION AND THE RESPONSE, BETWEEN THE HARD WORK AND THE RESULT, LIES MY THANKS TO YOU. In the preparation of this project report, which is a part of my Summer Internship Prog Progra ram m (SIP (SIP), ), I have have put put in subs substa tant ntia iall effo effort rt and and at the the same same time time I found found it pleasurable doing the same. I take this opportunity to express my sincere gratitude to Mr. Mr. Praka Prakash. sh.K. K.Sin Singh ghvi vi (Br (Branc anch h Manag Manager er)) KH KHAN ANDWA DWALA LA INTE INTEGR GRAT ATED ED FINACIAL SERVICES JODHPUR for providing me the opportunity to work with
them them and and givi giving ng me the the oppor opportu tuni nity ty to work work in an este esteem emed ed orga organi niza zati tion on like like KHANDWALA INTEGRATED FINACIAL FINACIAL SERVICES JODHPUR.
He contributed in a substantial way during all stages of the preparation of this report. His guidance at every stage of the project enabled me to successfully complete this project, which otherwise otherwise would not have been possible without his constant encouragement encouragement and motivation.
I am grateful and owe thanks to my Family and Hitesh for extending time & support in technological for completion of this project. I also express my thanks to my colleagues who have directly and indirectly guided me with moral support to work on the project.
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Company Profile
Khandwala Integrated Financial Services Pvt Ltd is in the business of shares and stocks brokership, investment advisory, financial services and portfolio management in stock markets, markets, debt markets markets and derivatives derivatives markets. Also providing providing dematerial dematerialized ized accounts accounts service.
KIFS KIFS is a corp corpor orat atee memb member er of Nati Nation onal al Stoc Stock k Ex Exch chan ange ge.. It is equi equipp pped ed with with sophisticated infrastructure in various cities in India and have well qualified human resour resources ces doing doing resear research ch and analysi analysiss work.K work.KIFS IFS have have a dedicat dedicated ed team team to provid providee support services to our customers. PRODUCTS Equity Market suits to those clients who believe in Higher the Risk, Higher the Profits . For such clients we translate fundamental research in to practical investment advice. The transparent online trading system of NSE and BSE, adopted by us enables the clients to get best value out of their investments. Through Through invest investmen mentt in Deriva Derivati tive ve Product Products, s, you can expect expect even higher higher return returns. s. In addition to that we are also backed by an efficient back office which provides all the information with regards to your dealings with us and also helps us in timely pay-in and pay-out.
•
Also equipped with Prowess - leading software developed by CMIE (Centre for Moni Mo nito tori ring ng Indi Indian an Econo Economy my)) a leadi leading ng priv privat atee sect sector or econo economi micc rese resear arch ch instit instituti ution on of the country country,, which which provid provides es in-dept in-depth h and essent essential ial inform informati ation on rega regard rdin ing g vari various ous comp compani anies es for for maki making ng bett better er deci decisi sion on to thou thousa sands nds of organi organizat zation ionss since since the past past three three decades decades.. It is also also subscr subscribe ibed d by variou variouss government organizations of our country. Digitally signed contract note available on our website.
•
Client Ledger report available on our website with security password.
•
Internet based trading system exclusively for ISPL Clients.
•
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Table of Content: • • •
• • • • • • • • • • • • • • • •
Abstract Introduction Historical perspective Medical tourism Surrogate mother Cord blood banking Lifestyle disease New avenues in pharmaceutical industry Indian Pharma Companies on Global Platform Initiatives in Pharmaceutical Sector Advantage India Views Big business houses in pharma sector Mutual funds in India Life and health insurance on up swing Systematic investment plan(SIP) Reliance SIP Conclusion Bibliography
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ABSTRACT Right from the onset of the financial year 2008 the upheavals in the market which were being observed started to leave its height i.e. the index of 21000 touched 12600. The bearish effect was never visualized in Pharmacy sector whereas all the other sector were affe affect cted ed cycl cyclic ical ally ly.. Th Thee Phar Pharma ma & Healt Healthca hcare re sect sector or ther theref efor oree alwa always ys term termed ed as defensive sector. The Pharma sector is the start of new era in share market as well as globally. India is now treated as leading country in this sector round the world. With the world economy chan changi ging ng scen scenar ario io duri during ng last last 10 year years, s, the the whol wholee econ econom omy y of the the worl world d is bein being g strengthened .The Indian economy has emerged and other countries are also jumping into the world zone of “Greater Economy”. Due to drastic changes in money market, education & increasing literacy percentage the consciousness toward health has led to expenditure tendencies on health health & life securities securities.. The worldwide worldwide concentration concentration is going on towards towards health health & Pharma. In the world where the research work is going on to rejuvenate the dead person the scope of Pharma sector can be imagined. The transition period of 30 years in Indian Pharma sector has now entered consolidation period and after that the only way is the unstoppable boom that too realistic. India from ages has been attracting people from different corners of world for Sandunes, Seasho Seashore, re, Sunset Sunset is now attrac attracti ting ng Medica Medicall touris touristt for Surger Surgery, y, Stemce Stemcell, ll, Surrog Surrogate ate Mother and Science (life science) and even Sensex for Pharmaceuticals is attracting large number of FDI's. The way our Country over whelming treating Medical Tourist and has drawn attention of Government, the day is not far when India will become “The world Capital of Medical Tourist.” With such Performance of this sector and new avenue & development the day is not far when the major chunk of our GDP and revenue would be contributed from Pharma sector. As a result of high returns and new developments majority of big business tycoons/houses are investing huge amount in in Pharma & healthcare healthcare sector. With the new development development of Generics, Generics, Nanotechnolo Nanotechnology, gy, Individual Individual Treatment, Treatment, Telemedicin Telemedicinee and Contract manufacturing & Clinical Research there is huge potential of this sector to grow far beyond the IT Sector of India. This field is not confined to this sector only because strong base of India’s traditional knowledge in Ayurveda, Homeopathy, Unani, Yoga, etc are being given equal importance. The Indians biggest problem of brain drain which was especially amongst the scientist,
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The opportunity to consolidate the growth of the Industry that happened in last 20 years should should not be lost for lack lack of vision and one should should plan to park in the Pharmaceutic Pharmaceutical al and healthcare sector to get fruits out of sector. Conclusively one can see and forecast that the coming era would be of Pharma sector with all booming factors.
Introduction From ages India is land of the therapy treatments and various other ways through which large number of patients and tourists have been attracted to India. Historical perspective of Pharma and health care sector has been given below:
Historical Perspective Neolithic & Bronze Age
Mineral & Hot Spring visits
Middle Ages
Thermal Springs
16th century
“Fountain of Youth”
17th /18th century 19th century 20th century
Spa Sea & Mountain Air (TB sanitarium) “Health Farms” or “Fat Farms”
India is currently a hot medical tourism hub. State of the art equipment, technological adv qualifi qualified ed medica medicall fessio fessional nal alized alized ien and blend blend of
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complex cardiac compound almost every type of drug is made indigenously. Indian firms are arguably the worlds best in drug development of API and finished dosage. Indian pharmaceutical market confined in the domestic and global market is given below:
The total healthcare market in India is expected to grow significantly and its contribution to the country’s GDP will increase from 5.2% at present to 8.5% over the next ten years. The expenditure on healthcare will more than double the year 2012 and the healthcare spending is expected to increase from Rs 86,000 crore at present to Rs 2,00,000 crore in the next decade, reveals a CII-Mckinsey study on healthcare. According to the study, private healthcare will continue to be the largest component of healthcare spending and is expected to double from 60,000 crore to Rs 156, 000 crore by 2012. Moreover, if health health insurance insurance cover becomes operative, operative, the private spending will further go by an additional Rs. 39,000 crore. INDUSTRY RATIONALE
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The US & European pharmaceutical markets are heading towards generics and this move is expected to offer enormous benefits to India. Due to high priced drugs in western western world, world, manufacture manufacturers rs are pressuriz pressurized ed from their government to control control cost and this in turn compels them to move their manufacturing base to India. Demand for effective medicines is rising, as the population ages, new medical needs emerge and the disease burden of the developing world increasingly resembles that of the develo developed ped world. world. The E7 countr countries ies Brazil Brazil,, China, China, India, India, Indone Indonesia sia,, Mexico Mexico,, Russ Russia ia and and Tu Turk rkey ey are are also also beco becomi ming ng much much more more pros prospe pero rous us,, with with real real gros grosss domestic product (GDP) projected to triple over the next 13 years. By 2020, the E7 could account for as much as one-fifth of global sales. Research & Development is the key to the future of pharmaceutical industry in India. There inconsiderable scope for Collaborative Research Partnerships (CRPs) in India. India India can offer offer severa severall streng strengths ths to the intern internati ational onal R & D commun community ity.. These These streng strengths ths relate relate to availab availabili ility ty of excell excellent ent scient scientifi ificc talent talentss who can develop develop combinatorial chemistry, new synthetic molecules and plant derived candidate drugs. The R & D expenditure by the Indian pharma industry is less than 4% of the industry's turnover. However, now that India is entering into the Patent protection area, many companies are spending relatively more on R & D.
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dual purpose of getting medical treatment, which is more affordable in the other country and enjoying a vacation as well. India with advanced medical services paired with her exotic natural bounties has become a heaven for medical tourists. India medical tourism medical market is growing by 25% annually and expected to generate revenue of 10000 crore a year by 2012. The growth in Indian tourism market is also a boon for several associated industry like hotel, medical, pharmaceutical industry. With “hospitals, more like spas & spas more like hospitals” India has several other advantage that make it a natural choice for medical treatment following are some of them:•
Cost effectiveness as best treatment at budget price. Health procedure across world shows 200-800% cost difference in comparison to Indian procedure. (Treat (Treatment ment cost + Travel Travel expens expenses es + Other Other expens expenses= es= 1/10 1/10 of simil similar ar services in countries like USA, UK, and other countries.
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Availability of world-class medical services like doctors, diagnostic equipments, hospitals. Lack of medical infrastructure in some of the countries is boosting india medical industry as availability of VISA is easy in india in comparison to the other countries. Zero waiting period (no waiting period for patients – appointments are are fixed even before patient arrivals. Access to top top specialist on the very same same day. With 30% annual growth in indian health ceretanily all set to become global health he alth destination.
industry
india
is
Other alternative therapy like ayurveda, homeopathy, unani, naturopathy. Places like USA, where people are covered under medical insurance, the cost of treatment is so high that the Insurance companies charge a high premium from the insurance seeker. apart from this, private healthcare is too costly which is affordable by limited section of society is also the main cause of
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Comparison of procedure Charges in India & USA – Proced Pro cedure ure
United Stat United States es (USD) Approx
Bone Ma Bone Marr rrow ow USD 2,50,000 Transplant Liver USD 3,00,000 Transplant
India (USD) Approx USD 69,200
Values in Rs
Values in Rs
1,05,00,000
29,06,400
USD 69,350
1,26,00,000
29,12,700
Heart Surgery
USD 30,000
USD 8,700
12,60,000
3,65,400
Orthopedic Surgery
USD 20,000
USD 6,300
8,40,000
2,64,600
Cataract Surgery
USD 2,000
USD 1,350
84,000
9,000
Tooth Impactions Root Canal Treatment Hip Replacement Body Contouring
USD 2,000
USD 125
84,000
5,250
USD 1,000
USD 110
42,000
4,620
USD 13,000
USD 4,500
5,46,000
1,89,000
USD 30,500
USD 14100
12,81,000
5,92,200
Some of statistical Facts about the medical tourism in India
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and domestic tourist(40%)i.e. rest of India and 15% from Chennai itself which makes it worlds largest city to give shelter to the medical tourist.
Surrogate mothers: Outsourcing pregnancy in India “After IT services, it seems it’s now the turn of babies to be outsourced from India,” Surrogate Surrogate motherhood motherhood is as an arrangement, arrangement, in which a woman carries carries and bears a child for another person but takes no ownership of the child born. This new phenomena is result of infertility among the couples or physically unable to carry a fetus , lack of time from professional life’s to give birth to there own children. The e gg that contributes to the embryo is never of the surrogate mother instead it is contributed from an anonymous donor or the intended mother and then it is transferred to the womb of the surrogate
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This business of renting a womb or reproductive tourism has a scope to grow beyond the figure figuress of $50 $500 0 milli million on by 201 2012 2 accordi according ng to Asia Asia Time Time online online.. Variou Variouss hospit hospitals als,, fertility clinics and online network and website are working in large number to trap the opportunity available in this industry. Pharmaceutical, medical and health insurance will be a major gainer from this sector.
Cord Blood Banking
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derived from these umbilical cords can prove to be the best possible insurance against life threatening diseases. The use of umbilical stem cells for therapeutic purposes can ensure lower treatment costs and longer lives.
Benefit of cord cell banking •
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India will become global health destination destination especially especially in surgical surgical treatment based on cord blood Open new doors to range of employment opportunities India will attract huge investment flows, which all the more help in development of the nation
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Apollo Hospitals and Cadila Pharmaceuticals have entered into an agreement with StemCyte, Inc, the US-based world leading stem cell transplantation and therapeutics comany, to set up a public and private umbilical cord blood (UCB) bank at Ahmedabad with an estimated investment of $16 million.
Lifestyle Disease With the rise of increasing income and influence of western and corporate culture India is heading on the way of becoming the world capital of chronic diseases. Chronic disease which are caused due to changing lifestyle, pattern of sleeping, eating disorder is on verge to take more life of professionally competent person s in comparison to the series of terrorist attack round the world.
Causes of Lifestyle Disease • • •
Lack of sleep and working hours Junk food and poor nutrition Consumption of diet rich in fat and sugar
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More than 300 million stressed up Indians are looking for a solution and with disciplined lifestyle , proper sleeping, exercise, timely rest, the stressful life can be said good bye, but what it requires is time. And in this modern world
“EVERYBODY HAS EVERYTHING, EXCEPT TIME” With lack of time and work load these lifestyle disesase will be able to trap half of Indian population into its vicious circle. Relieve from all these disease can be provided only by the pharma and health care industry as in today’s corporate life style one has limited time to swallow a medicine. This will certernily boost and give new heights to pharma ph arma and health sector.
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Development in pharmaceuticals owing to its proven abilities in the field of Information Technology (IT). R e v e n u e fr o m C o n t ra c tR e s e a rc h 3 5
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India, a country with the largest pool of patients suffering from cancer, diabetes and other maladies, has become the global hub for carrying out clinical trials at random. Almost all the top pharmaceutical companies of the world have set up clinical trial facilities in major cities, like Ahmedabad, Hyderabad, etc. Neeman Medical International, a 100% subsidiary of Max group of companies has acquired 2 CROs in US to explore and exploit the vast business potentiality provided to India owing to its new patent regime and other regulatory changes made recently81. Indian companies like Max India Ltd, have established their 100% owned subsidiary NMI BV at Holland and have operating entity NMI worldwide to support the clinical trials enrolment needs of pharmaceutical, biotech and medical service industry. This contra contract ct resear research ch organi organizat zation ion of Indian Indian origin origin is able able to meet meet the rapidl rapidly y growin growing g demand demandss of expedit expeditiou iouss enrolm enrolment ent of approp appropria riate te patien patients ts by locati locating ng previo previousl usly y untapped patient populations in key regions of the world.
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(i) USPTO providing for patent on usage of turmeric for its wound healing properties; (ii) European Patent Office (EPO) providing patent for seeds of Neem which possess fungicide properties since times immemorial. The new patent regime enabled protection protection of TK in India through enabling enabling legislati legislations. ons. There are nearly 150,000 recorded ayurvedic, unani and siddha medicines and around 1,500 Yoga exercises which originated in India and existing for more than 5,000 years, but Yoga exercises are being allowed to be patented in the western countries and India also continues to be a victim of "bio-piracy” due to lack of sincerity by the western countries in providing adequate IP protection to TK. As per World World Health Organization (WHO) (WHO) findings more than 70% of the people living
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Biotechnology Together with automation and information technology, it is starting to open up new perspectives for all areas of the life sciences, and especially for medicine. A knowledge of the genetic differences between patients can also aid the development of new drugs. If we know which patients will not tolerate a potential new medication, or will not resp respond ond to treat treatme ment nt,, thes thesee pati patien ents ts can can be excl exclude uded d from from clin clinic ical al tria trials ls at the the development stage. That would enable us to pursue a number of projects that have previously had to be halted due to side effects or low average efficacy even though excellent results were obtained in specific patient groups. This all is possible with the help of biotechnology and India certainly has strong control on the biotechnology area.
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over the medium term. This will have a positive impact on the demand for drugs as people with health insurance are usually more likely to obtain prescriptions than those without cover. Global Globalisa isatio tion n has not caused caused tradit tradition ional al medici medicine ne to be abandon abandoned ed but with with higher higher
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•
Orchid Chemicals received US FDA approval for Cefpodoxime Proxetil tablets in strengths of 100mg and 200mg. Cefpodoxime Proxetil is a third generation cephalosporin antibiotic used to treat infectious diseases.
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In addition tour operators have been advised to include ayurveda health destination in their marketing marketing venture, especially in view of increasing increasing popularity of ayurveda
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ADVANTAGE INDIA. Competent workforce:
India has a pool of personnel with high managerial and technical competence as also
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Parle director Schauna Chauhan (Prakash Chauhan’s eldest daughter): “We want to drive Parle Agro beyond the beverages category. As a first step, we have foraye forayed d into into the health health and fitnes fitnesss segmen segment. t. Nowada Nowadays, ys, Indian Indianss have have become become quite quite health-conscious.”
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