ON

DRY FISH BUSINESS

FOR
SWABALAMBAN
DIC, DHALAI

Submitted By
NAME : SRI RAMKRISHNA DASBARMAN
FATHER’S NAME : SRI RANJIT DASBARMAN
ADDRESS : VILL- ASHOK PALLI, AMBASSA
PO+ PS : AMBASSA
SUBDIVISION : AMBASSA, DHALAI
DISTRICT : DHALAI, TRIPUIRA, PIN NO- 799289
CONTACT NO : 7005257072

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 HIGHLIGHT OF THE PROJECT SUMMERY

1 Name of the Activity : DRY FISH BUSINESS

2 Name of the Entrepreneur : Sri Ramkrishna Dasbarman
3 Father’s Name` : Sri Ranjit Dasbarman
4 Address of applicant :Vill-Ashok Palli, Po-Ambassa, ps-Ambassa
(Parmanent/present) Subdision-Ambassa, Dhalai Pin No.799289
5 Location of the proposed unit : Ambassa Bazar
6 Cast : UR
7 Qualification :10th passed
8 Date of birth : 24-04-1989
9 Aadhar No : 4053-7456-7014
10 Pan card No : BYYPD9546F
11 Contact No : 7005257072
12 Technical qualification & other :Nil
13 Experience :10years of this business
14 Employment potential :01 nos
15 Proposed bank : PNB, AMBASSA
16 Repayment Method :As per bank norms or 5years
1 Total project cost:- :Rs. 10,00,000.00
8
a) Working capital :Rs.4,00,000.00
b) Fixed capital :Rs.6,00,000.00
19 Source of fund:-
a) Own contribution (5%) :Rs. 50,000.00
b) Bank loan under :Rs.9,50,000.00
swabalamban scheme
20 Address of raw materials :Agartala,& Kolkata, Guwahati
21 Cost of production (PA) 9,40,300.00
22 Turn Over (PA) 12,00,000.00
23 B.E.P 40%
24 Net profit on sale (%) 30%

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 PROJECT REPORT
ON
DRY FISH BUSINESS

INTRODUCTION:
Salted fish, such as kippered herring or dried and salted cod, is fish cured with dry salt
and thus preserved for later eating. Drying or salting, either with dry salt or with brine, was the
only widely available method of preserving fish until the 19th century.
Fresh fish rapidly deteriorates unless some way can be found to preserve it. Drying is a method
of food preservation that works by removing water from the food, which inhibits the growth of
microorganisms. Open air drying using sun and wind has been practiced since ancient times to
preserve food

MARKET POTENTIAL:
During the study, it has been observed that the marketing channel follows the similar
pattern to that of other fish products. The dry fish marketing channel starts with a farmer and
ends with the ultimate consumer involving a number of intermediaries in between. The
involvement of these marketing intermediaries provides services for head loading, packaging and
transporting of dry fishes and these activities result in cost addition at every stage of marketing
(Bishnoi, 2005).
In three selected khuties Middlemen or Paikersplay a pivotal role in the marketing channel
between the Fish curers (who sun drying the raw materials) and wholesaler. The dried fish was
found out to be stored in small huts with thatched roofs, near the drying yards. The properly dried
fishes are packed in gunny bags and are sold as wholesale to Paikers, who sell the product to
Wholesaler, who then sell the product to retailer or export the product with in the country in
different states or in the neighbouring country.
EXPORT STATUS OF DRY FISH
The study reveals that out of 30 khuti owners of the selected area, most of the
respondents (15.6 nos. /52%) sell their good quality dry fish to the big traders who in turn export
their end product outside the districts as well as to other states and the rest (14.4 nos./48%) of the
respondents sell their end products in the local markets of the respective districts. Generally, the
quality end product suitable for human consumption is exported to several states of India and as
well as in abroad. In India, the end product is exported to the states like Assam, Bihar, Uttar
Pradesh, Odisha, Tripura, Manipur and other North-Eastern states. It is also exported to foreign
countries namely Bangladesh, Myanmar, Nepal, China and Pakistan. As such 52% of the fish-
curers undertake export of dry fish mostly to Bangladesh through middlemen/traders and earn
good amount of money. The same type of observation was noticed by Samanta et al., 2016. Saha
(1970) stated that the people of the districts of Chittagong, Barishal, Khulna, Mymensing of
Bangladesh, prefer dry fish

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 FINANCIAL ASPECT

A. Fixed Expenditure : Rs.6,00,000.00

1. Cost of Electric wiring, Fan, Tube : Rs.10,000.00

Bulb etc.
2. Miss. Expenses : Rs. 60,000.00
(Furniture, counter, chair, table, rack,
Etc. would be required for the shop, the expected
Expenditure over which would be around)
3. Expenses over the decoration of the shop : Rs.30,000.00
4.Dry Fish : Rs.5,00,000.00
(All kind of dry fish, like -Seafood. Shrimp.
King Crab. Black Tiger Prawns. Fish Steak.
King Prawn Black Tiger. Bombay, Duck Fish.
Fresh Fish. Tuna Fish. Anchovy Fish. Ribbon 
Fish. Frozen Sea Foods. Fish. Poultry Feed. Catfishes)

THUS THE TOTAL FIXED CAPITAL : RS.6,00,000.00

(1+2+3+4 of A)

B. Working Capital

1. RAW MATERIALS : Rs.3,10,000.00

(Eg. All kind of dry fish, like -Seafood. Shrimp.
King Crab. Black Tiger Prawns. Fish Steak.
King Prawn Black Tiger. Bombay, Duck Fish.
Fresh Fish. Tuna Fish. Anchovy Fish. Ribbon 
Fish. Frozen Sea Foods. Fish. Poultry Feed. Catfishes)

2. MANPOWER FOR ONE MONTH:

i. Manager cum Supervisor : SELF
ii. Skilled sell man 1No. @ Rs.3,000/- : Rs. 36,000.00
3. Shad & building (PM) (Rented) : Rs. 36,000.00

a) Transportation : Rs. 5000.00

b) Insurance : Rs. 3000.00
c) Others expenses : Rs. 10,000.00
Sub Total Rs. 90,000.00

Thus, total working capital : Rs.4,00,000.00

TOTAL EXPENDITURE OF THE PROJECT
a) NON-RECURRUNG EXPENDITURE : Rs.6,00,000.00
b) RECURRING EXPENDITURE : Rs.4,00,000.00

MEANCE OF FINANCE

a) Own Contribution 5% : Rs. 50,000.00

b) Bank Loan under @ 95% : Rs. 9,50,000.00

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 Total : Rs.10,00,000.00

COST OF PRODUCTION (PER ANNUMN)

a) Raw materials : Rs. 7,64,100.00

b) Man power for 12 month : Rs. 36000.00
c) Other expenses for 12 month : Rs. 3,200/-
d) Depreciation on fixed assets @ 20% : Rs. 1,000/-
e) Interest on loan @ 12% : Rs. 36,000/-

Total- Rs.8,40,300/-

SALE REALIZATION (PER ANNUMN)

Turnover per year Total: 12,00,000.00

PROFITABILITY ACCOUNT (P.A):

SALE REVENUE COST OF PRODUCTION OPERATING PROFIT

RS.12,00,000.00 RS.8,40,300 RS.3,59,700.00
*Operating profit : Rs.3,59,700.00
*IT payable : Rs.00.00
*Net Profit : Rs. 3,59,700.00

% of profit on sale profit X 100

………………………………
Sale
359700 X 100
…..……………………….
1200000

= 30%

BREAKING EVEN POINT ANALYSIS

(Compound on Fixed Cost)
a. 12% of labour cost : Rs.36,000.00
b. 10% of other expenses : Rs. 3,200.00
c. Total depreciation : Rs. 1,000.00
d. Interest : Rs.36000.00

Total – Rs. 76,200.00

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Thus, B.E.P = Fixed Cost x 100
------------------------------
Fixed Cost + Profit

76200 x100
= -------------------------------
76200+224700

= 40% (on operation)

INTEREST CALCULATION & REPAYMENT SCHEDULE

*Rate of Interest : @ 12% P.A

*Repayment Period : 5 Years
*Moratorium : Nil
Amortization Schedule Rs.6,00,000.00

Year Repayment interest Principal Balance

1st Year 131,470.64 72,000.00 59,470.64 540,529.36

2nd Year 131,470.64 64,863.52 66,607.12 473,922.24
3rd Year 131,470.64 56,870.67 74,599.97 399,322.27
4th Year 131,470.64 47,918.67 83,551.97 315,770.30
5th Year 131,470.64 37,892.44 93,578.20 222,192.10
6th Year 131,470.64 26,663.05 104,807.59 117,384.51
7th Year 131,470.65 14,086.14 117,384.51 0.00
Note:
Particulars Capacity Utilization (Rs in '000)
1. All figures mentioned above are only indicative.
2. If the investment on Building is replaced by Rental then
a. Total Cost of Project will be reduced.
b. Profitability will be increased.
c. Interest on C.E.will be reduced

Date Submitted by

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