1. EU Distributor with Exclusive Rights

When a distributor places Biometric Cables’ CE-marked product on the EU market, they assume the role of a legal distributor under EU MDR.

This means label and technical documents are revised to reflect the correct legal manufacturer and distributor details.

2. Indian Distributor for CE-Marked Products

In India, CE marking is not mandatory under Indian MDR 2017, but it adds credibility.

When a CE mark is displayed, the distributor’s name and address must appear separately on the label, ensuring compliance with Notified Body (NB) review and approval.

3. EU Manufacturer White-Labelling CE-Marked Products

Here, Biometric Cables acts as a subcontractor, while ABC becomes the legal manufacturer.

ABC company must obtain CE certification per EU MDR using Biometric Cables’ validated documentation.

Neutral coding can be used to mask manufacturer details, with CDSCO approval.

4. Indian Loan Licence Manufacturing

The Loan Licence holder becomes the legal manufacturer under CDSCO, referencing Biometric Cables’ valid licence.

The product label may either mention the actual manufacturer or use a neutral code (with prior CDSCO approval).

This enables Indian distributors to market certified devices under their own brand while maintaining full regulatory compliance.

• Save on costly product development and certification expenses by utilizing the OEM’s already CE-marked products and approved technical documentation.

• OBL partners benefit from ready access to validated technical documentation and MDR/CE conformity data provided by the OEM, ensuring seamless compliance with EU MDR, CDSCO, and other regional regulatory requirements.

• Partnering with a compliant OEM allows your brand to expand into multiple markets including the EU, Middle East, Asia, and India all under a unified certification framework.

• Tailor product labels, designs, and packaging to reflect your brand identity while adhering to strict technical and safety compliance standards.

• OEMs maintain full control over design and production data while granting OBL partners limited access to technical documentation for regulatory review ensuring complete protection of intellectual property.

• Enhance credibility and brand recognition within the medical community by showcasing your name on premium, certified medical devices.

• As market demand increases, OBL partnerships enable rapid, seamless, and sustainable scaling — eliminating the need for additional certifications or factory expansions.

• Emerging Healthcare Companies

• Hospital and Healthcare Networks

• Exporters and Regional Distributors

• E-Commerce and Regional Healthcare Platforms

• Medical device manufacturers for Accessory requirements.

The Commission Recommendation 2013/473/EU, issued by the European Commission on 24 September 2013, sets out clear guidance for how Notified Bodies should conduct audits and assessments of medical device manufacturers to ensure product safety, quality, and regulatory compliance.

It was introduced to strengthen oversight following inconsistent auditing practices across EU Member States and incidents involving non-compliant devices.

The European Union Medical Device Regulation (EU MDR 2017/745) has made OBL increasingly difficult. Under the new MDR framework, OBL companies can no longer rely solely on an OEM’s CE certificate. They must hold their own technical documentation and regulatory accountability.

This shift has paved the way for Virtual Manufacturing(Formerly Own brand labelling), where the marketing company assumes the role of the legal manufacturer while outsourcing production to an MDR-compliant OEM. This ensures full regulatory independence, data transparency, and market sustainability.

In India, many medical device companies want to market their products under their own brand name but lack manufacturing facilities. The good news? You can still launch certified, compliant devices through the Loan Licence model, recognized under the Medical Device Rules (MDR) 2017 and regulated by the Central Drugs Standard Control Organisation (CDSCO).

A Loan Licence enables an Own Brand Labelling (OBL) company to produce medical devices through a licensed OEM’s approved facility.

Under this arrangement:

• The OBL partner (loan licensee) is recognized by CDSCO as the legal manufacturer.
  
  

• Production takes place at the OEM’s authorized manufacturing site under a formal agreement between both parties.
  
  

• The loan licence holder bears complete regulatory accountability  covering product compliance, labeling, and post-market vigilance.
  
  

This model is commonly adopted by startups, distributors, and private-label healthcare companies aiming to broaden their product range without establishing their own manufacturing units.

OBL companies can achieve faster market entry by utilizing compliant OEM facilities, avoiding the lengthy setup and certification processes typically required for new manufacturers. They also benefit from the OEM’s established ISO 13485-certified Quality Management System, as well as validated Plant Master File (PMF) and Device Master File (DMF), which streamline loan licence approvals under CDSCO. This model significantly reduces capital expenditure, allowing companies to avoid investments in manufacturing infrastructure while still maintaining regulatory credibility and full brand ownership.

Under MDR 2017, labeling must clearly display both the Loan Licence Holder (OBL brand) and the OEM facility details, including the address and license number. The loan licence route is particularly advantageous for startups and small-to-medium enterprises seeking to expand their branded product portfolios without setting up their own manufacturing units, making it an efficient and scalable pathway for growth in the healthcare sector.

Regulatory Process for Loan Licence under CDSCO:

Application Forms:

• Class C & D devices: Apply with Form MD-8 and receive Form MD-10 upon approval.
  
  

• Class A & B devices: Managed by State Licensing Authority through Form MD-4 and approval process.
  
  

Key Documentation Required:

• Cover letter & constitution of firm
  
  

• Fee challan and ownership/tenancy agreement
  
  

• Formal agreement between OBL and OEM
  
  

• OEM’s manufacturing licence
  
  

• PMF & DMF copies
  
  

• QMS compliance certificate
  
  

• Labelling samples, risk analysis, validation data
  
  

• Post-Market Surveillance (PMS) reports
  
  

• Batch release certificates
  
  

Inspection Process:

• Class A devices: No pre-audit required (for non-sterile, non-measuring devices).
  
  

• Class B, C & D devices: Mandatory facility audit by CDSCO prior to licence approval.
  
  

Legal Responsibility:
The loan licence holder remains fully responsible for regulatory compliance, vigilance, and product safety, even though physical manufacturing is handled by the OEM.